- This topic has 70 replies, 9 voices, and was last updated 15 years, 2 months ago by
davelj.
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September 12, 2009 at 5:44 PM #455890September 12, 2009 at 5:57 PM #456502
jpinpb
ParticipantIf you have the time, sue. They’re counting on people not bothering. Maybe try for class action. Who knows how many other people they’ve pulled this crap on.
September 12, 2009 at 5:57 PM #456695ParticipantIf you have the time, sue. They’re counting on people not bothering. Maybe try for class action. Who knows how many other people they’ve pulled this crap on.
September 12, 2009 at 5:57 PM #456430ParticipantIf you have the time, sue. They’re counting on people not bothering. Maybe try for class action. Who knows how many other people they’ve pulled this crap on.
September 12, 2009 at 5:57 PM #455900ParticipantIf you have the time, sue. They’re counting on people not bothering. Maybe try for class action. Who knows how many other people they’ve pulled this crap on.
September 12, 2009 at 5:57 PM #456095ParticipantIf you have the time, sue. They’re counting on people not bothering. Maybe try for class action. Who knows how many other people they’ve pulled this crap on.
September 12, 2009 at 9:10 PM #456115Oxford
ParticipantI had the same shit from BOA for my loan. I finally ripped my loan guy a new one this past Friday for his shoddy handling of my loan and doc requests. I had provided all doc requests within hours and at the last minute they asked for more. If the loan is not at Escrow my noon Monday… it’s ballistic time.
These guys are idiots. The rate was good. But they are all over the place and could care less if you a being charged $100 a day late fees for closing.
I can’t wait to put all this house buying crap behind me.
ox
…done with Bank Of Ass*****September 12, 2009 at 9:10 PM #456522ParticipantI had the same shit from BOA for my loan. I finally ripped my loan guy a new one this past Friday for his shoddy handling of my loan and doc requests. I had provided all doc requests within hours and at the last minute they asked for more. If the loan is not at Escrow my noon Monday… it’s ballistic time.
These guys are idiots. The rate was good. But they are all over the place and could care less if you a being charged $100 a day late fees for closing.
I can’t wait to put all this house buying crap behind me.
ox
…done with Bank Of Ass*****September 12, 2009 at 9:10 PM #456450ParticipantI had the same shit from BOA for my loan. I finally ripped my loan guy a new one this past Friday for his shoddy handling of my loan and doc requests. I had provided all doc requests within hours and at the last minute they asked for more. If the loan is not at Escrow my noon Monday… it’s ballistic time.
These guys are idiots. The rate was good. But they are all over the place and could care less if you a being charged $100 a day late fees for closing.
I can’t wait to put all this house buying crap behind me.
ox
…done with Bank Of Ass*****September 12, 2009 at 9:10 PM #455920ParticipantI had the same shit from BOA for my loan. I finally ripped my loan guy a new one this past Friday for his shoddy handling of my loan and doc requests. I had provided all doc requests within hours and at the last minute they asked for more. If the loan is not at Escrow my noon Monday… it’s ballistic time.
These guys are idiots. The rate was good. But they are all over the place and could care less if you a being charged $100 a day late fees for closing.
I can’t wait to put all this house buying crap behind me.
ox
…done with Bank Of Ass*****September 12, 2009 at 9:10 PM #456715ParticipantI had the same shit from BOA for my loan. I finally ripped my loan guy a new one this past Friday for his shoddy handling of my loan and doc requests. I had provided all doc requests within hours and at the last minute they asked for more. If the loan is not at Escrow my noon Monday… it’s ballistic time.
These guys are idiots. The rate was good. But they are all over the place and could care less if you a being charged $100 a day late fees for closing.
I can’t wait to put all this house buying crap behind me.
ox
…done with Bank Of Ass*****September 12, 2009 at 9:38 PM #456120HLS
ParticipantWhy do people fall for this crap ?
Shop by rate and you will find the biggest liar.Dave,,,
I know that you know the industry, how could you be so foolish ?
What makes you think that an desk worker at a credit union has any more responsibility than a bank employee.
I continue to be amazed that otherwise intelligent people fall for the belief that “banks & CU’s” are giving away loans for free and using a mortgage broker is going to cost them more.Cont..
“that Federal good-faith ESTIMATE form…specifying the terms originally agreed to”
Is there some misunderstanding about what the word ESTIMATE means ?? Have you ever read the print on a GFE that CLEARLY STATES these are ESTIMATES and your actual costs may be higher or lower.For everybody who shops by rate and thinks that they know how to get the lowest rate and are finding the cheapest place to get your loan, you will probably end up with the biggest liar.
Dave, I probably could have completed your loan in 30 days or less at the same price you paid BofA.
And it means ABSOLUTELY NOTHING that a current loan is being serviced by a bank. Unless the old loan was an ARM, they probably didn’t own the loan and don’t give a crap about you and it doesn’t make an ounce of difference.
A new loan is a new loan and requires a complete new submission. Servicing the payment is not the same as owning your loan.For 15 & 30 YR Fixed loans, banks are nothing more than mortgage brokers with the same underwriting guidelines.
Why are so many intelligent people so stubborn and foolish ?? Why don’t people want to listen to the truth ?
30 YR rates are available down to 4.25% with a cost again at the moment, if you qualify.
Warms my heart when I hear how great the service is from my competition. Shop for the person to do your loan and you might get the right rate along with service if you know how to shop…. Shop for the lowest rate and refer to the original post of this thread for what you can expect.
September 12, 2009 at 9:38 PM #456454ParticipantWhy do people fall for this crap ?
Shop by rate and you will find the biggest liar.Dave,,,
I know that you know the industry, how could you be so foolish ?
What makes you think that an desk worker at a credit union has any more responsibility than a bank employee.
I continue to be amazed that otherwise intelligent people fall for the belief that “banks & CU’s” are giving away loans for free and using a mortgage broker is going to cost them more.Cont..
“that Federal good-faith ESTIMATE form…specifying the terms originally agreed to”
Is there some misunderstanding about what the word ESTIMATE means ?? Have you ever read the print on a GFE that CLEARLY STATES these are ESTIMATES and your actual costs may be higher or lower.For everybody who shops by rate and thinks that they know how to get the lowest rate and are finding the cheapest place to get your loan, you will probably end up with the biggest liar.
Dave, I probably could have completed your loan in 30 days or less at the same price you paid BofA.
And it means ABSOLUTELY NOTHING that a current loan is being serviced by a bank. Unless the old loan was an ARM, they probably didn’t own the loan and don’t give a crap about you and it doesn’t make an ounce of difference.
A new loan is a new loan and requires a complete new submission. Servicing the payment is not the same as owning your loan.For 15 & 30 YR Fixed loans, banks are nothing more than mortgage brokers with the same underwriting guidelines.
Why are so many intelligent people so stubborn and foolish ?? Why don’t people want to listen to the truth ?
30 YR rates are available down to 4.25% with a cost again at the moment, if you qualify.
Warms my heart when I hear how great the service is from my competition. Shop for the person to do your loan and you might get the right rate along with service if you know how to shop…. Shop for the lowest rate and refer to the original post of this thread for what you can expect.
September 12, 2009 at 9:38 PM #455925ParticipantWhy do people fall for this crap ?
Shop by rate and you will find the biggest liar.Dave,,,
I know that you know the industry, how could you be so foolish ?
What makes you think that an desk worker at a credit union has any more responsibility than a bank employee.
I continue to be amazed that otherwise intelligent people fall for the belief that “banks & CU’s” are giving away loans for free and using a mortgage broker is going to cost them more.Cont..
“that Federal good-faith ESTIMATE form…specifying the terms originally agreed to”
Is there some misunderstanding about what the word ESTIMATE means ?? Have you ever read the print on a GFE that CLEARLY STATES these are ESTIMATES and your actual costs may be higher or lower.For everybody who shops by rate and thinks that they know how to get the lowest rate and are finding the cheapest place to get your loan, you will probably end up with the biggest liar.
Dave, I probably could have completed your loan in 30 days or less at the same price you paid BofA.
And it means ABSOLUTELY NOTHING that a current loan is being serviced by a bank. Unless the old loan was an ARM, they probably didn’t own the loan and don’t give a crap about you and it doesn’t make an ounce of difference.
A new loan is a new loan and requires a complete new submission. Servicing the payment is not the same as owning your loan.For 15 & 30 YR Fixed loans, banks are nothing more than mortgage brokers with the same underwriting guidelines.
Why are so many intelligent people so stubborn and foolish ?? Why don’t people want to listen to the truth ?
30 YR rates are available down to 4.25% with a cost again at the moment, if you qualify.
Warms my heart when I hear how great the service is from my competition. Shop for the person to do your loan and you might get the right rate along with service if you know how to shop…. Shop for the lowest rate and refer to the original post of this thread for what you can expect.
September 12, 2009 at 9:38 PM #456527ParticipantWhy do people fall for this crap ?
Shop by rate and you will find the biggest liar.Dave,,,
I know that you know the industry, how could you be so foolish ?
What makes you think that an desk worker at a credit union has any more responsibility than a bank employee.
I continue to be amazed that otherwise intelligent people fall for the belief that “banks & CU’s” are giving away loans for free and using a mortgage broker is going to cost them more.Cont..
“that Federal good-faith ESTIMATE form…specifying the terms originally agreed to”
Is there some misunderstanding about what the word ESTIMATE means ?? Have you ever read the print on a GFE that CLEARLY STATES these are ESTIMATES and your actual costs may be higher or lower.For everybody who shops by rate and thinks that they know how to get the lowest rate and are finding the cheapest place to get your loan, you will probably end up with the biggest liar.
Dave, I probably could have completed your loan in 30 days or less at the same price you paid BofA.
And it means ABSOLUTELY NOTHING that a current loan is being serviced by a bank. Unless the old loan was an ARM, they probably didn’t own the loan and don’t give a crap about you and it doesn’t make an ounce of difference.
A new loan is a new loan and requires a complete new submission. Servicing the payment is not the same as owning your loan.For 15 & 30 YR Fixed loans, banks are nothing more than mortgage brokers with the same underwriting guidelines.
Why are so many intelligent people so stubborn and foolish ?? Why don’t people want to listen to the truth ?
30 YR rates are available down to 4.25% with a cost again at the moment, if you qualify.
Warms my heart when I hear how great the service is from my competition. Shop for the person to do your loan and you might get the right rate along with service if you know how to shop…. Shop for the lowest rate and refer to the original post of this thread for what you can expect.
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