Pros
Fast underwriting, great marketing department if you can get them to respond, good brand recognition in already established markets.
Cons
The main issues I have stem from management. There is an attitude that it is a privilege for loan officers to be working there. I continually heard about their Christian values yet saw nothing but but the opposite in the action of the management team. For instance there was a change in their policy on expense re-reimbursement, and didn't tell their loan officers and branch managers of the change until their expense reports came back with only half the re-reimbursements that were expected. This left many employees with a lot of expense, sometimes several thousand dollars worth, with no recourse. Also the company made the loan officers pay for their marketing materials while paying a lower comp plan than most of their competitors that would provide marketing materials.