This review is from a buyer, trying to get a second home in a competitive market. (I mean no harm, but I'm sharing my experience because a review would have helped me when I was earlier along in finding the right mortgage lender) Long story short, if I had not had a backup lender, and if I was only working with Think, I would have lost a chance to buy my dream vacation home. They didn't know thier stuff (lending rules) to get the job done. This is what happened...I got a pre-approval letter for the top end of what I thought I could afford quite easily from Ken. I wanted more details but was told once I had an accepted offer they'd let me know the particular details (closing costs, monthly payment, etc). In a bidding war, we changed my pre-approval letter from 20% to 15% downpayment so I'd have more cash for an appraisal gap in a competitive market. The selling agent called Peter, the person who actually signed my pre-approval letter, not Ken. Peter didn't know who I was and that didn't look good for the seller accepting our offer. I called Ken and Peter and had to plead for them to remember me when the seller's agent calls to check if my loan will be good. They reasured me and reassured the seller's agent. Also, the realtor said the voicemail had someone elses' name on it. Ken and Peter did reassure and my offer got accepted. Within 2 hours of my accepted offer, Ken put me on a conference call with the processor. I was told by the processor 15% down wouldn't work. At that moment, my panick struck. My contract and math was based on 15% down. This is a $22,500 difference. Both realtors were concerned. I had to reassure them I could still carry out the contract. I started to feel I couldn't trust Ken to get the job done. I quickly put in an application with Rocket Mortgage, got pre-approved, but then within 24 hours, their senior underwriter said our loan wouldn't pass, in any situation, with new rules over second homes. Our points and fees would be too high, and we'd need to put 25% down. I became aware of this, and asked Ken. He kept reassuring me. I prayed and got lucky and found another lender , Drew Gebhart at JFQ, who knew what was going on and explained everything to me. He got me pre-approved with a non-qualified mortgage, with the same great interest rate as Think mortgage. Meanwhile, I continued to send in paperwork to Think mortgage's processor Mark, for 20% down. They were a good team--Ken, Peter, Mark and Craig. They found out from the title company that I was shopping for loans. They were rushing to get "cleared to close" so I could remove my loan contingency. I asked again if the loan was a qualified mortgage. Finally, a senior underwriter was able to answer my concerns. He said 20% down wouldn't work, now I'd need to go up to 25% down. This was day 10 into escrow. If I had not found another lender in the meantime, I would have been forced to lose the home or come up with another $22,500 down. The way they work, they didn't take the time to figure out what I truly needed as a downpayment. I could have taken more equity out of my home to get the required downpayment. This company is probably good for a refi, or for someone who has a straight forward situation. I, however, was let down by them and thier process was nerve-wracking. I would rather work with someone who is knowledgable and communicates directly. By the way, Ken hasn't followed up with me, once the senior underwriter sent a short email to me that my loan wouldn't pass the Qualified Mortgage test. This lender is not for me. read more