They are excellent. Super rates and even gave me a lower interest rate when rates dropped before closing. They even paid for all of the closing costs.

Signed with them over 1 month before close. All they cared about was securing $500 for appraisal. After I paid that they would never return my calls. Every time they needed info I sent immediately. Later lied about filing documents timely and cost me the home due to their clerical errors. These people stole my money for the appraisal in my opinion as other reputable companies would not use their company's appraisal. You absolutely need to avoid this company in my opinion. There are so many mortgage companies in Charlotte nc and you would be foolish to use this one as their customer service is as poor as it gets, if you don't believe me try to call them anytime of the day. They never answer and absolutely would not be available one minute after 5:00. Other companies want your business and will call or meet you on weekends or give you their personal cell numbers. These people act like they are doing you a favor. Btw my credit was almost perfect.