How far did you get in the application process with BofA?
My path was confusing and frustrating...
The only entity I could find taking apps at midnight that first Thursday was Ameris Bank via email. So I sent one. I did that because I wanted to get in line and I had read BOA wasn't going to be ready for up to two weeks.
But that next day at noon I learn BOA's online application is open. So I go through and apply there since they are my current bank and a lender of mine. No documentation sent at time of application with BOA, unlike Ameris. Seems fine and I get an immediate acceptance (not approval) email. I was worried the fact I had previously submitted to Ameris may cause me issues, like being kicked out of the early queue for fraud screening due to a double application.
That Saturday I get an email from some Vice President of commercial funding with Ameris who says they changed their application form and need me to resubmit with the new form and one additional support document (and email to him, not reapply generally). However, before I could respond to him and mention the BOA app, I got a separate email from Ameris (which was a general email to many, unlike the direct one I got from the VP guy) that said they would be handling their own customers first due to demand and that we should apply with our own bank if we have one. Ok, that's probably a good thing I'm thinking since I was worried about that double app situation and had already applied with my bank. So I wrote the VP guy back and said disregard. He wrote back and said "Thank you for letting me know".
On Monday (4/6) I got an email from BOA saying they were ready for me to upload documents through a 3rd party site. I went within the hour and uploaded everything. I have not heard a thing since that day.
What really concerns me is I have no reason to believe my application was approved. If it was approved and I was just waiting for funding, that'd be one thing. But I feel completely left in limbo right now and have no means of inquiring.
I'm starting to kick myself both for not moving forward with that Ameris VP who had contacted me directly (though, of course, the "we are only working with our customers" mandate came after his initial email to me), and for not applying through a small local credit union initially. But at this point, I think the only option that makes sense for me is to hold on with my BOA app and hope for the best.
I appreciate the input, fam. Please continue posting here with updates, if you don't mind. I'll do the same. And thanks to everyone who has posted for keeping this thread on track. Wasn't trying to spite Andrew's rule by any means.
