I had the worst experience dealing with these people - both people I had regular contact with were very unprofessional. They reeled me in with promises to pay fees and lower overall closing costs, but I definitely paid for that in time and effort trying to get the loan squared away. The ""Senior Mortgage Consultant"" was very rude, unhelpful, and seemed inexperienced, despite her title. She would rush me to get certain items to her but then completely ignore any emails I sent or phone calls I made. In the end, I switched to a different lender and had no issues whatsoever pushing the loan through. Bottom line: Don't waste your time with True South.