Lets start from the beginning. I first contacted D...

Lets start from the beginning. I first contacted David Digesu on 2/13/2020 inquiring about a 15 year refi and on or around 3/3/2020 we formally began the process. Then from 3/13/2020 to 4/5/2020 we did not receive any communication or status update from David or 1FMC, despite our multiple emails and phone calls to both David s cell and the 1FMC office. During this time gap, on 3/27/2020, Sean Hollis performed our appraisal. Finally on April 5, David contacted us, apologized for going AWOL and provided the appraisal. Sean s report appraised our home at around $25K below our 2017 purchase price while acknowledging in his report that our neighborhood "is showing moderate growth with stable to increasing property values . We, of course, found Sean s appraisal unacceptable and David suggested we request a reconsideration, which we immediately agreed to do. I think David requested the reconsideration, but I really don t know because from 4/5/2020 to 5/1/2020 (26 days if you re keeping count) we did not receive any kind of real update. David s replies were more of a kick the can approach. Finally on 5/1/2020, completely frustrated, I emailed David asking for a status and stating that we either needed to move forward or cut bait and go somewhere else. On 5/6/2020, to my utter shock and disbelief, David replied that we should go to a different mortgage company because he had "tried everything he could think of". Completely incensed at this point and having already spent $500 for the appraisal, I replied to David on 5/7/2020 at 8:45am that walking away at this point was unacceptable. I asked David to send me the documentation of both the formal request for reconsideration that was filed and the formal response from AMS denying our reconsideration because I was going to file formal complaint to the Alabama Real Estate Appraisers Board. Amazingly, at 5:31pm of that same day, we received an email from Casey Brannon of 1FMC containing our new appraisal with an updated value. We then had to resign documents but finally on 5/26/2020, Casey emailed me stating that our loan was clear to close and the title company had an opening on Monday 6/1/2020 @ 3:30pm. The following evening I replied to Casey confirming that this date and time would work. On 6/1/2020 at 3:15pm we arrived at the title company s office and sat in their waiting area for over 30 minutes when the closing attorney came around the corner to tell us that we would not be closing. She had just received an email from 1FMC stating that the closing documents were not ready. Once again, David and no one from 1FMC contacted me or my wife to let us know what was going on. We had left work early that day to make the appointment 1FMC offered us and then would once again have to take off early later that week to close on Friday 6/5/2020 at 4pm. In summary, I first contacted David on 2/13/2020, on or around 3/3/2020 we formally began the process, and did not close until 6/5/2020 at no fault of our own. Depending on which start date you choose, that s between 94 and 113 days to close! That is ridiculous and unacceptable! Our entire experience with David and 1FMC was unprofessional and lacked any regard or empathy for our well-being. There's is no way I could, would or will ever refer anyone to 1FMC.