Closing the loan on our house was the most difficult experience we could imagine. They could not seem to lock in a rate with us. They changed it three times. We were charged outrageous fees for their indecisiveness. They seemed very unprofessional and incompetent considering they could not make sense of the situation for us. We have no idea why it took so long. Once they finally gave us a reasonable rate, we have more trouble in communication because we could not get ahold of the proper documents and title. They are just slow and incompetent.