This company, specifically Ray Gin, did some good work and were very good with questions, until we got to our close date. Ray kept delaying and keeping us in the dark and when we got to closeing, we magically found out that they were not able to fund the loan due to a circumstance about«work/live» that they already knew about from the start. They knew about our deadlines and chose to just let it go until the end and not tell us how detrimental this could be to our date, causing us to pay more while waiting on starting the whole process with a different mortgage group that COULD fund out loan and only took a couple weeks to do so once we started with them. They should have been straight with us and told us they didn’t think they would be able to fund this, instead of causing us extra stress in an already stressful process. Ray was nice, I do not want to say that he was not, and it might not have been his fault, but I do not trust this corporation. Also, they promised us a check in the mail and said they sent it but now they don’t respond to us and we still have no check… We shall see and I will update either way… maybe this will give them some positive feelings from me… if they actually follow through.