那位大侠帮忙把我这个贴转一下？# WaterWorld - 未名水世界
s*o
1 楼
想转到San Francisco 版和Living。我想问个问题，听说MITBBS是个达人汇聚的地方
所以就刚刚注册了个ID，没想到还不能发帖，所以请帮忙转一下
谢谢，节日快乐！
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Refinance complications--what are my options
I recently tried to refi with Citi. The process started in July and I locked
in a good rate. Now after 5 month I am still "waiting" for my loan to be
processed. My sense is that they don't want to honor the rate lock they
promised (essentially take my case as an "option" if rate goes lower, they
do refi at my locked rate, which is not a good rate anymore at the time of
closing, but they just drag on and not do anything if rate goes up, which is
the case)
Anyway, I am kind of angry right now as the whole thing dragged on for 5
month without any progress. I have excellent income and credit. They cannot
find any problem, so they still keep dragging things on.
I missed out refinance opportunities with other lenders, the loss here is
not quantifiable, but I have paid 600 for appraisal and I hope to get it
back. I don't want to deal with citi anymore.
Is there anything I can do? Is there anyone--regulatory agency etc--- I can
talk to? Is small claim court an option?
I have tried to talk to the banker who worked with me and tried to talk to
his boss, no real effect on anything.
Thanks a lot and happy holidays!
-----------------
所以就刚刚注册了个ID，没想到还不能发帖，所以请帮忙转一下
谢谢，节日快乐！
------------
Refinance complications--what are my options
I recently tried to refi with Citi. The process started in July and I locked
in a good rate. Now after 5 month I am still "waiting" for my loan to be
processed. My sense is that they don't want to honor the rate lock they
promised (essentially take my case as an "option" if rate goes lower, they
do refi at my locked rate, which is not a good rate anymore at the time of
closing, but they just drag on and not do anything if rate goes up, which is
the case)
Anyway, I am kind of angry right now as the whole thing dragged on for 5
month without any progress. I have excellent income and credit. They cannot
find any problem, so they still keep dragging things on.
I missed out refinance opportunities with other lenders, the loss here is
not quantifiable, but I have paid 600 for appraisal and I hope to get it
back. I don't want to deal with citi anymore.
Is there anything I can do? Is there anyone--regulatory agency etc--- I can
talk to? Is small claim court an option?
I have tried to talk to the banker who worked with me and tried to talk to
his boss, no real effect on anything.
Thanks a lot and happy holidays!
-----------------