If you thinking of using EBS to get a mortgage let me save you the time and hassle and avoid them at all costs - they clam to great with helping you get a mortgage etc but lets just say they just suck the life out of you and make the entire prosses wishing you never set foot in an EBS bank branch in the first place.
A total nightmare from the very start and constant delays were someone on a power trip in an office made it total hell.