I rate my overall experience with MCA to be a great one. Even though seeing mixed reviews on Yelp, I decided to give MCA a try as they are local to me in Southern California (I found them on Bankrate). I first inquired online via Live Chat and connected with my to-be loan consultant Jennifer Cho. She was very knowledgeable and polite throughout the entire process. She provided me answers on all my questions/concerns that I had regarding our credit history and the situation we were in. She provided the rates via email and there was no pressure to fill-out a loan application for our investment property refinance. After some shopping around for rates and talking to other lenders, we decided to go ahead and proceed with the refinance application with MCA. The overall process was really quick in my opinion. We were able to close and get funded in about 3 weeks sin ce first filling out the loan application. We had all our information that was needed already scanned and ready to email/upload when they requested it so that probably helped speed up the process. Katie Chuoo was our loan processor and she too was also very nice and helpful throughout. I would definitely consider MCA again in the future for any of our home loan needs and would recommend them to our family and friends. Thank you Jennifer and Katie for making our investment property refinance happen!