mortgage refinancing and consolidation

can't u pay BOA electronically? But i guess u also wanna cash out on ur equity? Sorry i don't know much of either of these 2 companies!
Much luck to ya,
Ang

Sorry that was me. For some reason I was logged out.

Well, we are going through countrywide. BOA told me there isn't a way to pay online.

Yes, going to cash out and roll all the debts together. I think ti will be better just for the reason of because able to claim it on taxes.

We are slowly digging ourselves out and trying to get some savings.

Wow...you are one of the lucky few with equity to cash out.

I have had CountryWide with my last 2 refinances. Prior to them, I always had a friend of mine (a loan officer) do my refinances for me. When she hooked me up with Country wide the last time, I liked them so much that when they called me one time and told me I was eligible to refinance, I went with them again. They are so nice! The loan officer I dealt with last time was super cool and did most of the work for me. I think that once you get in with them, you will probably like them too and keep them for your next refinance. Then it will be also considered a 'streamline' loan and you will have to submit next to no paperwork.
Good luck to you!

Just an FYI. There is speculation that BOA is moving in on them by purchasing $2 billion in stock or roughly 16% of the shares. This makes your situation really interesting because you are dumping BOA for Countrywide maybe and you may end up right back with BOA. Also, I have a BOA credit card and I have no problems seeing my account online and paying online. The following is a summary of some of the info I dug up on them from the net.

Countrywide is one of the largest mortgage corporation and subprime lenders. There stock price has fallen about 15% based on fears of bankruptcy that the investors have. The New York Times printed an article blasting them for their poor business practices and the way they pushed their customers into high cost loans that made countrywide millions.

Angelo R. Mozilo, the companies ceo and founder has made almost 500 million selling countrywide stock. In the past year since the onset of the subprime lending failures Mozilo has sold another $130 million in stock leaving him holding only $29 million worth or about 0.25% of the total stock. In other words he is getting out while the price is up before the company is bought out.

Thanks for sharing the Country Wide info. So far, I'm liking them the most out of all of the mortgage companies I have ever had. I hope nothing happens to them!