We worked with Jeremy and our loan process went smoothly. Jeremy replied immediately with all info/answers we requested and even rewrote our pre-approval letter right away several times at the request of our (silly) real estate agent. He closed the loan two weeks early. One thing you should ask for is the simplified closing statement that gets sent to everyone except the buyer---even our real estate agent got one. We got a ridiculous closing statement that was difficult to decipher, and that caused problems fighting the title company over fees up to the last moment before signing documents. The lender fees were just as described from the beginning.