Pacific Trust Bank Mortgage Refinance Fail, Incompetence, Waste of time, SCAM, Pacific Trust Irvine California

DO NOT ATTEMPT TO REFINANCE OR HAVE ANY DEALINGS WITH PACIFIC TRUST BANK.  They are incompetent, they will waste your time, drag their feet, bombard you with confusing emails and calls requesting tons of tedious information that is provided over and over again, and in my case, we get to the actual SIGNING (I WAS ACTUALLY IN THE WAITING ROOM AFTER BEING TOLD TO GO AND CLOSE WHEN I RECEIVED AN EMAIL) and they realize THAT THEY FAILED TO CHECK IF MY APPLICATION AND LOAN WAS HPML COMPLIANT.  This is basic stuff and because of their egregious shortcomings, I wasted 6 weeks with these incompetent schmucks.  Avoid David Racer, Lisa Simmons, and Patricia Restrepo.