I was about to use Kansas City but wound up using a local lender offering the same rate.
Kansas City was very helpful, had competitive rates, and replied to every message very quickly with exact answers to the questions I had. I was dealing with a guy named Jeff Smith.
Agreed on the amount. I am sure I dont have to tell you that you don't have to use all of what they offer you. As a rule of thumb, I tried to keep my total monthly payment (PITI-principle, interest, tax, insurance) to around 25% of my takehome.