After spending 20 years at Chase and recently joining Emery Federal Credit Union, I feel like I have entered Mortgage Nitvana. The rates and programs cannot be beat, the ability to broker out and serve all 50 states cannot be beat. The ability to close quickly with the least amount of aggravation is win- win for all involved. Big Banks are not the way to go. I cannot believe I drank the Koolade for so many years !!!!