For those with stellar credit sores and clear and undeniable documentation, the process of getting a super low rate loan is as smooth as humanly possible.
The whole process went as fast as I supplied documentation. They do not have a proper online presence yet to manage the accounts online entirely, but hey, they keep their money where it belongs. They prefer to manage MONEY and manage it well, than to pay it all out to programmers and the major headache that brings.