Would not use again. The loan took f-o-r-e-v-e-r and because of that I had to pay extra for a 2nd appraisal. I felt like I was getting nicked and dimed through the whole process. Every time they would call for a pay off from the existing bank I was charged $50.00 and when we did not close in that time frame another pay off had to be ordered that happened to us 3 times. Then income had to be re-verified again which was another $35.00. If I ever did a loan again I would stick to a local bank (this one was in FL. but out of town for me). I also had to pay extra money to prove we were not in a flood zone by having a survey of the property. The loan ended up costing me about an extra $1200.00 more than was first quoted. On the plus side, the people there were always very courteous and very nice. However, not concerned about saving you money (by having the client always come up with more out of pocket expenses).