Quote:
Originally Posted by kstew43
Give the OP a chance to deliver the proof before you bash them.
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Kstew43: I have to disagree with your lenient position on something like this. on internet forums everywhere, whether talking with Jeep fans, sports team nuts, or food fans, the bulletin board/discussion forum rules of behavior and posting require posters to offer up their "proof" at the time they take shots at whatever they're are disgruntled with. You take the time to gather up your proof, evidence, whatever, and post it in orderly fashion with your gripe to make your case. Absent the proof, you have no case to make and become just another of the wild, ranting, anonymous internet posters. Now, if that was the poster's goal, to incite debate and stir up forum reaction to a topic they knew would be a lightning rod, then so be it. But they don't earn the privilege of being defended for those actions, in my mind.
More to the OP's points attempting to be made, several others have already stated, and I agree from our experience, that the entire property sale and mortgage closing process we went thru was well explained, with options offered and discussed. We chose Citizen's First Mortgage rather than other options we had because of specific advantages WE saw in using them - not pressure or even a sales pitch from TV Realty Reps or Citizens First Mortgage Reps. We've been thru the process more than a few times and understood timing, costs and appraisals fairly well. And as for being provided incorrect or erroneous info at any step in the process, I can't recall even one instance. Did we maybe pay a little more in certain processing fees to use Citizens First? Maybe, but we knew we were doing that and why. Our schedule was as important as the final costs involved, so even though other lenders may have shaved some dollars off the whole transaction, performance & timing were equally or more important to us, so we went with Citizens First.
I usually don't get into the argumentative type discussions on any forums I visit, but sometimes certain people's approach to using the forums just gets to me and I decide I need to say something. Oh, and I'm speaking of the OP, not you when you suggested cutting the OP some slack. That wasn't the argumentative part I was referring to.