I applied for a refinance loan with Countrywide at the end of March of 2008. After completing the application process and paying $400 for an apprasial, they told me everything was set, and my loan was approved and underway, with no out of pocket closing costs. I waited 3 weeks to hear from them regarding a closing date, and I came to find out that my agent was on vacation getting married. The manager that was supposed to take over my loan while she was gone never called me, even after my repeated phone calls (always getting voice mail). When she finally contacted me at the END OF MAY, she said that it turned out that I would need to pay almost $5000 at closing, oops. Needless to say I am disgusted, and will NEVER use Countrywide for ANYTHING, and will encourage my friends and family to do the same.