[SLOW_V]

A few years ago when Countrywide bought my loan. I found it annoying when the grace periods aren't grace periods. They will call you everytime you don't make payment by the first of every month. Their policy is to call you to make sure you will be making a payment that month. I find it funny that they are pretty firm on asking what date you will be making it. Even though, I'm never late with my house payments.

What is worst then Countrywide is Wellsfargo. They will try to sell you everyone of their services to you and always call your home every night about some offer. It is up to the point where I just change my #.

The other thing about them and most of the mortgage companies are that if you want to start making bi-weekly payments there is a fee..called start up fee. It isn't cheap.