Thee worst company on the face of the Earth! Don't do it! Worst 6 Months of my life. So much time and money wasted. The positive reviews are fake.. As you see they are are within the last year or so. Don't know how they are legally still in business with their practices. Find another company. Go to LIMAONE or KIAVI. That's what I had to do to get my remaining properties refinanced, They'll give you rates and stick to them Unlike Loan guys. I lost an EMD dealing with these scammers. With them My closing was pushed back 4 months and I was given about 7 different rate sheets after they locked and I payed about $2000 in appraisals and they used they to their advantage. And the rates just kept changing and changing at closing my rate was TWO POINTS higher than what was given post being approved, Again, DONT DO IT. I'm trying to tell you.