Great experience until the end. I began the process early and became fully approved with a certified letter and a closing guarantee of $1,500 if the loan did not close due to their issues. During the last two weeks of closing, they could not obtain an appraisal and said it was out of their control. If not theirs, then whos? Due to their inefficiency, they could not close and would not honor their guarantee. DONT TRUST anything and if by some chance this review does not hinder your decision... please have a back-up for when they shatter your dreams.