BUYER BEWARE!!!! This has got to be one of the worst mortgage companies because they deliberately lie to their customers promising something that they know is not realistic and/or obtainable. Loan officer Derek Hudland has no clue what he is doing and straight out lies to his clients about what they can afford. I was involved in a transaction which required 4 mortgage extensions from Derek. Turned out (3 months later) that the buyer had no chance in obtaining a mortgage for even half the amount promised by Derek. Also, when the matter was escalated to his manager Tim Huss, he also gave everyone the run around. If you want to avoid wasting your and everyone's time, please seek a creditable mortgage company.