These folks delay the process for no good reason. I had to continue to press them to move forward on my refinance. Ended up with no refinance, because the lender they chose did not honor their own appraisal. They argued the point, then gave up without demanding a second appraisal (paid by the lender or themselves). In the end I was out the appraisal fee. By the end of two months the inquiries they made to my credit report caused my rating to slip and I had to requalify at a higher rate plus points. It was delay after delay with these people.