You can have a broker or bank with great programs but if the loan officer is terrible, it will be an awful experience and your loan may not close anyway.   

The average rate of return was 0.61%, which is a terrible return, but wouldn’t look like a loss, but when you dive into the numbers, you'll realize that if you invested $100,000 during this time period, instead of it growing at a consistent 0.61% to $106,000, you would actually be left with $76,000.

I think to add to this that sometimes the material is sturdy, but cosmetically looks terrible.

Well that isn't terrible.

My agent at the time that helped me was actually terrible, but overall the deal was well worth it as 5 years later that home is now worth $270k.

To be honest with you I tried a certain software that cost me $250 and was terrible, most reports were pretty useless.

@Jeff Conn terrible interface but have you looked at bookingautomation.com or beds24.com?

In fact, doing so would set a terrible precedent, if you budge here they'll be asking to be compensated for this or for that.

It is terrible.

At that terrible rate I am assuming it is 25% down and a 30 year fixed rate mortgage.