Dear US Bank Mortgage

[Deleted]

Fvck you and the idiots you have working for you.

Signed,
Your soon to be ex-customer

I came to work today to an email (she obviously emailed me after hours at work vs my home email on purpose) saying that they would require $3500 more for me to close on my refi. The refi I applied for in JUNE....f'ng JUNE and they were the ones that calculated the original amount I needed to pay the balance to. But now someone else is interpreting the rules-incorrectly. I've seriously gotten 7-8 different GFE's from these idiots. I think they are doing this because I complained about the loan officer's lack of knowledge regarding the FHA refi program to her manager.
I've had enough. I called a different lender (GBCN recommended) this morning and they are sending me a GFE and can close within 30 days. The guy actually seemed very knowledgeable as well.

The sad part is that I used to be a loan officer. I NEVER once sent out documents that were incorrect. I would have been fired. If I did that at my job now, I'd be fired.

I'd also love it if a local news station did an investigation of just how hard banks are making it for anyone to refi even though the government programs were made for people like me. They are trying to interpret the rules in ways which make it impossible for you to get a refi done.

[Deleted]

Ok..sorry for the harsh language--I'm venting and very frustrated obviously.
I hope someone else has been able to get good customer service from them, but in my personal experience, they deserve it.
If someone on here works there-my condolences.

[Cheerio]

I refi'ed through US Bank Mortgage last October and I had many of the same feelings. I ended up having to sell the house and move in January and had to pay a $500 pre-payment penalty, but I'm glad I'm done with them.

[atouchofklasse]

I had an excellent experience, but our loan officer was a superstar.

[Deleted]

Oct 5, 2012 9:20:11 GMT -5 atouchofklasse said:

I had an excellent experience, but our loan officer was a superstar.

You refi'd with US Bank? What state are you in?

[Ashley&Scott]

Our refi with WF is set to close next week...115 days after we applied. :/

[jlt19]

I have a question about the long refi timeline that's going on. Our rate is locked untl Dec 1. The LO said we should close by Thanksgiving, but if we don't, and rates are up at that time, do we get screwed b/c they took forever?

[Deleted]

We tried to refi with US Bank a few years before we sold our house. It was a nightmare. In fact, I pretty much just told them to trash the paperwork and forget about it. They only did that because I'm within driving distance of their mortgage headquarters and told them I was taking the day off work to drive down there and talk to someone in person. No one wants to see an enraged person in person. lol

[whitepicketfence]

That sounds so frustrating. I'm sorry that you've had such a difficult time with your refi. I hope the new lender comes through for you. You deserve it after all the crap you've dealt with.

As an aside, we initially had problems with our refi. Our mortgage was through our credit union and they majorly dropped the ball when we wanted to refi through them. We then used a mortgage broker to help us find a new lender and as it turns out, the new lender is fabulous. We closed in under 30 days.

[dutchgirl678]

Ugh, so frustrating. We refid with US Bank in 2009 and I was just about to call them again to see if we can refi again. This story makes me hesitate a bit. But we owe a little bit more on our house than it is worth right now, so I'm not sure we could refi with anyone else. What recommendation had you gotten over here?

[AAM2012]

Call quicken loans. They work quick...like within 30 days quick.

[grosnl19]

Oct 5, 2012 9:12:02 GMT -5 flygirl said:

Fvck you and the idiots you have working for you.

Signed,
Your soon to be ex-customer

I came to work today to an email (she obviously emailed me after hours at work vs my home email on purpose) saying that they would require $3500 more for me to close on my refi. The refi I applied for in JUNE....f'ng JUNE and they were the ones that calculated the original amount I needed to pay the balance to. But now someone else is interpreting the rules-incorrectly. I've seriously gotten 7-8 different GFE's from these idiots. I think they are doing this because I complained about the loan officer's lack of knowledge regarding the FHA refi program to her manager.
I've had enough. I called a different lender (GBCN recommended) this morning and they are sending me a GFE and can close within 30 days. The guy actually seemed very knowledgeable as well.

The sad part is that I used to be a loan officer. I NEVER once sent out documents that were incorrect. I would have been fired. If I did that at my job now, I'd be fired.

I'd also love it if a local news station did an investigation of just how hard banks are making it for anyone to refi even though the government programs were made for people like me. They are trying to interpret the rules in ways which make it impossible for you to get a refi done.

Who did GBCN recommend. We have WF and are looking into refinancing, if they don't come through I need alternatives.

[Deleted]

I called Quicken Loans after a lot of people here said they had good experiences. I've already emailed the guy I talked to this morning 2x with a couple of questions and he's responded within an hour. He also can spew back accurate numbers without having ME tell him what they should be.

I have also been corresponding today with my LO at US Bank, and basically she provided me with incorrect data from the beginning and thats why its all botched up. But in her email she said "OUR" meaning mine and her mistake. Whatever--I'm over her. I should have gone to someone else in July when I initially started having issues with her and her boss basically told me to f' off and thats how things are done. I knew I would totally get screwed over in the end...I should have trusted my gut.

[MrsManners]

We are going through the exact same thing with them...since April. Every single thing, including my legal name, has been wrong twice on closing day and we've had to reschedule. At the end of August, when we still hadn't closed, I also applied with Regions Bank. They have everything done, approved and ready to close Monday. US Bank still doesn't know. I'm going to let them keep working on mine and tell them when they call to schedule. They are the worst company I've ever tried to do business with and I can wait to give them the finger.

[MrsManners]

Oct 5, 2012 11:39:13 GMT -5 flygirl said:

I called Quicken Loans after a lot of people here said they had good experiences. I've already emailed the guy I talked to this morning 2x with a couple of questions and he's responded within an hour. He also can spew back accurate numbers without having ME tell him what they should be.

I have also been corresponding today with my LO at US Bank, and basically she provided me with incorrect data from the beginning and thats why its all botched up. But in her email she said "OUR" meaning mine and her mistake. Whatever--I'm over her. I should have gone to someone else in July when I initially started having issues with her and her boss basically told me to f' off and thats how things are done. I knew I would totally get screwed over in the end...I should have trusted my gut.

I talked to Quicken too and they were awesome about responding, answering questions and having accurate figures. We ended up going with the guy at our local regions bank only because Quicken couldn't match Regions rates/fees.

[Deleted]

Oh, and to add to my hate of US Bank, when Countrywide sold our mortgage to them we somehow got listed as living in another county. The town we lived in was in two different counties, and they put us in the wrong one, and also somehow paid our property tax to the wrong county, which caused a massive mess and I had to take an entire day off work to get shit notarized and recorded and all kinds of crap. It was insane. I still have no idea how they managed to royally fuck up something so simple.

[jackie011]

I'm so glad the idiot from US Bank never returned my call after 3 days of phone tag. (When I tell you I'm available after 5 each day, don't call at 4:15, say "I know you said to call after 5" and then never, ever, ever answer your phone even when I call at 4:56, when you say you'll be in the office until 6) So, went with a friend's recommendation and we're set to close in November.

[UMaineTeach]

USBank holds our mortgage. I hope nothing goes wrong in the next 27 years.

[mmp]

Oct 5, 2012 10:02:25 GMT -5 jlt19 said:

I have a question about the long refi timeline that's going on. Our rate is locked untl Dec 1. The LO said we should close by Thanksgiving, but if we don't, and rates are up at that time, do we get screwed b/c they took forever?

I just locked in with Bank of America at 3.75%. They said if it goes beyond the 90 days they will still honor my rate at no cost to me.

[Ashley&Scott]

Oct 5, 2012 10:02:25 GMT -5 jlt19 said:

I have a question about the long refi timeline that's going on. Our rate is locked untl Dec 1. The LO said we should close by Thanksgiving, but if we don't, and rates are up at that time, do we get screwed b/c they took forever?

WF is honoring the rate we locked in June.