Date: September 01, 2018 Age: 49 Gender: Female Marital Status: Married
Closing Fee
I did not have any fee or closing cost so I am sure that I paid a lot less than any other company out there.
Interest Rate
I think my interest rate is very comparable to other companies. But I do believe that I am paying a lot less than others because I went through my credit union.
Loan Officer Service
My loan officer is absolutely a great person. They really went above and beyond in helping me out with everything.
Overall Rating
Pros
My credit union was so very helpful to me when I was buying my house and they went above and beyond to help make the process so much easier.
Cons
Date: August 30, 2018 Age: 39 Gender: Female Marital Status: Married
Closing Fee
The fees were completely laid out. The fees were not as low as others, but paying the mortgage twice a month makes up for it.
Interest Rate
I have a VA loan and it's very low. Our interest rate is just above three percent an I am really happy that the bank does not sell the mortgage.
Loan Officer Service
Very easy to obtain info and I have never had to wait for a callback. I really enjoy working with her.
Overall Rating
Pros
Very good bank. We have other features of the bank that we use and my kids have accounts with the bank as well.
Cons
I wish they had more brick and mortar stores. They offer a lot of services and its nice to talk to the people in person.
the closing cost was very reasonable it was all included in with the down payment and processing fees
Interest Rate
It is a little higher than some companies but I have bad credit and they allowed me to get a mortgage and a home
Loan Officer Service
they were polite, kind, and helpful through everything. I felt like they went out of their way to help me when many other lenders would not have
Date: June 05, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Closing Fee
I think the closing costs are ridiculously high but ours were minimal compared to some other lenders we could have chosen from.
Interest Rate
At the time, our interest rate was quite low but the whole market was pretty low. We paid approx half a point higher than the lowest possible based on our credit. We refinanced two years later for an even better rate.
Loan Officer Service
The loan officer was efficient and never had to stumble or look for answers to our questions. It was obvious she had done this a while and knew the process very well.
Overall Rating
Pros
I like that it's local to me and we have done business with them before so you always know what to expect.
Cons
Really the only thing I dislike is that appointments have to be made and usually a week or so in advance because they are busy.
Date: June 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Closing Fee
It's been 3 years now so it's a little hard to remember, but I believe that our closing costs were almost negligible. I remember our Lender being surprised at how little our closing costs were, saying it was one if not the lowest she had ever seen.
Interest Rate
My husband got a loan through Navy Federal for a VA loan for our property. The VA interest rate was unbeatable especially with no money down. I don't think we would have been able to buy a house at all without the VA loan.
Loan Officer Service
They were very nice (Navy Federal always is), and once they wrapped their heads around the VA loan (not a normal loan, even for them), they were quick and efficient and very helpful. This was our first home and we had a lot of questions and confusion sometimes and our loan officer made sure to take the time and explain everything to me and my husband.
Overall Rating
Pros
Navy Federal has always been friendly and responsive with us (we bank through them as well). They offer 24/7 member services so even when we were going over things at 9 pm, we could call them and talk it over. They also go over and above to find answers to difficult or confusing matters and always call us back with an answer. We are really very happy with them.
Cons
The only thing is that there are no physical branches near us. The closest one is an hour and a half away, and when things are time sensitive such as a check needing to be given to someone that day, they can't mail it to us in time, so we have to drop everything we're doing to drive an hour and a half to go get the check. Or in other instances paperwork needing signatures etc. and they can either mail it to us or we can go to the branch. That was a bit of a hassle at times during the home buying process as I remember.
Date: June 04, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Closing Fee
I was happy with the closing costs they had. Again I probably would have gotten lower costs at another bank but I wanted to stay with my bank
Interest Rate
My interest rate was about the same as other lenders at the time. I probably could have gotten a lower rate from a different bank but I wanted to stay with hometown bank because of the customer service
Loan Officer Service
She was the greatest. Very organized and very easy to contact. Always kept us apprised. Excellent customer service
Overall Rating
Pros
It's a small hometown bank where you get better customer service. They make you feel like a real person instead of just a name on an account
Cons
There's really nothing I dislike. I could have gotten better rates at another bank but I still feel like I got a good rate from them