No matter what you do, do not use any financial services from Bank of America.
They are 100% crooks and are not to be trusted with any of your financial needs.
My mortgage used to be serviced by BoA and I am getting as far away from them as possible.
I have engaged another bank to refinance and BoA gave me a call to ask me about my intents and I have gloated in my ability to not be connected with a bank that has the reputation of a thug. BoA is a disgrace...
Good riddance, BoA!