Jo Garner was the loan officer and Susan Belew is her assistant. We stated over and over what day we had to close by, they constantly acknowledged this. When the day came to close, the assistant, Susan, turned all paperwork in to the underwriter the day of closing, we had to wait on a 2nd appraiser (which they should have done since they knew this before hand), and then they were inconsiderate about it. We had no where to go stay they couldn't even give us another closing date and to top it off she Susan didn't care. You never get to actually talk to Jo Garner it's always Susan and they are slooowwwwww. They are good at getting the loan money but not good at getting paperwork in and closing on time. It's always a one week delay with them!