Here are positives and negatives with my experience- A. Positives: 1. Very good interest rate B. Negatives: 1. Lack of interest in closing the file on time. We faced with series of delays at almost every step of the process- appraisal, final CDs, & fund release. At one point, when we complained to the officer about the lack of eagerness, we were told to be happy with the low rate bank is providing and not worry about delays. 2. Even today, our struggles have not stopped. There is no follow up from loan officer about loan payments or to see if we have any questions or issues. We were not provided final CDs until mobile notary visited our home for the final signature. At the time, I noticed SSN was incorrect on my application. I informed officer to correct it on the same day. Till date, it has not been corrected. Because of this, I am unable to see my loan profile at online account. Now, I have been asked to go through mortgage department to correct this. Ideally, this should have been corrected right after I noticed the error and informed about it to loan officer. But again, the lack of interest in closing the file on timely manner reflects on the poor service provided to customers. When we were shopping around for loan, we had shortlisted BOFA and US bank due to low interest rates. BOFA had lower rates than US Bank, however we still went ahead with the US Bank due to our agent's past experience of working with loan officer and the importance of closing on time. As we look back, we feel it was a wrong decision from our part. We should have selected BOFA based on low interest rate offer. Since starting my loan application, I referred two of my friends to US Bank for mortgage applications. However, in future I will be careful and warn others about poor services provided by the bank.