If I could give them 0 stars I would. Worked with Tom and had an incredibly poor and unprofessional experience. I consulted with the company leading up to signing a construction contact and he kept telling me "oh your income is great, you will be fine." Even had eye on my old tax returns, etc. When push came to shove, (as a self employed person) my CPA wrote off a lot of my income - just like the previous tax return that I had seen and suddenly I did not qualify. He made a handful of suggestions like get a cosigner, which was not feasible as I live alone and was taking out a HELOC and, ultimately the company got me an incredibly bad appraisal that I paid almost $1,000 for. Not once in the process did I think he knew what was going on nor was versed in the project. I never felt as though he wanted my business nor to create any helpful solutions to the road blocks that we were encountering. In the end I wasted MONTHS of time money and energy for no outcome. His guidance was poor and off base and the process was insanely bad. I told my contractors and they said other clients are having issues as well. Absolutely would stay away from this company.