As stated above from the very first contact I had with them, they made the process very easy and convenient for us. Any documents needed could just be scanned and emailed. Any emailed questions asked were answered the same day. Any phone calls made were answered. In the past, phone calls made to loan officers were put through to a voicemail, and as the loan came to a close, you became less and less important. With Hawaii VA Loans, there were no delays, every step of the way. Any delays were caused by us. As soon as our delay was resolved, they moved on to the next step right away. We have refinanced many times over the years, and we cannot believe how easy they made the process for us. We have never experienced this kind of service from any of the financial institutions we have dealt with over the past 25 years. I would recommend Hawaii VA Loans to anyone who would qualify as a veteran. Unbelievable!