They are all alike; right? That's what I used to think about home lenders. That is until I refinanced my home equity loan with First Horizon. This Tennessee based bank is on my list - you know the one. The one you can mention in polite company.
I have a great mortgage broker that finds the lowest rates with the least amount of closing costs. When she found this one, I was pleased because the basic elements were more than competitive.
I like to pay my bills online via Quicken connected to my bank's bill payment program. I have had excellent luck, but do not use it for loan payments or taxes. For these payments, I first look to see if I can make the payment directly on the website. At the last resort, I'll use my check book and snail mail.
First Horizon does not currently allow the customer to access the account on-line. If you want to make a payment you may use the phone but not online. Now the processing fee for taking a phone payment is $20.00. As if that fee isn't outrageous enough, you have to jump through huge number of "security" hoops to get them to accept your payment.
I don't understand why in this mortgage default environment, they would make it so difficult to take your payment. I understand if you go with the lowest rate & lowest costs; just consider the options if you have a choice.