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Bye, Bye BAC
By Chuck Gibson
Just in time for “Bank Transfer Day“, my mortgage refinance completed Friday and I ran (not walked) as fast as I could away from the old one. While I am not tethered to any large financial institution in my personal life (I do actually practice what I preach), I am embarrassed to say my prior home loan was with BAC. I have done everything I could for the past 3 years to refi but since 2008 and up until recently, super jumbo mortgages were as rare as hen’s teeth. I can say that my experience with BAC was wretched and went so far they actually threatened to not only affect my credit score (which is over 800) but also affect my access to credit just because of my inquiry to find who actually held my loan (BAC or MERS). At that point I received their letter, I realized I was dealing with someone who would stop at nothing to make their point or get what they wanted. I have no vendetta against BAC, I just don’t want anyone else to get involved with a company who has only their own self-interest at heart. As such and mostly out of dumb luck, I am in complete solidarity with this weekend’s Bank Transfer Day.
