When I contacted the lender, I was quoted a rate that was slightly higher than the one on here. This lender was the only one to send me a quote. I already had my own appraisal done, so that didn't need to be done by the lender. I gave the lender all my information and he submitted it to the lender the same day. I was approved in 48 hours. and the clsing is scheduled for June 9th. I would highly recommend this lender as he was very professional and courteous. I plan on using hm again for my other properties.