[Rick Lee]

You should never get a mortgage based on who you think will service it. Nat. City held more of their own loans than anyone else and even they got bought up by PNC. There is never a guarantee that your loan won't be sold, so don't do anything based on servicing. HSBC has had mine for the last five years and I hate them with such a burning passion. They won't let you pay online unless you bank with them too. They sent me a pile of hate mail when the post office sorting machine made my check to them undepositable, acting like I was some kind of deadbeat. Indian call centers don't make me love them any more either.