The whole process was just ok. It really bothered me that Justin told me in our first call that he was always available and I could call or text at any time. There were texts that went unanswered for days at a time. I never knew who I was supposed to contact for an issue or question. Also I never spoke to Justin after we locked the loan. All of the automated communication just made me feel like a number and the generic videos were cheesy. Also the way my Lender Paid MI was handled was miscommunicated to me from the start and I only found out after I was cleared to close. I was told that the one-time MI was to be paid by the lender. I come to find out that he only paid a portion of it and used seller credits to cover the rest which was OK but it was represented to me that the lender was paying all of it. At the end of the day the process was relatively smooth and we got an acceptable rate. So I am happy about that. It