Hawaii VA Loans, and especially Kit “D-Chan” Dounglomchan were exceptional from start to finish. My wife and I inquired about refinancing and getting cash-out reluctantly due to fear of rejection and lots of wasted time. We had been here before. After discussing our intent with several agencies as well as with Kit, we felt confident that Hawaii VA Loans was the best option for us. Kit kept us updated at every turn; he encouraged us when he sensed we might be getting frustrated with the process; he explained every detail in terms we understood; his attitude was always super positive; and upon conclusion, he delivered a great deal to help us achieve our financial objectives. Words cannot express how grateful we are to Hawaii VA Loans and especially to Kitsana Dounglomchan for helping to make what seemed impossible, very possible and a reality.