No hassle and nothing unexplained. Everything is laid out clearly and honestly. Impressive response time and follow through. thank you Jennifer, Athena, and Katrina.
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Working with AIM Loans on a straight refi, no cash-out, nothing strange, just reduce the rate, reduce the term, was an unbelievable experience. The lock period was extended once because the appraisal took two weeks (can't blame AIM, it was probably the appriaser's fault) to come back. However, after all the paperwork was signed off and returned, with thousands wired to AIM for closing costs, AIM decided there was something not to their liking and that one unnecessary form wasn't signed -- claiming we were in a PUD, which we aren't. Trying to prove a negetive to AIMs satisfaction took hours of time over three weeks for AIM to sort this out. There was another extension to the lock and another round of paper signing, then another ten days before the loan finally closed. I have family with decades of experieince in the real estate business and none of the mortgage brokers we know of have ever experienced or even heard of something like this taking place. The CSR, who we dealt with was pleasant enough, but seemed unable to impact the underwriting department. Plus AIM takes full advantage of being a California-based "dry funding" rules, which means that while you have 72 hours to rescind, they can take their own sweet time to actually pay out the loan. I'd suggest paying the extra 1/4 point and going with a more reputable and reliable bank.