I have known Kysa Lovvoll since the 1980s. Even back then I was drawn to her honest, cheery, and positive character traits, which reassured me that she was my go-to for my first ever refinancing experience!!! Three years later, I had refinanced each summer, dropping my rate consistently, as Kysa would be the one to reach out to me to say, "Hey, rates went down again! How about it?"Kysa made this process with many mixed variables, simple for even the novice of mortgage holders. Kysa would call to check-in daily, and offer any support she could! Kysa's knowledge and expertise had led me to further build upon the trust I already had with her character. She is one that I have recommended a few times now! Nowadays, I can add reliable, dependable, and devoted to the list of character traits I had once gave her more than 30 years ago!Thank You, Kysa!(I'm also glad to call you my friend!)