If you don't mind being lied to and mislead this is your mortgage company. We were asked when we wanted to close, date given, appraisal paid for, original closing came and went. Death in family (co buyer) no longer able to close. IF we choose to use them for another loan they will credit the appraisal fee but REFUSE to reimburse us those monies even though it was loan officers LAZINESS that postponed the original closing date! The star is for the woman that was working on the loan before she went on vacation, I do believe she tried.