I am very disappointed in their underwriting. They made the process so very difficult. My husband and I are over qualified for this loan, we could have actually paid cash however we were interested in other investments so we chose to finance. They were asking for things to be done last minute, asking for work and repairs to be completed only days before closing even though we had so many contingencies on the line and forced to complete them. And if they were not the whole deal would have gone south for so many other parties. They asked me to complete letters for menial financial line items in my bank account that had no bearing on the debt to ratio requirement, knowing that it had nothing to do with whether or not we were approved. I had to write another letter about the fact that I had 2 names, one of course was my maiden name, pretty basic information, assuming also pretty standard for a married woman. They never provided me with a good faith estimate, only text messages, nothing in writing from title or title costs etc. I was charged $775 for an appraisal, which is pretty high. We had so many questions about closing disclosures that were not answered before we were supposed to close. Phone calls were not returned when it was GO time! We were almost being forced to close when we did not have a chance to go over the numbers. It was very pressured. The list goes on. It is a very stressful transaction as it is, they made thing so much harder than it needed to be. It was very frustrating.