Simply put, I found them on Bankrate. They had the best rate and their loan officer got back to me quickly but then the story is quite familiar. - Once I signed the documents the customer service dropped off like a rock. - Closing was a mess. Loan package completely messed up. - New loan package conveniently did not include a $350 credit for appraisal - Closed January 2010 and still do not have my credit read full review »