Do not use this company until you go on line and research them. they will give you a lock in rate and then lose all the paper work and stall until it expires and then tell you either pay the higher rate or pay them 500. I can document this with all the emails they send me. I could go on and on about how they do not have an office but they all work out of thier homes and will not call you once you sign the papers. So beware read full review »