An unmitigated complete trainwreck of a dumpster fire. Whatever you do go local. These people havent a clue. 1st off they lure you in with a 9k closing cost option only for it to be less when your loan is figured out. Secondly they're arent buttoned up to save their life. 1st call for a 35 min interview was 10 mins late & at the end it was oh sorry I'm not the right person for you I have to get you to someone else theyll call you by the end of the business day. 3 days later ugh another 10 min late call to hand me to a processor to make an appt 7 days in advance. Processor blew off that call blaming it on a time zone issue. Even if that was true she was still off an hour & a half. Then she sends me the online homebuyer class to take saying this will really help my metrics. Nobody cares about your metrics. Then I got an email meant to go to someone else. Then a call saying my ratios are off with numbers that dont even exist. Now I'm hearing horror stories from friends dealing with the same company about missed paperwork....missed dates etc & when I ask my salesperson about it he says quote let's just say I'm not unhappy when some ppl dont get into the home they want. Enough already. Stay away at all costs cause theres plenty of local people willing to help you that u can reach at a moments notice. This place is epic bad