I dealt with three different staff who each told me different, contradictory things, which also contradicted questions on the initial interface, nor did they even coordinate with each other. One was so unqualified that she insisted on submitting only limited data on my husband's income to make it look like it was 50% lower. He earns six figures and we own our house outright in one of the hottest markets in the country. It was bizarre. Even worse, a "senior mortgage officer" didn't even know what a Schedule C was--he said, "is that the name of a business?" Once we saw their unprofessional pattern we withdrew our application ASAP before we ever signed a mortgage with them. We'll be going back to our local banker. Terrible experience. User's recommendation: I highly recommend you find a local mortgage officer and stay away from disorganized "fintech" businesses.