Pleasant and competent to deal with…BUT… I applied for a refinance in April when rates were near an all time low.
Amerifund Lending Group promised 3.375 rate & an APR of 3.464 with a 45 day rate lock.
I got all my paperwork in to Amerifund within 24 hours!
They dragged things out for 117 days till rates were significantly higher. With fees for rate lock extensions the loan finally closed at 4% APR.
They blamed it on Fannie Mae, and the form the appraiser used…and in the end…claimed “Fannie Mae made an exception” to accept the appraisal… Thats BS, Fannie Mae doesn’t make “exceptions” and the appraiser was correct in the form he used. ….but I believe Amerifund or the underwriter purposefully stalled the process as rates were raising rapidly.
I feel like I was manipulated. It was a long process with too much drama.