Oct. 27 2009 I called in to get a payoff letting BOA know that quicken loans just approved me to get out of my 7.7% mortgage to a new fixed rate at 5.1/8%. The rep from BOA said he also had a program to lower payments. After answering his questions he said I was approved for a lower payment. Two days later a letter arrived from fedex and said make this new payment. After 2 months my credit score dropped to below 600 and it took 6 months to reverse this. Today I'm still trying to refi with them Boa and now there are stalling. They did this for greed of goverment money and to get my old Countrywide loan off there books so it can be sold as a government backed security.