refi: am I doing it wrong?

[cyber888]

B of A is one of the most inefficient institutions. I was trying to sell a house and my buyers had to postpone closing time because BofA just could not finish documents in time for closing. Their reason - the processor was on vacation and nobody could replace her. I was thinking of doing refi with them, but I have second thoughts.

[Bamaman]

Since the real estate blowup and the bank problems of 2008, large and small banks are afraid of their shadows. They ask all kinds of stupid questions on front end--in case bank examiners ask them something. It's almost like they're looking for a reason NOT to do business instead of being in business to do business. And they're not changing as the years go on.

And I could tell you some good stories about a bank with B and A in their name. They've been closely watched after their producing some really poor r/e portolios.

There are so many other sources of real estate financing out there. I always suggest having a personal relationship with credit union managers as they're often so much easier to do business with.