She is real good as mortgage loan officer and tried protecting me from redundant request many times.
However, underwriters at Bank of America delayed my closing but were ready to pay for those late closing penalty.
It was just 1 business day delay, from Friday to Monday, but I have to pay for 3 extra late days which they promised to reimburse.
Regarding Bank of America as your lender.
1. They wont act fast unless you put extreme high pressure on them.
2. Keep on asking same document again and again.
3. Will ask for lot of redundant documents and explanation letter. Absolute non-sense letters asking questions like why you did this particular transaction of 500 dollars 1 year back ??
4. Be very very cautious about taking them as your lenders. Ask for written letter on about closing on time and if not, reimburse for loss for delay.
5. In my case actual work started a week before initial closing. Till then, everything was on tract as told by my mortgage office, which I guess is certainly not true.
6. They offer great interest and less closing costs and even some credits in closing cost as I was old customer of bank.
7. I lost almost $1000 from sellers credit as they did not informed me that it can not be applied to downpayment till very last day. This loss will never be reimbursed. It would have delayed my closing more if I wanted to change anything at very last stage of deal after knowing this.
8. Lots and lots of extra efforts to close on time.
I submitted all asked documents within 24 business hours still my loan was not closed on time.
My loan mortgage officer was real great but, there were things out of her hands to act on.
I can give following rating.
Rating of KIM DANG would be : 8/10
Rating of Bank of America as lenders : 2/10