If you are techie, Quicken has a great system for submitting all the necessary documents. I am techie, so i much appreciated the dashboard system that keeps you up to date with all you need to do and they need to do. Upload and download your way through the process. The folks processing my loan were accessible by phone and quick to reach out and/or follow up with loose ends. I found the online dashboard and great customer service to be a winning combination. I should note, my loan was processed very quickly -- if you get your documents in, they will process them. Additionally, if you have accounts with Charles Schwab - you may qualify for discount on loan rate --- made our deal very sweet indeed.