Just need to vent about US Bank.

BOA con’d me into a mortgage that could be refinanced for free if the average rate fell. Once a year if it fell lower still. That was late 2007, I think the sub-prime fiasco triggered that market landslide in March that following year. They tried pretty hard to never honor our agreement & I complained to the BBB. They let me do it once but I had to sign something to let them outta their deal. I found that paying the house off also got me lower interest rates. I’ve had two homes since and I’ve never paid to borrow any money from any of them again.

“phuquem” all!