I applied for a refinance o0f my countrywide loan mid march and my loan agent then went on maternity leave.. referred me to her manager. I had numerous questions to ask about charges and loan rate changes. I had been not given complete or accurate information upon my initial sign up process. I eventually went to the loan processor Josephine Pagliarulo when my numerous e-mails and phone calls went unanswered for weeks. She initially tried to help but could not answer my questions or get me to someone who could help because of bureaucratic... read full review »