The Golden Universe I N S and Business Consulting

With fluency in Cantonese and Mandarin, Howard proudly serves clients in the New York, NY area. Howard has 15 years of experience as a Senior Home Lending Advisor II CPC and specializes in preapproval, low-to-moderate income lending programs, adjustable-rate mortgages, condo and co-op lending, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Howard is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Howard can help you get a clear picture of what might work best for you. Howard will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Howard wants to ensure that you have a positive home lending experience.

Irene proudly serves clients in the New York, NY area. Irene has 21 years of experience as a Senior Home Lending Advisor. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Irene is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Irene can help you get a clear picture of what might work best for you. Irene will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Irene wants to ensure that you have a positive home lending experience.