As you can see by the total 1.5 star rating for Bank of the West, they are a troubled institution. They operate as a predatory lender. Be very careful.
My father was convinced to take out an interest only loan, 15 years ago on his death bed. Father passed 4 months later. My brother took over the loan as it was for a business. My brother has since passed. The business closed. Now Bank of the West is attacking my mother who has dementia, who is 89 years old and nothing to do with the loan.
Interest only for 15 years Bank of the West had no intention of ever collecting principal.
Scare tactics on the elderly disabled citizens is never acceptable