I chose the wrong initiating location, rather than the wrong company. Or I should say it was chosen for me, even though they are 2,000 mi. away from me. When I called the 800 number, I was directed to the San Diego branch. Little did I know, I'd be doomed from the start. They asked for redundant submission of documents, they had little communication with me, and were constantly dangling the carrot. The only way the underwriters have any communication with the initiating officer, is the utilization of the information they harvest. The left hand does not know what the right hand is doing here. One's initiating officer can quit, or be fired on a whim, and the one who applied for the RM suffers for it. After 85% of the "hoop jumping" was completed, I bowed out due to their incompetence, and their remarkable talent of being inept. The San Diego branch is all puffed up on their own self-designated importance. Possibly they are punch-drunk on that California Coastal Kool-Aid. Here again, I believe the problem was the specific branch I dealt with, and not MoO as a whole. The only good that came from this total waste of time, is that it did defer me to choose another company, which I have been more than happy with.