We found MCA on Bankrate.com, searching for a lower rate than our builder's preferred lender who treated us like they were doing us a favor processing our loan. I was a little hesitant at first but after a little research we decided to go with MCA. We could not have been more pleased. Everything was handled electronically and Jennifer Cho was always available for any questions or to discuss the next step. I would certainly recommend MCA. There was one minor issue however about the escrow where we were being asked to provide a full year's escrow at closing. Hours before closing the loan we opted to eliminate the escrow. The staff at MCA had everything revised immediately and sent to the tile company and closing occurred on schedule. Overall, it was a great experience.