My wife and I had a lot of debt from credit cards/loans. I heard from a lot of my coworkers that I could refinance my house and pay off my debt. I didn’t know the details about refinancing a VA loan, but I knew we had a lot of equity in our home. I decided to contact the Hawaii VA Loans office in Kapolei. I was connected to Jo and I told her that I planned to do a VA Home Refinance. She told me all the stuff I needed to bring and we scheduled a meeting the next day. As soon as I stepped in the office, I didn’t know what to expect, but everyone in the office was very welcoming. Jo sat me down and she went over the whole VA refinance process. She went into detail and took the time to explain everything to me. After our first meeting, she had a plan set for me, and by the next day, she was already hard at work. From that point, the rest of the process went by fairly quick. She constantly communicated with me and she kept me informed during the whole process. Even after I was done with the VA refinance, she kept tabs on me and my wife to ensure that everything went well. There are many instances where you can tell when someone only wants your business and not care about your family, but I felt that Jo really cared about our family’s interest. I will definitely recommend Hawaii VA Loans to anyone and I will definitely point them to Jo. I am very thankful to Hawaii VA Loans for their help and making this process an easy one.