Phana and her team's lack of communication, unavailability, patronizing and condescending tone, unparalleled incompetency, gross negligence, and documented dishonesty made this one of the most miserable experiences imaginable. They messed up every form they touched, including incorrect information and repeated mistakes regarding the fundamentals of our home's vesting, loan amount, purchase price, etc., and had an attitude when the errors were pointed out. It pains me to leave even one star. There are lots of loan consultants out there; in a competitive market that moves fast, save yourself this migraine and go elsewhere. read more