This is the worst lender I have ever encountered. They made me redo my application every 2-3 months - whenever I asked them a question. I was asked age-ist questions like 'how was I going to discharge the loan in 30 years after I retired?' - the only answer they would accept was to sell the house. I had to redo my budget to fit their preconception of my budget (so why ask me then?). I couldn't nominate a repayment amount above what they set. I finally got sick of their extremely poor service and refinanced. Their phone queue seems to be set to 30 minutes before transferring you to a human. After exactly 30 minutes, I had my identity verified then transferred to someone else who tried to talk me out of it. They disparaged all other lenders saying they were more expensive then they were (despite charging 2.95% compared to 1.99%). They then threatened me with having to pay over $3000 interest + a $345 exit fee, if I changed. I would advise you to go to someone else - do not believe the 5 star ratings, they must be employees or their family members! The company is completely despicable in my opinion.
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