<p>OK, Chocoholic - I’m sorry - I didn’t know that GM and some of the other companies you mentioned did home mortgages. But when I just ran a Google search for “Fleet mortgage” all I come up with is page after page of lawsuits and complaints against them initiated by state officials and agencies-- so maybe their practices are a little shady. I don’t know whether the lawsuits are valid of course - just that it’s something of a red flag if the attorney generals of various states are going after the company. </p>
<p>I would like to say one thing. I do NOT ever talk to anyone who calls me to try to sell a mortgage or refinance – I mean, I am always getting emails and phone calls, even though my phones are all on the federal do-not-call registry - and I refuse to talk to them – even during the past month when I was in fact refinancing, I wouldn’t talk to the telemarketers. ( I am bringing this up because one of the complaints I saw against Fleet concerned its telemarketing practices.)</p>
<p>I’d like to note that I got a good deal on a refinance by getting a written quote from a local mortgage broker, and then faxing that to my exising mortgage holder – their own mortgages are offered at a somewhat higher rate, but they offered to match whatever I was offered, including the fees quoted for various closing costs. For example, the mortgage broker quoted me $200 for an appraisal - the charge would have been about $350. So basically, I am doing an entire refinance with the company that already has my loan – because of this, I also was not required to prove income, etc.</p>