If I would have read all of these complaints before I applied for refinancing with AIM I probably would have been scared off. Fortunately I had no problems.
Maybe the house being only three years old saved me from some of the issues others have complained about. The only extra paperwork they requested was a copy of my homeowners insurance, tax return information from two years back and a statement from a new credit card I had just gotten. I couldn't find the tax return paperwork they wanted, but they didn't make me get it from the IRS. My new credit card was so new I didn't have a statement to give them, and they didn't hassle me about that either.
I still owed most of the original principal on the house, but the appraisal came back $15000 higher then what I bought the house for. I filled-out the loan application on 10/3/16, and the loan was financed on 11/1/16.
My only complaint was they never let me know when they actually sent the pay-off to my previous lender. I was very anxious because I did not send in my November payment, but my loan was closed out when I got online to see if I needed to make another payment, so it seems they got it to them before I got a late payment on my record.
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