The previous review is Bunk Ellisha D. has no clue how the industry works and just because she trusted Dave Ramsey and used a firm that he is associated with really means nothing, Quicken Loans spends $600,000.00 per yea in advertising to get you to use them only to find out they charge more and may not have the experience. The Broker is almost always a better choice than a big box bank and you will get a competent licensed Mortgage Loan Originator to guide you through the mortgage maze. Thank you Ms. Schmidt and Mike Hardwick, we appreciate what you do.