We closed in 22 days with a loan from Independent. I swear Michael works 24/7, because I don't think I ever waited more than an hour for a response. We had major drama with our sellers, and Michael was there with the answer at every turn. We were >< this close to renting, thinking we'd never be able to close in time to get out of our house before our new buyers came in, but Michael pulled off what seemed like the impossible and closed A DAY EARLY despite our super crunched timeframe! The other potential lender had strict rules, can't close in less than 30 days, 1-2 day email responses - it was such an easy decision to go with Independent.