We were looking at so many options for our refinance - 15 year vs. 30 year, combining two mortgages into one. We tried working with our bank, but became very frustrated at their inflexibility. We decide to consult Steven because he had helped us so much with our first mortgage almost 10 years ago. Steven gave us the pros and cons of every option we discussed, and was always open to running multiple scenarios for us. Paul found the right financing plan for our needs, and successfully guided us through every step of the way.

All I can say is thank you! Thank you!!! We couldn't have done it without Michelle and her team. Extremely professional and patient. We are forever grateful for her help with our home purchase.

I wanted to let you know how much the homeowner at our recent closing raved about Steven Leung. I feel very fortunate that we were introduced to him and that he has been such an invaluable asset to many of my clients.

Buying a first home is incredibly stressful, and for someone without a financial background securing a mortgage is the most confusing part. Steven Leung was able to boil down all the rates and acronyms into logical information we needed to make the right decision. Steven went out of his way to make sure we got the best available loan at the lowest possible rate. I recommend Steven to anyone in the market for a mortgage.

My husband and I had a wonderful experience working with Steven Leung in refinancing our home mortgage. From beginning to end, he was informative, extremely thorough and attentive to our financial needs, thus making sure that we were getting the best deal possible. This is our second experience working with Steven and we would highly recommend Steven and his company to anyone.

A home is more than likely the most expensive item a family will ever purchase. We are on our second home purchase. The first one was easy because we didn’t have to worry about a mortgage. We just showed up at the closing, wire the fund, signed the papers and had a home. But the second (and, hopefully, the last) could have been a disaster due to our needing a mortgage and the confusing regulations and paperwork that come along with it. If we didn’t have Michelle, the purchase of our dream home could have become the nightmare of a lifetime. Michelle expertly helped us meander through the tons of confusing paperwork requested by mortgage underwriters in a most proficient, professional and personable manner. She was always available for questions (of which we had many) and to ensure that our paperwork was completed in a timely fashion. Michelle worked with us, our real estate agents, our banks and other prospective mortgage companies in order to help us secure the loan at the most favorable rates available. Thanks to Michelle’s hard work and positive attitude, we were able to close on our dream house in less than one month. And, again, due to Michelle’s diligence, the closing meeting with the sellers and the title company took less than one hour to complete. We highly recommend Michelle to anyone seeking a mortgage. Be sure to ask Michelle for one of her business cards. That, unto itself, is a work of art and worthy of a visit to her office.

Michelle Lam and her team are amazing. I know you already know it. I’m a happy client.  I was referred to Alex by my realtor.  I’m very happy to have worked with her. Carone

As a trusted Realtor, I need and expect the utmost in service for my clients, and OIL is exactly what Mortgage Advantage always delivers. They handle all of the tedious paperwork and make the process painless. In fact, many of my clients have returned to the Mortgage Advantage time and again for all of their additional mortgage needs

I continually recommend Steven Leung at Mortgage Advantage to my valued clients. I appreciate his expertise and ability and willingness to work with more than one lender to help us to reach our goals. His dedication and commitment to servicing his client's requirements, coupled with his mortgage and real estate law expertise as an Loan Officer himself, make him unique in the industry and invaluable.