No exageragtion, Sierra Pacific Mortgage officers practice magic and can do miracles! By any one's standards, they closed my loan and funded it in ONLY TWO WEEKS! My loan was very complicated and the only way to do it would usually be hard money (private lenders who charge points and very high -over 10%- interest rates) and I was going that direction. A while back I had contacted Sierra to get pre approved and shop for a deal and I knew then they could close in three weeks. I really wanted to save the private loan high cost so I picked up the phone and talked to Jennifer Phillips. I thought it wouldn't hurt to ask. She asked me to send some recent documents to update my file and next day she said she could do it. You see, I was onto a deal and to get it I had to close in just two weeks. It was NOT straight forward as I was getting the property in what they call double closing. Well, Jen got to work and got her colleague Nichole and the office manager Franco all involved to close in the two weeks. Due to how often they would communicate with me, I felt I was their only client and they had nothing to do except for my loan. Even Franco would text me from his private cell phone late after hours! I still had doubts and covered my bases and got a hard money lender standing by ready to close the deal. We were supposed to close on a Friday and I couldn't believe it when they told me they were ready to close on Wednesday PM!!!!! There were many complications regarding the double closing documents, mandatory disclosures, and wait periods and I was amused. I still couldn't believe it until my title company told me they were funded and I was officially the new house owner. Including my realtor, the seller and his attorney, no one really believed they would close but the did! And two days earlier! Bottom line, these guys are the best. Call Jen let her get you pre preapproved and if she tells you she can close, rest assured she will and on or before the time frame she'd give you. Thank you so much Jen, Nichole, Franco, and every one on the Sierra Pacific team.