Pros
Quick Decisions: Provides instant decisions with funds available within 1-3 business days
Rate Transparency: Uses clear letter-grade system (AA-HR) to determine rates upfront
Multiple Income Sources: Considers self-employed, retirement, and investment income for qualification
Cons
High Origination Fees: Charges 2.41% to 5% origination fee deducted from loan proceeds
Limited Term Options: Only offers 24 or 60-month terms with no flexibility
Strict Requirements: Minimum credit score of 640 with debt-to-income ratio below 50%