Do NOT waste your time, go to a local bank. I have dealt with these people for 3 months thinking it would be good to deal through email and such as much as possible so I would not have to get off work. Two YES 2 days before closing, they asked my sister for HER bankstatements to ensure I had paid her cash for rent after I had provided them with 12 months banks statements showing where i had withdrew the rent money. Then they asked HER directly to cosign for me???????????? without my consent??????????????????????? is this even legal. The further away from these people you stay the better!!!!!!!!!!!!! If I couldn't get the loan alone, they should've at least warned me or asked me to find a co-signer. I have plenty of family that would, just the POINT.!!! Also a note, do NOT pay anything in cash a year before buying a home or they think you are laundering money??? yes they told me this............what a bunch of losers!!!!!!!!!!!