I am David Chang, a Mortgage Agent - Level 2 based in Concord, ON, working with Pineapple, a reputable company in the industry. With 10 years of experience, I bring a wealth of knowledge and expertise in residential and commercial lending. My passion for soccer extends beyond the workplace, as I actively participate in the Men's league Soccer. Throughout my career, I have been recognized with accolades such as the Champions Award, Director's Platinum Award, and Diamond Award. Additionally, I have obtained certifications in Negotiation, Real Estate Negotiation, and Commercial Real Estate. My education at the University of Toronto has equipped me with the necessary skills to excel in the field, particularly as a negotiation expert. Fluency in both English and Korean allows me to serve a diverse clientele effectively. I am committed to assisting clients in achieving their financial goals and providing excellent mortgage solutions.