This company did beat the competitor Chase in rates and fees. My broker seemed legit and wanted the business. Little did I know that he would pass the buck off to other people to finish our loan process. Our escrow was two months... TWO MONTHS and they still waited until 3 business days before closing to request more documentation from us, then threatened to extend the closing date due to us not getting the paper work to them.... I tried calling and pushing 0 \""if this matter requires immediate assistance\"". On hold for 20 min only to get a voicemail every single time!  No return call until days later. Communication = 0 in this company.  They don't treat their customers with respect. They treat customers like they are doing favors for you just by giving you a home loan. I would go elsewhere if I had more time.  The only positive was working with Nathan who gets it done quickly if you speak directly to him.