This is our second time using Encompass Lending Group, so that speaks a lot to their effectiveness in making sure you close on time without major headaches. They are terrific to work with and extremely responsive to any and all questions. Our underwriting experience was great as they asked for very reasonable backup and had decent turnaround times. Encompass beat all the deadlines we set for them (for appraisal, and financing contingency was accelerated by a week) and even gave us the clear to close 4 business days in advance of our actual closing date (which was 30 days from signing contract). A lot of my friends and coworkers have had terrible lending experiences, but I'm happy to say that we had pretty seamless/pleasant experience for both our transactions with Encompass. The second transaction was a lot easier since we knew what docs to provide and since we had bought a house before. I would highly recommend them.