I was really impressed when we contact First Option lending, they came to our house and walked through every piece of paperwork we signed for the loan application. I got a good vibe from the first line of communication. Soon after that no communication at all. This process began back in November and we are still chasing after them for status. On average , it takes a week to get a call back from our loan officer.  It's funny because, we are currently refinancing our rental home from a different company and the level of service has been exceptional, they send us updates to keep us in the loop constantly.  We are canceling our loan application with first option today and going with the other company.