I'm right in the middle of buying my first house and it's been an absolutely hellish ordeal. Not so much from the actual financial hardship or anything(i have 20% down ready to go), but the fact that I've made the huge mistake of going through bank of america for my loan.

Almost every piece of paper they've sent me has arrived at least a week late, and the east coast loan agent they've assigned me won't even talk to me(yes, I do call during "their" business hours, but aside from talking to her once, 2 weeks ago, every time I've called I've gotten her voicemail). I'm supposed to close on this house in a week and I can't even get her to return my calls??? GDTMMM!

You'd think the bastards would want my business, of course they had no problem taking the $400 loan application fee, but other than that, absolute silence in the past 2 weeks. Oh, and they just started charging an $8.95 a month "service charge" because I don't have direct deposit at my new job...which is more than i made in interest last year on that account with $15k in it!