Melvin helped us with our initial mortgage on the house 2.5 years ago. We also approached Melvin for reassessment of our mortgage payment this year. Both occasions were amazing. Melvin’s expertise saved us a lot of time, nerves and money for which we are very grateful. I also would like to mention that Melvin is smart, well-read and has a wonderful sense of humour. Thank you, Melvin, for your time and knowledge.