My accountant warned me not to use them – I wish I had listened. They really don't know what's going on. They waited to the very last moment to inform me that their appraisal required that I obtain an appraisal specifically for the roof and that they may require a complete new roof to make the loan. Even though they received their appraisal at least 25-30 days before they thought of informing me several days before the closing. It was a good that I had enough money on hand to close the deal without them! They over promise and under deliver. I have made many loans over the years, but I have never had such poor service before! I am sorry that I wasted a $500.00 application fee with them! I will never use them again.