BRRRR: Choosing your Refinancing Lender

[Account Closed]

Last year I utilized Patch of Land to refinance a loan and ended up with a loan by Cohen Financial a Division of Sun Trust. The rates were relatively high but I was in a pinch to do a refi so I went with it. 

Everything since then has been a circus. I prepaid a year's worth of insurance which the company failed to account for and couldn't give me an explanation for months why I was being double charged for insurance purposes. I get the whole escrowing Insurance payments so that wasn't the issue. They went dark many times over this conversation where I would have to re-engage to get information only to talk to someone that didn't know what was going on. 

I asked over months to have the organization change my mailing address and whatever they recorded was off. This took a formal complaint to a VP to address a simple issue. 

-They then sent my annual statement to only god knows where and then wouldn't re-send something so I could have something in hand when I fly to see my CPA. 

-They replied with a PDF version would be available the day after my meeting with my CPA.  

Customer service and basic requests for information have been awful so I would highly recommend avoiding this company if possible when it comes to them servicing your loan.