I was unable to take time off from work (US Postal Service) but was sent everything we needed by e-mail. I could print, sign, then scan and e-mail back in the evening. The next day I would get a confirmation v-mail and e-mail of receipt and what would be the next step and estimated date. The focus was on what we wanted and comparison of options. Never any pressure or deadlines. They even offered to meet after my long day if I wanted but I felt very comfortable with doing everything by e-mail. Kiel arranged the escrow signing for an off-day (3 day lead time) but the escrow company was not able to complete their papers in time so they arranged a late evening signing at the title company two nights later. Of my four mortgages, this was the easiest of all. We will use Kiel again for any future mortgage needs.