This place deserves ZERO stars. The negative reviews are here for a reason and the first indication to run. Not only are they unethical, lying and stating things to "others" and they know what I mean by "others" that are not true or when we said we started the application process or verbal approval to run credit or to submit our loan to others without our knowledge. It was a horrible process to go through and am reporting what they did to those "others" so they are aware of what this company really does. There are laws that must be followed and this place takes the cake in NOT FOLLOWING THEM. Stay clear of this place to avoid stress, anxiety and all. No one here answers their phone or returns any call back timely. For some reason they are always in meetings.