Worst experience of my life. I delt with Chris Smith. She's the owner. I know this because she tells you over and over how important she is and how many businesses she has. Obviously this leaves very litlle time to handle your mortgage correctly so expect many mistakes. I found three major ones and because most mortgage info is difficult to understand I'm sure I didn't catch everything. Fees are high and special fees are added and in some cases you will get double charged "by accident" They are used car salespeople and got lucky during the housing boom when people didn't care about mortgage fees