Ally bank gave me the best mortgage proposal of the lenders I consulted, and I am happy I went with them in the end. Keith was also great to work with: he is responsive, knows what he is talking about, and is not pushy at all. I had multiple questions, had Keith instigate different loan configuration options, and he was always happy to help. The only issue preventing me from awarding a 10, is that the actual loan processing (once the process moved from Keith to a loan processor) was a bit convoluted, the bank seemed in no rush at all (taking one week to realize they needed some additional paperwork), and not very transparent, often going silent for days (I often went back to Keith, as I couldn't reach my assigned processor to get an update). In the end we did close on the planned date, but I got uncomfortable at multiple points in the process, as did my realtor (it wasn't just me being more anxious).