If you wanna be ripped off, go for it. I reckon they should re-brand to RateBastard. At first it seemed their interest rate is not high but for the last couple of years, they raised the rate not a little slower than the big four did. If that's acceptable, be careful of their hidden cost such as deferred establishment fee, etc. It would cost you an arm and leg if you discharge the loan in 5 years (eg, you want to change a house, sell it or switch to other banks). Say if you have a 400K loan, they will charge you $4800 for the exit fee, not to mention you would have already been ripped off $2400 (0.66%) of application fee at settlement. Have you ever seen a loan with such high application fee? Yes, that's rate bastard.

Poor support, no face-to-face talk if you have problems, slow response… what can you expect for such a small company who have no idea of their tomorrow would be? I would never go to them again.