Using Low VA rates they bought my loan 3 times first you need a fix then you need a arm currently in a arm I'm a 360 customer with on time payments 7,800 closing cost most their charging is redundant and they never gave me my disabled VET credit and being a customer I can tell you their difficult changed policy number without informing me it was *** to even make my payment had a fire and had property that was a hazard for myself grand kids dogs and neighbors held onto my money to the last minute took months even to begin the tear down and stole 400 dollars from me when it was all done .