I am an owner of company 51 tax & accounting service, professional accountant with over 10 years experience in the field to ensure client to minimizes surprises and maximizes after-tax dollars and minimize of tax liability, save cost, realize the client business growth and profit growth. our experience, expertise and networking capabilities separate us from other accounting service, due to the business structure and on overhead costs to operate, our company will be able to provide clients with professionally service, flexible service location/hours(7 day) with multi-language at a lower cost. I’m fluent in English and Chinese.I am a mortgage agent offer new purchase mortgages, bank renewals/refinances, commercial mortgages, reverse mortgages. we specialize in cases with: low income/cash income, bad credit/bankruptcy, debt consolidation, new immigrant programs, 2nd mortgages, equity mortgages. we offer a lowest rate guarantee in 24 hour pre-approvals/approvals.