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I have been less than impressed with BOA lately too. I had an ARM, which was going to adjust up several months ago. BOA was servicing that mortgage, so I called to see if they'd do an "easy" refinance, which they wouldn't. They then set me up to do a regular refinance, but their "Best Rate" ended up being nearly a full 2% over what I could find elsewhere. Needless to say, I'm no longer a BOA customer and very happy about it.
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