My Loan Officer, Joan M Carter was excellent at understanding our financial readiness and presenting our options. She was extremely prompt when responding to all of our questions at every stage of the home-buying process and worked well with our realtor. She made us feel in control of the decisions at every step, was polite and respectful. The service following the home-buying process has been mixed. They have an automatic withdraw payment option, but this option will not allow you to pay early. The date I selected on the written form I sent in to be processed was not honored. Instead, my payment was scheduled for a month later (after the due date). I had to call in to correct this error. When I did, I elected to cancel the automatic withdraw but the service representative did not cancel it resulting in a double payment. It took 3 weeks, 1 e-mail, and 2 phone calls for them to return the amount they owed me. They told me my refund would be issued within 8-10 business days, but after 5 business days I called, only to find out the process hadn't been started. I'm still waiting for the check. Their automated menu options are PAINFUL! I spend longer listening to multiple automated menu options than I did talking to the person I FINALLY got a hold of. I recommend this agency, but I strongly suggest they switch phone systems and allow you to set up your automatic payments immediately for the date of your choice on the internet so there is no confusion.