It's too bad I can't give a lower rating than 1 star. They waited weeks to get started on the mortgage after we applied. Told us things that were outright wrong. Weren't ready to close when the closing date came along. And it's not like their rates are the best in town. It's not like this is my first house. Together we have 9 purchases or refinances between us. Overall, I wouldn't deal with them again. Ever. Not worth the agrivation.