My husband and I had unique circumstances with a variety of debts, a garnishment & properties inherited when wanting to purchase a home together for the first time. We did not have a realtor as we knew the home seller. Kim and Karina were readily available to answer any and all questions, during the week, or weekend off hours. My husband and I did most of our communication during our lunch hours via three way calls or after work hours because we work in different cities and have busy and demanding jobs. Kim and Karina accommodated whatever we needed. Most paper correspondence can be submitted to their lending app which was helpful. They provided sound advice and Karina moved mountains helping my husband reach the tax board to get clarification on a debt. These ladies take their jobs seriously...