Worst lender I've ever submitted a mortgage to. By far, they are the most incompetent lender I've ever worked with. They'll drag your funding out to 90 days repeatedly requesting documents already provided, taking 15 days to underwrite a loan, 4 days to review conditions and at minimum of 6 additional days to fund after the California 3 day rescission period expires. I'm seriously starting to question if they're experiencing liquidity issues and purposefully delaying funding loans until they sell off other loans first. I'm glad I only have 2 clients with them, they'll never get another client from me as long as I'm alive. Stay far away from these guys.