I went into the whole process dreading everything because of the horror stories I'd heard from others (re: other lenders). However, fortunately, those stories weren't mine. My experience was smooth from start to finish (almost finish). Nadine Vipond and Vincent Bieaulieu were readily available to answer any questions, and also made my requirements clear so I was not left with much need of clarification. I am a new, first time homeowner and the process was absolutely amazing.