The following story is almost entirely true. The name of the bank has been changed to protect the stupid.
We recently were able to refinance our mortgage. We were able to turn our 30 year mortgage into a 15 year mortgage, and pretty much keep the same monthly payment. We are totally stoked about this, as you can imagine. The only thing we weren't stoked about was the company we refinanced with, Goliath National Bank. The main reason we weren't real happy with them was because they were terrible, in all regards. And that's putting it lightly!
They did everything horribly. Their customer service was awful. They dragged their heels on getting the proper info required, and then blamed us. Their slowness caused the closing to be pushed back from late September to early October, and then they didn't tell us not to make our regularly scheduled October mortgage payment, causing us to get charged an extra $25, since our payment made the overall numbers change. And they wouldn't cover the $25 fee, even though it was their fault.
We finally closed on the deal last week after yet another delay, and luckily, the only person who came to the closing was from a third party title company. I think if anyone from Goliath National Bank had showed up, my wife might have committed justifiable homicide. And I would have helped hide the body.
Other than the fact they are completely horrible to work with, I'm sure Goliath National Bank is a real fine company. Just don't mention their name around my wife for a few years, ok?