Don't waste your time trying to refinance your mortgage with this bank.The mortgage underwriting department is very difficult to deal with and do almost everything they can to make your loan fail. They did not accept the first third-party appraisal amount ($295k), which I paid for, and NASB had a second appraisal done ($250k) with no visit to the property. They only accepted the low number, no middle ground. They also ask too many personal questions and require everything under the sun accept a picture of my wife. My credit is 775 and I had $100k cash in the bank. No risk.
By the way, they will pull all this nonsense 1 or 2 days before closing. Lastly, they told me they are just going to resell my loan in 2-3 months.
Just another example of a shady bank. Stay away!
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