Terrible communication and coordination! Their bankers will constantly take vacations ( out with girlfriends, boyfriends and whoever) and give you fifty million different points of contacts, who know nothing about your case and you have to start all the way from the scratch with each one, and as if this frustration is not enough, they will reject your application at the last moment without telling you because your spouse started working for a CBD company and not Sephora!! Fifty different bankers will call you fifty million times all during the day, each asking the same question and then relaying it to someone else. They will also inflate the APR as compared to average and make false claims about beating any offer and keep you hanging in there indefinitely. Do yourselves a favor and go with the builder-recommended lender and spare yourselves some major migraines, high blood pressure and frustration.