Closed a home loan with this company recently and though they were able to take us in on short notice, they seem extremely under staffed. The phones were ringing constantly without anyone answering them. Everything was put on the "back burner" and put off until the last minute. I felt like I had to push them along to have anything done...and then the employees acted as though it was too bothersome. Bad experience with Netco. My advice is to avoid at all costs.