that's better than anything else on the market in 2023 that I found. It took some follow up effort but closed on time as promised. Lacks the polish of large back, but overall very happy with result.

that's for sure. It took over two months for my loan to close. I would have given them 2 stars if you had asked me 6 months ago, but they've grown on me. Here's why I have to give them four stars: -- When I call during normal business hours, I'm able to speak to someone about my loan within minutes. I don't have to go through those incredibly painful call routing systems. -- Everyone I've spoken to has always been very pleasant. -- Their "smart loans" with rate re-locks just work! i just refinanced without a credit pull, application, or appraisal. I simply paid them $295 and my rate was adjusted from 2.99% to 2.79% and extended the fixed rate portion of my ARM for another 5 years. If this ain't "consumer friendly" then I don't know what is. My rating is really a 3.5, but I rounded up. For them to truly get the extra half star, they'll need to allow me to manage my loan online! I mean, it's 2016, for goodness sake.

and chose to also renew it with them. Rate is very good, and I have never had a single issue with them. Yes the process as others mentioned did take 60 days which they told me it would up front. I do have excellent credit and plenty of equity so I am not a risk which probably is why my process both times went extremely smoothly and zero hick-ups. Only issue is if you have a home in a living trust...then they won't help you..