http://www.viewpoints.com/aboutme/smebbp Mon, 02 Feb 2009 20:11:25 GMT Reviews by smebbp http://www.viewpoints.com/CCO-Mortgage-review-f5473 I refinanced my mortgage with CCO back in 2004. They dropped my rate from 6.65 to 4.90 with no closing costs. They saved me over $200 a month . I still sent in the same payment with a little more which was applied to the principal. I gifted some of our land to our son so he could build a house in 2008. They were very quick with the paperwork needed to do this transaction and notifying me how much it would cost to do this action. Someone misappropriated the funds and applied it to my monthly payment but it only took one email from me to get the snafu straightened out.I hold my own escrow account ( anyone can do this,all they have to do is ask). I get a better rate on my account since most escrow accts pay below the minimum rate of a savings acct. I put my tax money in a money market account to up my interest as the account grows. This helps when the taxes go up,which is every year here in NY state. I have had absolutely no major problems with CCO mortgage. In fact, they have been very helpful...... Mon, 02 Feb 2009 20:11:25 GMT http://www.viewpoints.com/CCO-Mortgage-review-f5473 smebbp 5