Absolutely disappointment, Tracey took every details of me and my wife and she was very positive at the beginning, everything was going smooth till the application went to underwriter.. took two weeks and got and email from Tracey saying( I have had a decision back from Halifax and your application has been declined, and I am unable to replace this to another lender) no explanation why ! If I can appeal , me and my wife was on 100k a year .. we needed 390k .. at the beginning she was so sure that she can get us that but then that happen , which I understand but she didn’t explain nothing ignored all my calls and emails .. Worst discussion I ever made is going with this company.. I lost lots of money and time , thanks to this useless company….