My experience with Ethos has gone good. Closed in less than 30 days. It was a simple cash out refi. My broker has used this company all the time and has no issue with them either. Don't know what this site wants me to enter more than a 100 words when two to three sentence covers my review of ethos. To the others who had bad experience. Were your loans / pay-offs complicated. Most of the time I had issues in the past was not the lender but the escrow companies. To the others who had bad experience. Were your loans / pay-offs complicated. Most of the time I had issues in the past was not the lender but the escrow companies.