Spoke to Steve said loan process is hassle-free. Everything was good until we paid the application fee of $500. It then went south, documents after documents. Keep in mind, we have a credit score of 810! And are applying for a refinancing for 17%. Told everything good. Late Friday afternoon we get a message need more! An endless loop. Loan processor does not answer emails or phone, basically giving up and ready to sue for the "application fee" User's recommendation: Buyer beware. "Application fee" is a scam. Do not pay an "application fee!".