AMERICAN EQUITY MORTGAGE

OUR CONTACT WAS SLOW IN RETURNING MY CALLS. I THOUGHT HE HAD FORGOTTEN ABOUT ME FOR AWHILE. HE TRIED TO SCARE ME FROM SHOPPING AROUND FOR RATES BY SAYING IT WOULD HURT MY CREDIT RATING AND THAT IT ALREADY HAD. HE TRIED TO TALK ME INTO ROLLING MY CAR PAYMENT INTO MY MORTGAGE AND HAVING A HIGHER PAYMENT THAT I ALREADY HAVE ALONG WITH A HIGHER INTEREST RATE, LESS THE CAR PAYMENT. I TRIED TO EXPLAIN TO HIM THAT IT IS THE LARGE LUMP SUM THAT IS DIFFICULT FOR ME TO MAKE EACH MONTH. I WANTED A SMALLER MORTGAGE PAYMENT AND THEN IT WOULD BE EASIER TO MAKE THE SMALLER BILLS, SUCH AS CAR PAYMENT EACH MONTH, BESIDES WHO WANTS TO PAY FOR A 5 YR OLD CAR FOR THE NEXT 30 YEARS? THAT JUST SEEMED DUMB TO ME. HE CONTINUED TO PUSH AND TELL ME THAT WITH MY PAST CREDIT, LAST 2 YRS GREAT, THAT I COULDN'T DO ANY BETTER THAN THIS (HIS WAS BY FAR THE WORST QUOTE). I WAS NOT IMPRESSED WITH HIS LACK OF RESPONSE AND THEN WITH THE TERRIBLE QUOTE, NOT TO MENTION THE SCARE TACTICS THAT CAME WITH ALL THIS.