Their rates might be good but it will cost you in extension fees and if you are a broker - it will be very costly to your business. Especially if you send a purchase file to them.
they not only have NO Common Sense. Their conditions do NOT make sense and you will need to resubmit them over and over again. They are extremely inconsistent. Their appraisal management company and appraisal review are owned by Ethos and if they mess up internally - instead of taking responsibility for it they will string you along and kill the deal - and they will often try and shft the decision to and from the appraisal mgm and desk review requesting a lot of work from the appraiser.
They really are a circus.
I would stay away - there are better rates with better companies. Don't risk it.
Product or Service Mentioned: Ethos Lending Mortgage Refinance.
Reason of review: Problem with delivery.
I didn't like: Company.