This should have been easy: LTV of 40%, FICO socres of 800, income documented, etc. It took them 30 days to get an appraiser out. My contact there was completely unresponsive to phone calls or e-mails. After 100 days, with no closing dat in sight, I decided to go with another lend. Never heard a word back from anyone. If I could give this review a rating of less than one star I would.