Unfortunately, when you originate your loan directly with a FDIC Bank you don't know the quality or the knowledge of the person that is helping you. They are not required to have a DRE license, undergo continuing education or have any experience in the field at all. Could have been selling Toyota's last week.
You need to go in there and talk with the Branch Manager. Next time go with a licensed Loan Originator. They are required to have their license on all sales material or you can check here http://www.dre.ca.gov
Happy funding, Rudi... more