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[quote=Anonymous][quote=Anonymous]Find a smaller bank that can everything IN HOUSE.  The big banks are terrible for customer service and getting things done on time - plus nothing but trouble for things like appraisals, etc., where you need a connection to a local person who knows our market.  [/quote]

Poster that said they both suck.  USAA, Pen Fed and Navy Fed all usually have the best rates.  Most end up selling the mortgage so the lower rate and fees is far more important than initial upfront customer service.  We used USAA for our initial mortgage.  Minor issues, mainly they promised us insurance but after reading the house inspection they refused (we did an information only report that sounded much worse than it was as we asked to identify every little thing so we knew what we were getting into/estate sale) and had to initially go to another company and then switch back (funny, then they did not ask for proof of repairs)  We just refinanced with Pen Fed about a year ago.  Got a great rate but the customer service was terrible.  Appraisal was fine.  They lost our documents and we had to redo them (with our social security numbers and all personal documents) and there was no apology and they were clear they did not care.  They closed even though the numbers were wrong and it took months to get corrected (a few numbers were off and they demanded we close anyway and they'd fix it but didn't).  It was a mess.  Now it is fine.  USAA has a clause they do not sell the mortgage but ours was sold twice.

The smaller banks we tried were much more expensive. [/quote]

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