**update : after posting this review, ratehub reached out via rep Tawer Daniel who, after reviewing my file, offered his apologies and some compensation for the inconveniences experienced during my interactions with ratehub. he assured these issues, though isolated, do happen, but that proactive communication is one of their core goals and they will continue to strive to do better. I was able to lock in a great 5 year rate, though canwise/rate hub was not my ally in the process. Ratehub/canwise state one of their service goals to strive for is ‘proactive communication’. During the paperwork process (after locking in a rate but before signing anything final), the rep assigned to my file ended his employment with the brokerage for one reason or another. I was obviously not aware, and called for nearly 3 weeks leaving multiple messages per week requesting any sort of callback or direction. Finally I received correspondence from my new rep who updated me on what had happened. This rep caught me up over 2 days before ghosting me as well for another 2 weeks. I honestly thought I’d enrolled into some sort of mortgage scam. Finally, within the final week before the deadline to start the new mortgage, my new rep advised me several documents I ‘had not submitted’ would be required before being able to proceed. Over multiple of these calls in that last week, I was required to reference emails where I had indeed already submitted the requested paperwork, but my rep had either ‘not seen it’ or, after inspection, an obscure issue would come up with it requiring resubmission. No answer could be given for why these issues hadn’t been brought up (or ‘communicated proactively’) when asked, only that it needed to be done. My mortgage was eventually completed, though not without much anxiety and headache. I am thankful for the rate I was able to grab (3.85), but I wouldn’t say ratehub/canwise did a single thing to earn my loyalty in the process. If given a better or equal rate somewhere else, I’d have taken it.