{"id":25,"date":"2011-02-23T21:21:47","date_gmt":"2011-02-24T02:21:47","guid":{"rendered":"http:\/\/blog.signalsguru.net\/?p=25"},"modified":"2011-02-23T21:21:47","modified_gmt":"2011-02-24T02:21:47","slug":"banks-behaving-badly-continued","status":"publish","type":"post","link":"http:\/\/blog.signalsguru.net\/archives\/25","title":{"rendered":"Banks Behaving Badly (continued)"},"content":{"rendered":"

See earlier post<\/a>.\u00a0 I finally told my loan agent I was going to visit his office to see if we could get some of these errors straightened out.\u00a0 He didn’t seem to be too enthusiastic about about me dropping by for a visit.\u00a0 In fact I couldn’t even get in the door.\u00a0 The main entrance was locked.\u00a0 I couldn’t get in until a lady at the front desk let me in, and then they gave me a badge.\u00a0 Odd.\u00a0 When I finally met my loan originator, he told me there was no need to for me to come by (we had been doing everything by email).\u00a0 He seemed to be sweating and nervous.<\/p>\n

My plan had worked, however.\u00a0 In response to my visit, he fixed (probably the night before) the swapped mortgage amounts.\u00a0 I don’t believe any of the other numbers had been changed.\u00a0 But at least I felt good enough to hand over the appraisal checks.\u00a0 A few weeks later, I received some more paper work with the loan amounts swapped again.\u00a0 Oh well, I guess you can only ask for so much.<\/p>\n

Then I waited.\u00a0 And waited.\u00a0 Nothing happened.\u00a0 I called and emailed.\u00a0 Nothing.\u00a0 When I did manage to get a response, it was only that the paperwork had not yet gone to underwriting.\u00a0 By this time I had received the appraisals.\u00a0 A few more weeks passed and it became clear that I was not going to settlement by the lock date.\u00a0 The rates had fallen slightly.\u00a0 I was wondering if NASA FCU was intentionally delaying to try and get a better rate for themselves.\u00a0 In any case I decided to try to negotiate a better rate.\u00a0 When I first asked about re-locking at the current rate displayed on their website, my mortgage agent called me at the end of the day with a sort of counter offer.\u00a0 He made me make\u00a0 decision immediately, so of course I didn’t have any time to run the numbers.\u00a0 I told him never mind.<\/p>\n

A few weeks later, when my rate actually had expired, I demanded a better rate (actually just lower points).\u00a0 To be continued.<\/p>\n","protected":false},"excerpt":{"rendered":"

See earlier post.\u00a0 I finally told my loan agent I was going to visit his office to see if we could get some of these errors straightened out.\u00a0 He didn’t seem to be too enthusiastic about about me dropping by for a visit.\u00a0 In fact I couldn’t even get in the door.\u00a0 The main entrance …<\/p>\n

Banks Behaving Badly (continued)<\/span> Read More »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[3],"tags":[],"_links":{"self":[{"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/posts\/25"}],"collection":[{"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/comments?post=25"}],"version-history":[{"count":1,"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/posts\/25\/revisions"}],"predecessor-version":[{"id":26,"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/posts\/25\/revisions\/26"}],"wp:attachment":[{"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/media?parent=25"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/categories?post=25"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/blog.signalsguru.net\/wp-json\/wp\/v2\/tags?post=25"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}