[dawn53]

Same with us. We had our mortgage with a very responsible bank whose rating remained 5 stars through this entire debacle. I spoke with a loan officer there just to find out what shape the bank was in and she told me they had plenty of money to lend. Our rates were always fair and they were always upfront with us, so I would not feel right in penalizing them when they weren’t part of the problem.

[hiredhand]

Same with us. We had our mortgage with a very responsible bank whose rating remained 5 stars through this entire debacle. I spoke with a loan officer there just to find out what shape the bank was in and she told me they had plenty of money to lend. Our rates were always fair and they were always upfront with us, so I would not feel right in penalizing them when they weren’t part of the problem.

When sub-prime blew up, our little bank contacted all of its customers and made sure we knew that they practiced fiscal responsibility! They even offered to explain their prospectus!...for those of us who are "challenged" to understand such things!

But if not for these things, I'd do this in a heartbeat!