If you want really bad service and want to deal with a company who has no clue how to process a loan, use CashCall Mortgage. They are completely incompetent and their underwriting team has no knowledge regarding the documents needed for a loan.
This was the worse experience I've ever had with a mortgage company. They lie cheat and and mislead you at ever corner.
Buyer beware, stay away you will thank me.
If you want a headache and a lot of undo stress, the use this company and feel the stress and the agonizing pain that I felt.