I had two mortgages with them I opened December of 2007. I paid off a big chunk of the big one in July and the small mortgage in full so I thought. I got letters telling me it was closed. In November I got letters to refinance. I called and they asked me for information which I faxed in within the hour and to have the house appraised which I had done 2 days later. I was told this was it. I waited several weeks heard nothing. I wrote and called back and got no response. I finally got someone to tell me they needed a new appraisal. They did not... read full review »