Ton Dang with Karis Finance did our refi and given that our paycheck was different every single month and our employer was located out of state(translation: underwriters do not like us), he expertly negotiated with the underwriters to get us a sweet 30 year fixed rate with a competitive interest rate. AMAZING. I’ve referred a few friends to Ton and they are all really happy with their loans as well. He’s personable, very bright, and really knows his stuff. It’s way better than those big name banks especially for us peeps who have weird income/job situations. Thanks Karis Finance! you guys rock!