Great rates, Staff is friendly however there were many hiccups and delays in my closing process. The vendors that are used are not reliable enough for large life changing purchases. Kathy worked endlessly to get my closing done and Joe did what could at the end to ease the stress. I can say, my closing day once funnily started after being delayed to later that day went smoothly. If the communication and vendors are updated this will be a great company g to use. Outside of that rates are great.