SBL is terrible. Chelsea Croft and Sophia Leteri were working upstairs. My wife and I sat down on the couch and we heard Chelsea and Sophia talking and said "(insert my last name) the dumb ass decided to transfer jobs to the DOE). My closing was delayed because I decided to become a Special Education teacher with the NYC DOE (how dare I) and they were offended. Michael Braun and Donny Schulze shrugged it off. Michael Braun said I should be thankful for the mortgage rate they got me and that in his office, the staff develop special relationships with their clients. He said the girls were talking to me as if I was one of their sisters (I am a male mind you) and that I needed to learn to grow up (I am 31 years old) I called and spoke with Donald Maita - CEO at NJ Lenders who SBL works for. Donald was out of the country . Upon Donald's return he called and apologized spoke with the staff at Silver Bay and even sent my wife and I a gift card for our new home.