I used to work for M&I Bank. I can tell you that some loans by our mortgage banker were "Liar Loans" and contained appraisal fraud. He no longer works for M&I Bank but one of those customers is now going into foreclosure even though he has tried since January to work with them to get a loan mod. He doesn't need much - just a little rate reduction in order to get him through this upside down market. He owes $750k when the home is only worth $350k. I know that sounds like a lot but when you think of what $350k would have bought in 2007, compared to today...well, you get the picture. The bank is insisting on a short-sale for $350k, and this guy is willing to do a loan mod for $600k AND THEY WON'T DO IT! Why are they insisting on losing $250k? I'll tell you why, write off of bad debt! This guy has written Senator McCain but you know how that goes. The house will be foreclosed and falling apart by the time any of our representatives get around to doing anything about it. He too has paid double payments, late fees, called, written, called & written...no phone calls back except to ask when he's going to pay; no emails, no help. And to those of you who say, "Make your payments then you won't be in trouble."; this guy was until they told him they would do nothing for him. By the way, he got into trouble while he was activated - serving our country - that includes M&I Bank. While activated, his income was cut tremendously, his family lived off of credit because his wife lost her job and now he gets no help! It sickens me to know that our countrymen/bankers act as if we are their enemy! I agree with all of you - stay away from M&I! Better yet, go back to cash and say to hell with all of the bankers.