"Kalvin explained the re-finance process all along the way and what we should expect . We felt confident in his handling and processing of our application , as we are not online savvy with loan ...Kalvin explained the re-finance process all along the way and what we should expect . We felt confident in his handling and processing of our application , as we are not online savvy with loan processing. He made sure via text and phone that we never felt ignorant on any actions to be done on our part ,along the way . He was professional and expedient , but reassuring ."