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Customer service and the refi depts were polite, they introduced themselves by first and last name, and they listened well.
However, they both suggested that I talk to someone in loan consultation since I've lost my job. The woman in loan consultation was a whole different story. Her service was possibly the WORST I've ever gotten anywhere. First she gave me no name. She asked me no questions except whether I had checked on refinancing. I said that I had, and it was not the best option for me since I intend to sell before 6 six years is up.

She only heard the 'sell' part and told me that I cannot adjust my mortgage to suit "My whims", and that I need to just pay it for the month. (I already paid for the month). She then went on to lecture me about paying my mortgage in the future, in spite of the fact that I have NEVER paid late and have always paid in full...for the eight years I've had the loan! She accused me of wanting to NOT pay the mortgage AT ALL until it sells! The house isn't even for sale, and I had suggested no such arrangement. As she went on in her lecture, I stopped her to ask for her full name. She told me only "Denise". Knowing there must be dozens or hundreds of Denise's at Countrywide, I asked for her last name. She refused. I told her that if she's so certain of her advice,she should have NO problems telling me her last name. She said "I don't give my last name out". She then said she was going to transfer me back to customer service. She did and I got a recording saying that they were closed. So much for trying to pay them in the future. Looks like I'll have to refi with another company or foreclose.


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