my home 3 years ago is scary. We have near perfect credit (FICO of 795) and good income, yet our Countrywide agent pushed and pushed and pushed us to take an ARM, even though we were in year 15 of a 30 year fixed and a 2nd that we were combining. I think they must have been paying their agents bonuses for the ARM's because there was no reason on earth to offer us an ARM. When we walked out and said we'd refi elsewhere, all of a sudden we got our 15 year fixed with no points loan that we had wanted and at the amount we wanted. Countrywide and their ilk should burn in hell for all the unnecessary foreclosures they are directly responsible for.
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