The people I spoke to were very nice- I want to say that first. Secondly, I have an excellent credit rating. However, when I inquired about information the response was slow- 3-4 days later. When someone did contact me- he said "no problem. I don't see any issues". But, I never did get a pre-approval after several weeks of providing financial information. My first loan officer quit his job and I waited 2 weeks to hear from him before customer service contacted me. Also, his number now said it was disconnected. The guy who took over for him was fine-not as personable and a bit off putting, but again, no pre-approval. I wanted to look at houses so I started looking. The new guy didn't agree with the first guy's recommendations and after providing all the info again and this guy wanting more records (along with dealing with an assistant now)- I just called Rocket mortgage and was pre-approved in 5 minutes. Again, they were all nice- I just didn't get the impression they knew what they were doing. Honestly, I gave the 2 stars just because they were nice. It hurt my credit and I got nowhere as far as my mortgage went.