Company took so long for loan processing that lock expired combined with rates climbing. Then claim was that underwriters declined due to appraisal not being acceptable. Odd since underwriters “accepted” it few days earlier based on email of support staff. All seems like a scam, and months of waiting while rates climbed. Do not trust anything with this opperation let alone all of your personal information (W-2″s, Tax returns, wages, ss #)!!! Absolute lies.