The application and underwriting process needs some work, that's for sure. It took over two months for my loan to close. I would have given them 2 stars if you had asked me 6 months ago, but they've grown on me. Here's why I have to give them four stars:
-- When I call during normal business hours, I'm able to speak to someone about my loan within minutes. I don't have to go through those incredibly painful call routing systems.
-- Everyone I've spoken to has always been very pleasant.
-- Their "smart loans" with rate re-locks just work! i just refinanced without a credit pull, application, or appraisal. I simply paid them $295 and my rate was adjusted from 2.99% to 2.79% and extended the fixed rate portion of my ARM for another 5 years. If this ain't "consumer friendly" then I don't know what is.
My rating is really a 3.5, but I rounded up. For them to truly get the extra half star, they'll need to allow me to manage my loan online! I mean, it's 2016, for goodness sake.