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