I worked with Ken from eRates Mortgage after submitting an online application via Costco. To my absolute amazement, about 3 seconds after I hit submit on Costco’s site, my phone was ringing. I couldn’t believe how fast that response was, and the rest of the process was the same. Ken gave me a bunch of options for financing with estimates so I could get an idea of the rates, and gave me all the information I would need up front for my loan application. The interest rate provided was also more than .5% lower than some other online lenders I looked at, and the major banks. I can’t think of anything bad about my experience.