Mortgage Loans

I personally recommend anyone but First National Bank for your mortgage loan. I had the worst experience. A friend recommended them, which he apologized for later, and so I went in to get things started. I was told, "If anyone can get you done, we can." We got everything going and after a week and a half, I followed up to see how things were going. I was told, "Everything looks good. We should close this week." And nothing. I waited another week and called back to see how things were going and was told, "I had my underwriter look at it and she said everything looks good, we should close by the end of the week." And...nothing. This goes on for a month. I call again and she tells me, "Well we may need a co-signer, my underwriter is going to look at it." Ummm I thought she already did, at least three times before. But as anyone would guess, may need means you do need. So I go to Wells Fargo. They had me approved in a week. :) A month later I get a bill from First National saying I owe them $400.00 for an appraisal. So I call my loan officer and ask him about it. He asks me why would they do an appraisal before they had you approved? So I go to pay the bill (because it will apparently go to collections if I don't and you can't have that if your closing on a home) and ask why. They told me, "We never approve a construction loan without an appraisal." Makes sense, but why not get everything "looking good" first so all you have left to finalize a loan is the appraisal? That makes more sense, right? All in all, it was a horrible experience, I felt like no one knew what they were doing and it wasted a month and a half of building time and $400.00 for an unnecessary appraisal. Please stay away from First National Bank. It's a waste of your time and money.