Hideous experience with this company and Gianna! Very poor communication, dragged her feet every step of the way with me having to constantly contact her for information, then to find they wouldn't approve me at the last minute, when it was too late to look elsewhere was NOT good business! The reason? My ex did not take me off the mortgage (owes about $30,000 and he's an airline pilot who is remarried - do you really think he's going to go into default on HIS airport dream home???). The divorce specified he was to assume it and other mortgage companies I tried to line up said there would not have been any problem with that, but there wasn't enough time to process before the closing date - luckily I had cash to pay for the home, but it was ridiculous what this b**** put me through! No excuse for the way she treated me!