Bank of America Mortgage

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Countrywide had very bad communication with us. They were given all of our deadlines for our home purchase, yet they continually missed our deadlines even when we called to remind them. Important papers were never mailed or emailed to us, like employees at Countrywide said they would be. We were actually told something was in the mail... we never received it! They took forever to get the appointment for the appraiser, which hurt us in the long run.

They gave us a "pre-qualification" for an FHA loan. That sat on their desk for three weeks before we decided to continue. When they actually tried to qualify us on that loan, we were told that we didn't qualify. Countrywide should have been educated about the qualifications of the loan when we first went in. So, we went with another loan. On the day before closing they had an appraisal done on our house. At noon they called to tell us that everything was going great, the appraisal come back with good numbers and we would be able to make the noon closing time for the next day. An hour later, Countrywide called back saying there were problems with our appraisal and we wouldn't be able to close the next day. We were told that we would now need to put more money down because the appraiser deemed our neighborhood a "soft market". Ultimately, Countrywide's lack of qualification, communication, quick response and truthfulness led us to seek another lender. Hopefully this deal isn't ruined for us!