Hello, my name is Minh and I've been a mortgage banker since 2003. As you can imagine, I've seen the ups and downs and even made it through the crash of 2008. Throughout the years, I realized that consumers still don't understand what a mortgage is. My goal is to educate, train, and free consumers on their mortgage. I am going to lay it all on the table to help you make an educated decision on which mortgage program best fits your needs and help you decide whether you should refinance or not.