This is a one person operaton of out a women's home, and people need to stay away!!! The owner will lure you in with promises of low rates, which may be possible, but will totally stick it to you with her "fees". She claims that she's only making 1% or something tiny, but as soon as you get your good faith estimate, it will be packed with additional fees. She is the most unprofessional mortgage broker ever...when you ask her questions about her fees she acts insulted and will avoid answering your questions directly. Take my advice, go elsewhere, this woman is the worst!!!