As a Hurricane Laura AND Delta victim, be warned that you do not want them as your lender during ANY type of catastrophe. They refuse to pay one red cent out from insurance money until 100% of repairs are complete. Not 25% or a third up front to start repairs. Not a dime of the $12 thousand that we spent on credit cards for a roof so it would stop raining in our house. Callous & heartless. Couldn't care less about houses or businesses or jobs that were destroyed. Will not bend or flex whatsoever. If you do go with them, make sure you have a giant savings account. You'll need it because they only reimburse after you use your own funds to fix everything - even your chain link fence that has nothing to do with your mortgage. Go with ANYBODY but them or get kicked when you are down at your absolute lowest. Don't say I didn't try to warn you!