I've used MCity twice now and I can say that I've been very pleased with the products and services provided. On both occasions Ulysses has been there for me every step of the way. I feel that he has gone above and beyond what any ordinary bank would do in order to help me get the loan I wanted. He has even taken the initiative to correct some minor mistakes on my credit report that were reported incorrectly. Without his intervention I would have had to wait up to 30 days to clear up the mistake going through the "normal" dispute process but he somehow knew just what to do and who to talk to in order to fix it. The second time I used MCity I decided to shop around to see if my credit union could beat the deal I was getting at MCity. In fact my credit union practically begged me to apply for the mortgage through them and after several emails and even a few phone calls from them I decided to go ahead and apply to see what they had to offer. I had to Thaw my credit in order to apply with them and after all that begging they turned me down. They said I didn't qualify for the loan and at the time I had $88k sitting in my checking account with them. They didn't even bother to tell me how much I would qualify for. No matter, MCity got me the mortgage I wanted and now I have the perfect house. I couldn't be more pleased.