If I could give them no stars, I would. I almost lost my deal with the seller because they missed closing twice. My rate went 4 times as well, on the 3rd time I was give loan agreement with the terms on the 15th, which I signed that same dates and returned to LO. The loan agreement had a date to close on the 18 literally 3 days later. Guess what they didn’t send documents to closing. But the following day I was told that since my 3 day rate lock had expired that my interest rate was going up again. At that point I felt like my back was being placed against the wall and that I would accept the new rate out of desperation to close. Nope I walked away. I wasted my time and money. I ended up buying the house outright. A day later at my private closing title company asked who lender was because they were not going to recommend them to any other investors or private clients. Process started in Jan and it was problem after another. I will never consider them again. Waste of time and money.