This is not our first rodeo. This is our third new home, we have refinanced dozens of times. I have never experienced such an incompetent and rude mortgage company. Our loan officers/processors were changed multiple times, and each time somehow they couldn't get our information within the company so I would have to resubmit info again. No communication with our builder. They would ask US if WE knew the closing date..should be the other way around. Closing day was a nightmare. First the person at RMC would not answer my calls to confirm the wire amount. She would only email me, and the amount changed many times until I finally just did a cashiers check. Secondly at our signing we were given NO copies or packet. Still have none. Then an hour after close, someone from RMC calls and asks for our keys back! We ignored her, as per our conversation with Maronda, who already had Certificate of Occupancy. They wanted our keys because an appraiser didn't want to sign off on final inspection because a bathroom mirror wasn't up. Just a ridiculous experience overall. I only stayed with this clown company because closing costs were paid. Rates are higher than the national average, we have perfect credit and I plan to refi immediately with a different company.