I would like to take this opportunity to thank you, Ross, so much for helping and giving advice to ours cousin Kevin & his wife Tan. It has been over 10 years of honesty & professionalism you have given our family. We will like to continue to have great relationship with you for any future advice for mortgage finance. We will also highly recommend to any of ours friends for finance advice from you. Thank you once again for taking time for very good and honest advice.