Where do I start? They were builders preferred lender so I went with them. Let me start by saying how much their interest rate differs from anyone else and if you want it lower they charge you an arm and a leg. My processor was USELESS. This is my second mortgage and my first time it was with a credit union and my process was a breeze . Erika needed some info from my HR and she waited until two weeks prior to closing to work on that and then even though I wasn’t supposed to be legally involved in that process I had to get involved to make sure I could close on time. Not to mention literally the day prior to closing my cash to close amount was wrong by like $16,000 .. so the day of closing all that had to be accommodated or couldn’t close. Overall I wouldn’t go with them again and I honestly CANNOT wait to refinance my loan already. My loan was a VA loan but they don’t honor the VA determined interest rates. They call us secondary something where they add almost 1 full percentage to it. If you want what the VA says it should be to bring it down one whole percent is almost 15-18k