In 2012, Karen Kline assisted me with the purchase of my first home. Of all the businesses I could possibly review for their positive contribution to my life, it's Karen Kline that comes first to mind. She worked really hard to get me a super low interest rate, evening calling me one night to lock in the interest rate when interest rates fell to an all time low. She had her eye on it for me- this literally saves me thousands of dollars over my lifetime and makes monthly and day to day living easier. A very unfortunate thing happened in my life in the middle of the home purchase. My husband at the time had totaled his car and a month later the computer went out on my car. In a two month period while moving toward closing we had to purchase two cars. Karen worked out the math for us and gave us the maximum dollar amount for car payments we could have each month and still get the loan approved. We were first time home buyers- she had incredible patience in explaining everything from paperwork, points, interest, mortgage options, and the titling process that occurs after her work is done. She works with the banks for you, as an advocate on your side of the table, so all questions and requests for documents coming from the lender come through her. I never had to talk to the lender myself or experience any unnecessary scrutiny. I never even had to write a check to Karen- the process of payment gets worked into the figures. Because of Karen, I got a zero down payment rural home USDA loan through Chase in lava zone 3. She even managed to work out my low interest loan through Chase, which is a huge miracle considering my long past debt with them from years back. She gives pointers on how to keep your financial profile looking good through the process. She is calm, attentive, friendly, and hard-working. I will never forget what she did to get me a mortgage on my dream home that is affordable and fair. I send many people her way when they say they are buying a home. These days it is so hard to find businesses that you can trust on big purchases- Karen is trustworthy. read more