Very unhappy. Waste of time and money - save yourself and go somewhere else!. Spent $395 for a home appraisal and they never sent me lock in rates after my mortgage was approved so I could not close the mortgage. When I complained about not getting rate quotes (they claimed the market was too "unstable" - but other lenders were still publishing their rates) , they claimed my mortgage was incomplete (how can that be since I was approved??) and withdrew my application after wasting my time for over 6 weeks with no explanation or phone call or anything - just a form in the mail. Amy Wisth in the New Jersey office is terrible - no documentation on anything other than in e-mails, slow in responding and said I was approved then said my application was incomplete. Called the corporate office, a person called me back and said they would be in touch with rates to close the loan but never heard from them again after calling back and leaving a couple of messages. I have lodged a complaint with the Better Business Bureau and the FDIC as well but now I am stuck going through the approval process all over again and spending another $400 for a home appraisal.