It has been several months of applying, signing, notarizing and sending in original documents and title. Once I sent in the loan documents and title, they claimed that the offer expired, as if snail mail doesn't take time. After all that time, energy, and stress spent, I am left back at square one. No matter how good the rate they offer sounds, they will not follow through on it, so DO NOT work with them. I think I spoke with at least 7-8 different representatives throughout the process, which was way more complicated and misleading than it needed to be.