Definitely use First Rate Financial if you want a botched closing. We were the sellers in a deal that went terribly wrong because the loan officer didn’t do his due diligence.
We ended up losing another house because the deal lingered on.
And when you google them, you find court records about one of their employees who was fined by the State because he DID NOT HAVE A LICENSE.
Find another mortgage broker.
There are plenty of better ones in Alaska.