Client Review on Severn Savings Bank

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I very rarely write reviews for companies, in this case, this is the first review for a bank. I have purchased two homes before, and refinanced twice. I used Severn Bank for the purchase of a third home for investment purposes. I have never dealt with a more incompetent organization. I have excellent credit, the approval process should have been a breeze. I took off an entire day from my medical practice, setting aside for the settlement date. Settlement date was provided many weeks in advance, and despite this, no one at the bank followed through with their underwriting department until the last minute. Suddenly, it turns out a few days before settlement date, they finally realize nothing was done! In the last two days before closing, I end up running around like a gopher getting last minute documents, paperwork, and ofcourse the loan did not close on the settlement date. The seller for the house, who currently lives out of state, had made arrangements to fly in for the settlement date...which didn't ofcourse occur. How shameful, where I end up having to apologize to the seller for the incompetence of this bank. I wasted a whole day from my job, and then had to make arrangements to settle last minute on a busy clinic day of mine. This bank charged me nearly 2800 dollars in finance charges at closing (underwriting, random filler processing fees, and other fluff). I asked for a refund for these charges over their incompetence, or atleast a partial credit, which they didn't do. They are good at apologizing, but not taking responsibility for their incompetence and disorganization via concrete actions. In addition, they are very vague with their timelines. I decided to go with Severn Bank initially, because they are a local bank, yet after this experience I would recommend staying away from this bank unless you want to have a rollercoaster of an experience at the last minute.