I would give this company a zero if it were possible. After months of dealing with them for a private mortgage it became clear that they were not going to be able to provide what they had promised, if anything at all. Its a good thing i didn't follow their original statement of "go buy anything you like, a mortgage is no problem" or I would have been really out of luck. It is clear they use junior employees to request endless meaningless documents and to give advice such as " cash out all of your retirement funds to lower the amount being borrowed." (I am smart enough to figure that is an option and also smart enough to see it isn't a wise financial strategy, however their employees don't understand this.) After 2 months of endless paperwork, i finally gave up and contacted another company that had the entire deal done in 3 weeks. Cloverleaf was saying there was no way, yet someone else did it in 1/10 the amount of time i had been dealing with Cloverleaf. Unless you like endless document production with zero results and very slow feedback, GO SOMEWHERE ELSE!! read more