Rant on an online mortgage company
With mortgage interest rates at historic lows the wife and I decided now was the time to refinance so I shopped around online, found a good rate with a company I had seen quite often. Thus begins the super headache.
We have been trying to get this done for 60 days, every couple of days we get another 'request' for additional paperwork, often it is for stuff we already sent in. Example: they wanted a photo ID (so they can identify you in a legal proceeding) so I sent a scan of my passport. 1 week later another request, I tell them I already sent one, couple days later "OK we found it, you're set" couple days after that I get another request for a photo ID, I send an email reply to the "We found it" they sent, reply "Please resend we can't find it". Then "Your 2 pay stubs are too old now, please send the latest 2 pay stubs".
Now they want the "original Power of Attorney", they say "Just send us 1 copy of the original" DUH how can you have multiple originals of a document. So wife sends the original, no good even though one section of the POA (multiple sections for every possible situation) states "All real estate transactions" not good enough, must be specific for this transaction at this location, so they email me their "specific" POA. All I have to do is sign and get notarized. Yea right, I am forward deployed at one of the smallest bases in Iraq, can't exactly run to the corner bank branch, JAG doesn't have a full time notary here, waiting to find out when a notary will be available.
This has been going on for over 60 days now :aargh4: Every couple of days there was new requests for documents, got so the wife hated opening her email, dreading the new document request, the new hoop to jump through.
Anyway, if anyone is looking to refinance and take advantage of the low rates, one word of advice to all here...
DO NOT USE Amerisave the worst bunch of disorganized, incompetent armatures I have ever had the misfortune to deal with. A gang of retarded baboons would be easier to deal with :aargh4:
Avoid Amerisave at all costs save yourself much anguish :mad: