Pros
The most impressive thing about Pinnacle Capital is their products and benefits. Many products, including both 203Ks and an entire department to process them, future income, 7 jumbo programs, non-QM, and many others. Their bennys are also good, great, reasonably priced health care, and a strong 401k match. Our doc and funding departments are consistently great. Underwriting is generally good but we have a few UWs who consistently make things more difficult than necessary for our borrowers, however there's going to be at least one stinky underwriter in most companies.
Cons
Documentation. From what I can see Pinnacle/Finance of America require as much documentation as any lender and more than most, and with all that documentation our rates are still average at best.