They were able to get me a lower interest rate than anywhere else, but the rest of the experience was sub-par. The loan officer often asked the same questions multiple times - after I had already answered them, asked for the same documents on multiple occasions - after I had already sent them. They were generally easy to get a hold of and friendly on the phone but there were occasions where my questions went unanswered or they were MIA. Worst of all they were late on getting underwriter approval and we ended up closing almost a full week late. Admittedly I had two friends use their services and their experiences were great, however mine was not. I would not recommend and will not use again.