Don't you ever use this bank. We were asked for literally hundreds of documents over and over again, letter of explanation about every single thing for the last two months, and 3 days before the closing date our loan was declined. THREE DAYS! And with NO explanation WHY it was declined because apparently it is the policy not to tell the reason of the decline to the client ?! We were given no notice, no warning, no sign of anything going wrong.. everyone at Chase thought it was as good as cash offer and there were no problem. I am going to start a lawsuit on them. Terrible, horrible, this bank should not even offer mortgages to people because, guess what? They are not willing to give you a loan.