They were difficult to work with. I kept sending them paperwork and they said they got it but needed me to keep resending it every time they needed info from it. Never understood why they could not look at what they already had for the info instead of having me send the same papers over and over. It became very tedious. It made me feel they were not competent. I ended up going with another mortgage company because of this. I sent them paperwork once and everything was done. Love my mortgage now