I HAD A LOAN WITH A HIGH INTEREST RATE WITH COUNTRYWIDE AND TRIED TO REFINANCE// THEY DENIED ME// THEN WAS ABLE TO REFINANCE WITH A BROKER WITH AN FHA LOAN FOR A 30 YEAR FIXED RATE OF 6 1/4 PERCENT//// I HAD TO PAY A HUGE PRE PAYMENT PENALITY OF OVER 5000.00 DOLLARS TO COUNTRYWIDE TO DO IT// THEN COUNTRYWIDE BOUGHT THE LOAN IMMEDIATELY BACK FROM THE BROKER THE DAY AFTER CLOSING// HERE THEY DENIED ME AND WANTED TO KEEP ME AT THE HIGHER INTERST RATE BUT THEN THEY ACCEPTED THE LOWER LOAN FROM THE BROKER STEALING MY 5000.00 DOLLARS/// AND MY MORTGAGE COMPANY WAS COUNRTY WIDE AND STILL IS LEAVING ME OUT 5000.00 DOLLARS AND NEGATIVE EQUITY IN MY HOME// ITS PRACTICES LIKE THIS THAT COUNRTYWIDE DOES TO KEEP PEOPLE TIED TO THEM NO MATTER WHAT IT COSTS THE CONSUMER// THEY HAVE FAILED TO ANSWERE MY CURRENT LETTERS I HAVE SENT THEM AND FAXED THEM AND THE BANK COMMISSIONER FROM PA ALSO SENT THEM A LETTER THAT THEY HAVE NOT RESPONDED TO// THEY ARE THE ROOT CAUSE OF PEOPLE LOOSING THEIR HOMES AND BEING IN FINANICAL TROUBLE.....