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I am trying to refinance my house and I have just about had it up to here with the mortgage company. I have never had this many attempts to take me for a ride in my 27 tender years. And the sad thing is that this company is reputable, has won awards for customer service, endorsed by the BBB even.
I don't know if it's b/c I am female or if they do this to everybody but I think the loan officer has used every darn trick in the book to try to screw me out of money and get himself a better commission. He even tried to tell me today that a law that I knew existed did not. Thank god for 24 hour internet access so that I could quote the date and wording of the law to him.
If it wasn't for the fact that I had a lock a great rate, I'd be out the door. But now it turns out that I might not have that lock due to a paper error (oh, he was very apologetic and this only came out after he tried to sell me on a loan at a rate a percent and a half higher and I refused).
Argg! If it's this bad with a "good" company, then I would like to know what idiot gets there mortgage through a company that sends them a spam email, and is, IMHO, a disreputable company.
Loan approved, just need to get appraisal going, then lock in when ready etc.
The guy is never in the office. We have been playing phone tag over a week. Last Friday I left a message. Called again yest and left voice mail. He missed me at lunch time today, saying he'd be in all afternoon. I called at 1:30 (still out) and again at 3:00 (on phone.) About to take my money somewhere else.
I got the appraisal in my own name, with the agreement that the appraiser would "transfer" it into whatever mortgage company's name I wanted, so none of the mortgage companies could keep the appraisal. I told all of them what terms the competitors were offering, and basically made them all beg for it.
It was still a major PITA, and I don't plan on ever doing a re-fi on this house again, but I didn't get absolutely RIPPED OFF like I did on my first mortgage, when I just went through the first local mortgage company that said they could handle it.
It's easier to bully people you're not sitting across a table from. The internet has been a blessing to those of us who can write well, but hate face-to-face confrontation. :)
lawman
