WORST rate ever! So regreted going with PERL.
Unfortunately I fully trusted this company as a first time house buyer and they completely ripped me off. I got the worst rate unimaginable with a credit score of over 800 and no debt and high income. I tried to be super quick and responsive during the process but unfortunately they did the worst job for me and at the end apologizing for what a terrible job they did and asking for the second chance. I'm refinancing my mortgage with almost 1% less rate with another bank which brought my monthly down to almost $450/month. I'll NEVER EVER recommend PERL mortgage to any of my friends.