They will not tell you this, but if you email in your loan documents in over a few days, they will deny you. It does not say this anywhere on their paperwork. They don't like "piece mail." All documents have to be emailed on the same day. If you are missing one document, they will not call or email you----just deny you the loan. I read all the reviews after being deny and I am thanking the good Lord that they didn't approve us.