Never have I been treated so oddly, and so rudely by a business. I am actually freightened of this lender -- as in they may do something to cause my famully harm Here is teh odd (and "have too much time" ) email they sent. I was so polite to this man -- he just was like a bloodhound on a scent.

(her is his mail to me)

C. K.
I hope you choose to read all of this !


If you refi in 5 years what would be the point ? You told me yourself that you ‘’ Don’t need cash “ ‘’ and you don’t have ANY financial needs ‘’

So if you are in a perfect spot as far as money is concerned Why would you refi now and then refi again in 5 years ???? Does not make much sense ? No matter what the statics say !

These are the cold hard facts ! The numbers don’t lie at 3.875 % on a 10 year loan with bi weekly payments you can own your home in 8 years in 2 months saving you 57, 648.00 in Payments !!
( that is 1201.00 your current payment X 12 = 14, 412.00 X 4 years for a total of 57, 648.00 )

By being secure in your Financial position and you don’t need the money why not save 50k + in payments and over 50k + in interest ? This is a better rate then you have now 3.875 & on a shorter term 10 year fixed !
We also DON’T need an appraisal so there is NO out of pocket cost to you.

What would be the purpose to refi again in 5 years if you don’t need the money and you will own your home in 8.25 years ?


On a side note I thought I would take a second out of my day to explain myself and give you some feedback on how you came across. I was not doing anything to push you into a loan all I wanted to do was ask you a few questions so maybe I could shed some light on why this would be a GREAT opportunity for your family to take advantage of a 3.875 % rate on a 10 year fixed loan. I laid this out above and if you still were not interested I would have thanked you for the opportunity to earn your business and kindly move on…..

BUT Instead of that happening you treated me like I was a kid in your class that did not deserve any of your respect, after I worked up several options at your request and came in on Saturday to go over them! Also I have not heard back from you since I sent my break down email I thought to call you today because maybe the week days are a little crazy to do business since you do have a very important job in educating our youth. So instead of giving me any respect you choose to speak over me and hang up the phone up as if you did not ask for this information by applying on line ?? If I recall correctly I did not cold call your home as a telemarketer I responded to your request for information Correct ? I pray that since you have a influence over our youth you’re not teaching them this is an acceptable way to treat people. You must think your off the hook by saying things in a kind manner no matter how you say it, it’s not ok to hang up on someone that you asked for information from. Furthermore by not allowing me to speak my piece (that maybe would have taken 3 min’s of your time worst case) it’s clear to me that you don’t look at people in my line of work as human beings that are trying to support a family working by working on a Saturday! I know since you hold a position as the school Liberian I must be a sleazy sales person Right ? Because if this is not the way you look at me I am little confused after the way I was treated on our phone call ??? What I must not be is man that really wanted to make sure you received the best Rates and best service by coming in Saturday to give you the best options. All I was hoping to accomplish was to come in today so I did NOT cut into your work week or cut into weekday family time because if its anything like my home the weekdays are tough to do anything. Your right now that I look back on it hanging up on me was the right thing to do don’t you think ?


Good Luck and God Bless I will be sending you a withdrawal email shortly since you have express no intention in doing business with us Thank you for your time !

I actually had a very good experience with Supreme Lending regarding their appraisal process, but I did want to post on this site because I had a negative appraisal experience at my local bank about a year ago.

Supreme Lending completed my loan really quickly and their appraisal was done by a very knowledgeable appraiser.

I wish I wouldnt have wasted my time at the bank last year, and would have just dealt with Supreme from the begining. that would have saved me a lot of money and headaches.