Hawaii VA is much better experience than Bank of America Wells Fargo or any Banks we tried. Hawaii VA provided us such a wonderful experience with our refinancing since we all know mortgages are not easy. We are so grateful the original person that was referred to us by a friend did not show up. That shows how inexperience and undedicated that person was…it was meant to be. We are blessed and happy we found VA loan. To top it off a great specialist that handled our loan. Brenda was very helpful and cared what was beneficial to us. This is the first time that we felt very comfortable, relaxed and confident, something we never felt with other lenders. From the very beginning, she walked us through the VA loan process and took the time to carefully explain every document we signed and answered all our questions with no hesitation. We appreciate all her patience and hard work to be able to process the loan as smooth and fast as possible.