North American Savings Bank / Refinance
Began refinance with NASB and they initially requested my charge card for an application fee. They then charged me for an appraisal unbeknownst to me and without authorization or disclosure. The Godd Faith Estimate provided stated the appraisal was a closing fee, not a pre-paid fee and after the apparaisal came back with the info on the property, NASB said they don't like "special properties" as mine has 47 wooded acres in a rural area...so no loan closed. Now I am trying to get my appraisal fee back. Also, they said they would lower the interest rate based on the 10 year treasury rate and when it got way down, NASB would not reduce my rate. They lied...do not work with these people for a refinance...period. You will hear everything you want and then poof, they won't loan you money. For those who doubt, understrand my FICO score is 795 and I make nearly $200K annually on a secure career...this was for a 250K loan!