While my loan did, eventually, get approved and funded, it took three and a half months. At least two of that was due to idiocy and incompetence on the part of the title company AND poor communications internal to Amerisave, as well as poor communications to me.
Had they communicated more fully, I could have resolved the issues sooner. And yes it was me, digging and calling and harassing, that finally got the issues resolved.
If you have the time and the will to beat them, constantly, then you can get a good rate. Otherwise, go somewhere else.