since it is a credit union my closing costs were very very reasonable and I do not believe it could be beaten.
Interest Rate
my rate is about as good as it can get at 3.55 so I am very pleased after most banks wanted 4.0 for my mortgage.
Loan Officer Service
Consistent help and care of my information and easy to reach and communicate with.
Overall Rating
Pros
My credit union is a great place to bank and care for my mortgage. It is small and you know everyone. Very personalized care
Cons
I wish they had more locations so it would be easier to reach when I need to take care of anything in person such as a deposit
Date: August 03, 2018 Age: 34 Gender: male Marital Status: Married
Closing Fee
I thought the closing costs were fair and close to the market average.
Interest Rate
It is a little bit high, but not high enough to go through the process of refinancing
Loan Officer Service
I thought the loan officer had a lot of direct experience.
Overall Rating
Pros
I thought the lending institution was very fair in their process.
Cons
There was a lot of paperwork involved in the process
Date: June 09, 2018 Age: >60 years Gender: Female Marital Status: Unmarried
Closing Fee
My closing cost was approx $1000.00. I was pleased with these costs because last time I had a loan it was approx 2200.00
Interest Rate
I checked rates and was quoted a rate of 4.0 from lender but when it came time to close on the loan it had been lowered to 3.75%.
Loan Officer Service
They were very helpful and tried to meet my needs and were able to get me a lower rate than others had offered.
Overall Rating
Pros
They were very helpful and assuring. I felt like I received excellent service and rates. My questions were answered in a timely manner.
Cons
There was nothing I disliked other than having to pay closings costs and they could not be avoided. It was a positive experience.
Date: June 07, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Closing Fee
I assumed I received normal closing fees compared to others. I reviewed and was explained all fees involved.
Interest Rate
I received a lower interest rate due to being a member of the credit union. I did go online and reviews other lenders.
Loan Officer Service
I received fast and courtesy service from the loan officer. Very polite and professional customer service.
Overall Rating
Pros
They have all the updated information, online services, and very friendly staff.
Cons
I have not had any negative experiences with them. I am able to use online services and have had no problems.
Date: February 07, 2018 Age: Above 60 Gender: Female Marital Status: Married
Closing Fee
Using a credit union keeps the closing and fee at a minimum. It was a very low amount compared to other institutions.
Interest Rate
It was a pleasant experience to see low-interest rates, fees, and charges. I also like the good services provided by the firm. I have borrowed 4 times from my credit union for a home purchase and it has always gone smoothly. Do not know how it would be using another lender but I can't imagine it being any better.
Loan Officer Service
I needed funds to purchase my home and I made the call and they said I could come in or they would come to me. I went to the lender and they explained the process and I completed the paperwork. I received an update via email or call about every three days...very smooth process.
Overall Rating
Pros
Using my Credit Union was a great choice, no complaints at all.
Cons
There was nothing I dislike about my lender from the employees to the rate it all was good
Date: January 26, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Closing Fee
I was pleased with my closing costs. Compared to a traditional bank the fees at my Credit Union were about 1/2. Once again I was very happy with my choice of lenders.
Interest Rate
I was told in October my interest rate would be 4.25%. The day after the 2016 election I called my lender and asked if they thought it would go down due to President Trump, they said no but two days later they told me it in fact had gone down and I was able to get 3.65%, Big Smile!!! I did not check with other lenders because I had a relationship with this lender and wanted to use them.
Loan Officer Service
They kept me informed of any and all problems or changes in my loan process. I received an email and or a call whenever something changed. It made me feel very important.
Overall Rating
Pros
My lender was just great. Could not have asked for a better lender. I received personal service and was told if I could not make it into the office with the proper paper work someone would come by and pick it up. They treated me like a high-value customer.
Cons
I did not have anything that I disliked about my lender. Great service as always.