The process was very smooth with HSBC. The appraisal and every other the process was done very timely. We had a hard headline to close before what was mentioned on the contract date and we were able to achieve that, even with our loan officer on a travel in initial days. Would definitely recommend HSBC! The only limitation I felt was that we were not able to monitor the rates for different loan types on each day online - instead we had to contact our loan officer each time we wanted to get the details and he was traveling in a different timezone. I wish the information was at customer's finger tips! I would still like to have that as it helps me plan when to refinance.