D&K Mortgage Corp. almost cost us the sale of this house, and the only reason they get a one is because at the VERY last minute, the loan pulled through and we were able to close on the house on the scheduled closing date (albeit much later in the day than originally planned). From the beginning, my boyfriend and I kept in constant communication with our loan officer to ensure we had everything we needed, and uploaded the required documents almost immediately as they were requested. As we got closer to the closing date, we didn't hear anything about the status of our loan so we repeatedly checked in every few days with our loan officer and processor to ask if there was anything we needed to provide or if we're still in good shape to close on the scheduled date, and they just told us everything is fine and going as scheduled. Then, they finally told us they were waiting on documentation from the HOA (which we had no clue about) and they had apparently been waiting for days for this, but didn't communicate this with us, so we could have, at the very least, made some inquiries on our end. Then, TWO DAYS before we were supposed to close, our realtor told us the title company still hadn't received the closing documents from our lender despite asking them repeatedly for it (unbeknownst to my boyfriend and I) . I reached out to our loan officer about this, and he said that our loan was still in processing because they needed to verify the employment status for my boyfriend and I...TWO DAYS BEFORE CLOSING. I respectfully said that I wish I knew about this earlier, and he replied that the processor only just told him about it. Why did he not check-in with the processor when we had inquired on the status? Why wasn't he proactive? Why were we not notified of this earlier? What would have happened if my realtor didn't check-in with me to let us know about this and ask us to urge our lender? We continued to express the urgency of getting the loan cleared to close as we had, at that point, less than 48 hours to wire the final funds for closing, but our loan officer kept saying we would make the date/time and provided only vague responses to anything we asked. The day before closing, I wasn't getting anywhere with our loan officer so I called D&K office in Washington, DC to ask for some assistance, and I was put in contact with the Vice President of Credit/Finance for the company who said he would look into our issue. I firmly believe that we only closed on the house in-time because I had contacted the VP about our situation, and he was able to get things moving on our loan. But, there were still more hurdles to jump through after that (which leads me to believe the entire process on their end was a complete mess since we provided all the documentation we needed)! Finally, the NIGHT before closing, the title company still hadn't received the final closing disclosure documents and suggested that we push back the time for closing. I had to call the VP again and told him that we are at risk of losing this house if we don't receive these documents, especially because the sellers are concerned that our funding wasn't finalized. Eventually, the closing disclosures get sent on Friday afternoon, but that's not before I contacted anyone who would help me to figure out what was left to do since again, I was getting nowhere with my loan officer. Then, when the title company finally received the closing documents, there was a stipulation that they needed to see the CD's from the sale of my condo....this had never ONCE come up in conversation that this sale needed to be completed in order to receive another loan (I was upfront at the start of this process that it hadn't sold, but it was going on the market) and after some urging to my loan officer, he got the loan approved at the higher level (this was likely only because I thankfully had a ratified contract to sell my condo. So, we were finally able to close 6 hours later than our original closing time (and we couldn't have pushed it back because we were leaving on vacation for a week afterwards). Why did all of this have to be so last minute, especially when we repeatedly checked-in on the status and to ask if there was anything needed from us? Through out the final days, the sellers were getting nervous that the loan wasn't completed, and when the realtor reached out to the title agency and our loan officer to ask what was going on, our loan officer only replied to one email with one sentence, simply saying "the documents have been sent to the title company," which wasn't even true because they weren't even the final CD agreements, but the preliminary ones. Had I not spoken with the sellers' realtor myself and assured him we were doing everything we can to close on Friday, and had our realtor not done the same thing (not to mention the amazing efforts from the title company), it is also likely we wouldn't have gotten the house. Not to mention that we didn't even know how much money we needed to bring to the closing because DK hadn't finalized that final funds yet and could only give us an estimation, so we got a cashier's check for $6k over the preliminary price just to be sure because it was too late to write the finds. This is just a summary of our experiences with them, and I found this experience to be shocking since I used them to purchase my first home and didn't have any issues. Perhaps the most frustrating thing is that throughout this entire process, no one took accountability or apologized for the disorganization, confusion and pure lack of communication from the company. Long story short, I do not recommend DK Mortgage Company. People have said that particularly in this market, mortgage companies are struggling to keep up with the demands of everyone applying for home mortgages, but I don't consider this an appropriate excuse to be unorganized, incommunicative and downright unprofessional considering their sole job/purpose is to process mortgage applications.