Us bank 1st (not proactive) with 2nd bank of stockton ( local)

I have heard good and bad about US Bank, mostly they are hard to work with as they are not proactive at all, any experience with US Bank I would love to hear the outcome and any suggestions. We are in California.

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Permalink Reply by Michael Schneider on April 1, 2012 at 4:12am

My experience with US Bank (three deals, I think) is that they were slow to process, but the outcome was good.

Permalink Reply by Sandra Delight Miller on April 2, 2012 at 7:04am

 

Did you have any with a 2nd lien?

Did you meet the BPO agent with comps? I talked with one agent that was using a 3rd party for negotiating and he did not meet the BPO agent and the value came in to high and the bank would not budge.

Thanks for your input!

Permalink Reply by Michael Schneider on April 2, 2012 at 8:01am

Yes, one had a 2nd.  I absolutely never want an appraiser in a property without an agent.  Just for the reason you state.

So, you must fight that value.  They will probably budge eventually.

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