These complaint sites are a joke. Anybody that doesn't like Mortgage Grader does not know what they are talking about. These guys are the best mortgage people around. Our credit scores were under 600 and we did not have much for a down payment either. Talking to Jeff gave us confidence and hope that maybe my wife and I were good credit risks.They were the only ones who could help me. Everyone else said I could not qualify because my credit was too low. Not true. Jeff and his processor Roni approved us on a great rate and we were able to buy our dream home!