Although First Mortgage Solutions may present you an closing estimate with low closing cost and great mortgage rate, the company takes forever to close and will change the promised rate even though the setbacks were due to the company's fault. I was given a 30 day closing estimate, but the entire closing process actually took more than 2 months. After the initial rate lock for the promised 30 days expires, the company keeps on increasing the amount of money needed to pay the points to keep the rates the same. They did not extend the rate lock despite the delay being due to their appraisal that they found and hired was out of office for a week. Horrible service and horrible experience. Do not use them!