After my husband (a retired, disabled vet) accepted a federal position in Birmingham, AL, we were very excited about the move and our new life. It took 3 months but we finally found the house we wanted. Having excellent credit (high 700's and 800's), no liabilities, we shopped and applied for a mortage loan with a wonderful rate of 4.25% and was assured there would be no problems. Everything went perfectly, a closing date was set for Dec 27th - that is until the underwriter with US Bank decided late in the day on Dec. 23rd to deny... read full review »