There is a very limited market for mortgages for manufactured homes and this bank was recommended to us by Detrays in Puyallup. We have had nothing but problems from the beginning when our home was being built and this lender (Dave P.) described our contractor as his friend and we subsequently had unauthorized payments being made to him for work we questioned. Since then we have had multiple issues with materials coming to the wrong address (which we have corrected at least six times!). This caused the cancellation of our home owner's insurance at one point. Most recently, we did not, for some reason, receive information about the increase in our escrow payment until it was too late to make it up which forced a significant increase in our monthly payment. Last month there was a mixup in the electronic payment which led to an overpayment by us of $944. We are senior citizens on a fixed income and this amount of money makes a big difference in our monthly budget. I requested a repayment on Aug. 2nd at which time it was suggested that I "just leave the money there and apply it to next month's payment." I explained that we need that money to make our monthly budget and was told that a check would be issued to us (the money had been electronically withdrawn from our Wells Fargo account but I was told it could not be electronically put back into that account?). As of today, 8/24, we still have not received the refund check. I called to confirm, once again, that they have the correct address, was told the check would have gone out "around" the 7th (not able to tell me exactly when) and we resolved the issue by supposedly voiding that check and leaving the funds there to apply to our next mortgage payment, which was what they wanted initially. Customer friendly? I don't think so...definitely not a friend of Senior Citizens!!