A realtor friend of mine, referred me to Kal recently, to refinance my mortgage. He told me that he has referred several of his clients, and has only had great feedback. I was not disappointed. As a single mom (and definitely not a ‘numbers’ person), having to refinance to clear debt, with the potential of moving in near future (not to mention the unease of the world around us at the moment), needless to say I was a little overwhelmed at the whole process. I just wanted to make sure I would be ok in the end. Kal was great! He was patient, and answered all of my questions. He guided me through the whole process step by step. It didn’t take long for me to feel more relaxed and have faith and trust in Kal. I ended up with a great rate, and a smooth transition. I would recommend Kal to anyone, and will be calling him again when I move. Thank you Kal