At first things seem to go well then came the documents they wanted.sent about 12 documents.then doc not good enough going back 12 months now want 24 months. From ss letters of verification to pay stubs to w2 forms and on and on.then while I'm trying to get this together 24 hours later closed application due to incompleteness.put out 565 dollars for appraisal and now nothing.was refinancing a house I own and have paid on 20 years.this is a joke.look for more reputable firm and save yourself a bunch of grief.