Always waiting on someone to answer the phone in c...

Always waiting on someone to answer the phone in customer service for 20-30 minutes. There is no wait time estimation or a callback service. This gets very frustrating after several times of needing quick questions answered. When you do finally get a customer service representative, they are very polite, but don't know very much and you have to get transferred to someone else. Also you can close on your mortgage in 30 days but it takes 60-90 days to get an assumption done to get someone's name off the loan, with less paperwork? This business is far from customer friendly.