I am an Army Veteran, I have been doing home mortgages over 20 years. When I am able to help my fellow Veterans through the mortgage process for them to be able to purchase a home, that is what makes my job fun.
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Ratings & Reviews
Exceptional Loan Officer and Veteran Supporter!
Mr. Bernie Kalmus did an excellent job walking me through the VA refinance process. Not only is he highly responsive, he is courteous and professional. Everything Bernie said during our initial phone call was 100% accurate including the rate and fees. There were no surprises or stress working with Bernie. He is never pushy and everything was smooth and seamless. As a Veteran I couldn't have found a better advocate. His professionalism, honesty and due diligence for my behalf has lasting positive impact. Thank you very much Bernie, you are the BEST!
John from Tustin, CA
Incredible easy and efficient experience
Bernie was phenomenal. No unnecessary calls, never pushy, just what was needed to get the process moving along. I never had to leave a voicemail since he always answers his phone. Could not be more pleased.
Jose from Boerne, TX
Bernie let us know exactly what we needed up front to obtain our mortgage. He always let us know when he received our documents. If we had any questions, he had the answers the same day. Most of the time email worked fine, but it was nice to know that he was always available by phone if we felt we needed to talk to him personally for clarification, which we did a couple of times. Honestly, of the five mortgages we've had over the years, this was by far the best and easiest process and that was due, in a large part, to Bernie for his customer service, communication and availability. If we were in the market for another loan, Bernie would be our first stop.
Brian from Fort Myers, FL