up and up was the first company to not turn me away or say sorry you will never be a homeowner. I have had nothing but friendly people from start to finish, everything went very smooth and very fast. I was in a stressful situation and up and up gave me hope that everything was going to be ok. For the most part every text or call I would send or make I had an immediate response. I would highly recommend using them especially if you are in a bind and feel like you have no other options.