I have had 4 loans with PHH formerly known as Cend...

I have had 4 loans with PHH formerly known as Cendant Mortgage. My last 4 experiences have been fantastic. So much so that I have told many people to use them. I decided to go with them again and 3 months later and no closure on my refinance I am frustrated and angered by the incompetence of my loan processor. He has been very poor at communicating resulting in significant delays, doesn't respond to email or phone calls and now I am on my 3rd closing attempt. The others have failed due to poor communication on the part of my loan processor. The first failure was that I was advised I would have 22 dollars out of pocket to close my loan and when the paperwork showed up along with the notary they wanted over 500. They said they would correct this and set up a new closing date for the following week. I advised the notary. This date came and went with no communication and of course my loan processor was nowhere to be found. I had at this point communicated with his supervisor who promised things would improve and that she would make sure my loan was properly handled going forward. After the notary didn't show up for the second appointment and no paperwork I called and spoke with a "team member" who said the appointment didn't happen because nobody had set it up to close with the title company and notary. We had the closing date extended along with our original rate to the following week which was yesterday. No paperwork showed up and no notary despite having some very direct communications with my loan processor during which I was assured it would all be taken care of. I was called the day of closing by another "team member" who said she was calling out of courtesy to advise that they had not been able to get a payoff from my current mortgage holder US Bank. They said I could expedite it by calling US Bank. I offered to give them a payoff statement that I could get online with our account. I told this "Team Member" I would send it over and call them. I did this 5 minutes later and had to leave a message. I still have not received a call back. I did receive a call from my loan processor asking how the closing went. I advised it didn't go and was truly surprised that he was ignorant of all that had happened. He said he would not be able to extend the rate lock and that my interest rate would go up. He said I could buy it down for about a Thousand dollars if I wanted to keep it where it was. I told him I did not believe it should be my burden to pay for this due to the gross mishandling of my case by PHH. I then called his supervisor who promised to respond if I had any issues. I left a message and have not received a call back. I did receive a reply from my loan processor advising that his "communication" was "there" and that he had spoken with his supervisor and that PHH would not pay for the half point to bring my rate back down. Needless to say I am furious with PHH right now and will continue to make efforts to find a resolution. I am starting by writing this review and will do what I can to dissuade others from working with PHH.