My wife and I used SFM to refinance our home of 10 years. They were able to get us a significantly lower interest rate on our mortgage, with zero closing costs out of pocket at all. I can't speak to their service for first time loans, but if goes anything like their refinancing process, you'll be in good hands.
I started the mortgage process with SFM before I really had any idea of what I could realistically afford. They explained everything as we went and even put me in contact with a couple of real estate agents who knew what I should be looking for. I closed on my home a month ago and I couldn’t be happier! Still amazed that they had a much lower rate that anyone.