We decided to go with HFA for a 30 yr conventional on the purchase of our fist home due to their rates. Both my wife and I work for large consumer banks, yet we chose to save a few bucks instead of just getting a loan from one of our employers. Big mistake. We were on a tight timeline to close in 30 days, due to the fact I was starting a new job and we were buying the house so I could start that. All the paperwork looked to be in line, the appraisal came in above the agreed sales price, we worked through underwriting questions about funds on... read full review »