Kiel is all it is advertised to be. There wasn’t ONE THING all along the way that Chris could have done better. He contacted us almost every day! He not only did everything right, he took on the problems, researched them, solved them and even found the lowest prices to fix them. We unsuccessfully tried two other top national mortgage companies over the last 4 years and are so appreciate of Kiel! Refinancing now at the low interest rate will make the difference in staying in our home throughout retirement. We will be indebted to Kiel for the rest of the time we are in our house, which we hope will be the rest of our lives!