Horrible experience, My opinion stay away at all cost. Sent them all my personal information for processing which to be honest I regret. More than 80 days past with no rate lock. Loan Originator keeps answering you with the same answers as if they buy time with hopes that the rate goes on their favor. Now I carry a hard pull on my credit which has left me outside the 45 day window in applying with a new lender and not being considered as a 1 hard pull hit.