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TB&W is inept. In the 14 months they've had my loan, they've missed tax payments to the city, sent me a check for surplus escrow funds that were not surplus (despite having the tax bill in front of them) and then raised my mortgage payment to make up for their mistake. it also takes a good 20 minutes hold time before you can get a human on the phone as well. the sooner i can refi and escape them, the better.
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