All of the people I have talked to have been very nice and helpful BUT.... I HAVE BEEN TRYING TO GET THIS LOAN SINCE AT LEAST THE FIRST OF SEPT OR THE END OF AUG. The first one I talked to was Zachary Crego he told me a bunch of stuff that turns out not to be true. He has since been fired. I have been as patient as possible but in the mean time I have lost 2 houses I wanted to buy and will more than likely lose a third. I am will to wait until the first of the year because everyone else has been very nice and helpful. It's just a lot of hoops to jump through for a person that does not have bad credit. I am trying to stick it out because I said I would but with the time being so long I can't wait much longer