Kevin Chu at Ratehub has been an incredible help throughout my homeownership journey—he supported me with my first mortgage and again during my renewal, and both times everything went smoothly. Kevin is knowledgeable, responsive, and genuinely committed to making the process stress-free. A great mortgage agent like Kevin brings clear communication, expert guidance, prompt follow-through, and a strong understanding of the best available rates and products. I highly recommend his services to anyone looking for a reliable and professional mortgage experience.