[Halon]

That house is financed through TCF, and we went there and asked them about refinancing and they said they wouldn't even consider it if we owed more than it was worth. If you know a way we might be able to, hell yeah I'm all for giving it a shot. I'll give you a buzz for sure, thanks!

As for our WF experience, yeah a lot probably had to do with our loan agent being MIA a lot. But funny thing is of the 4 we spoke with when shopping for a mortgage, she was the best. But once they locked us in, they stopped answering the phone. We would get tons of emails from random different "departments" asking for the same info, pay stubs, etc over and over, it became obvious that none of them must work in the same building, none of them spoke to each other, things just did not flow well. They stopped answering their phones. I had to track down a random admin office of theirs on my lunch break to talk to them and get them to realize they were going to delay our closing. Was extremely frustrating. Just felt like they were a big company and we were not important. Moving all of our money out of there and into some sort of local small bank/credit union is on our to-do list now.