Had 3 different mortgage plans, 3 different closing dates.... In the end we got the home, but we started out with no down-payment, then having to put $75k down, to "settling" with $25k down. And if you are not married, and buying with a boyfriend/girlfriend/partner, prepare to go through the ringer! While our consultant was good enough to make it happen, I almost wish we went with another company, Oh, and we just got notification that our information/mortgage was sold to another company in Texas! BEFORE WE EVEN MADE OUR FIRST PAYMENT!