TILA is a company that I had no prior knowledge about before hearing their many ads all over the radio.
This last month I was in a debate with myself trying to decide if I should pick BoA (currently holding my mortgage) or TILA for the refinance of my existing mortgage. I initially called TILA to see what the process of refinancing was like and if there were any costs associated with the process as well as the current rates. I spoke with a Senior Loan Officer named Jeff Amira. He answered all of my questions and gave me a breakdown using the current rates (even when only using the rough figures that I could provide him). He followed up every day or two asking if there were any further questions I had about the process and if there was anything he could do to help me better understand the process of refinancing.
During this time, I also spoke with a representative with BoA and asked similar questions. Throughout the process of speaking with the BoA representative, I ended up sending many phone calls that did NOT get responded to. After about 2 weeks of playing phone tag, I decided to give up on using BoA for my refinance.
I actually am scheduled to close my refinance using TILA tomorrow and I'm so glad I choose them! I worked with Jeff Amira throughout the entire process and I couldn't be happier in doing so. As the process went along, he was always available to answer questions via e-mail as well as the phone whenever questions came up (even late into the night!). If I thought there might have been a misunderstanding during the process, he made sure to correct it (as necessary) and provided answers as to why I thought there might be any misunderstandings.
TILA is a company I will be recommending to all of my friends who are looking to refinance their home mortgages and I would suggest others reading this use them too!
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