Date: September 03, 2018 Age: 48 Gender: Female Marital Status: Married
Closing Fee
Honestly, I have nothing to compare it to other than when we had mortgages in the past. My feeling is that in general fees and closing costs are high but I don't think my particular loan now is much higher than any previous. It's just an expensive process with high fees.
Interest Rate
I think our mortgage rate is fairly low for the time we obtained it and was competitive with other lenders at that time.
Loan Officer Service
I liked our loan officer. He was a personable guy. He was reachable but at times, it took awhile before he got back to us. Always same day but sometimes he was hard to find or took long lunches.
Overall Rating
Pros
I think their monthly statements and their communication with us is very clear and very concise. They seem very honest and above board in everything that they do.
Cons
Date: August 31, 2018 Age: 37 Gender: Female Marital Status: Married
Closing Fee
I do not really remember the closing cost but I think it was a good closing cost or fee. We were pleased.
Interest Rate
Our rate is good compared to other lenders. It is pretty low. It is 9.99%.
Loan Officer Service
My loan officer tried to get us through quickly. They made sure we understood everything. They were courteous.
Overall Rating
Pros
They were professional, helpful, nice, and quick. They worked for us and made sure we understood everything. They made things go well.
Cons
Date: August 07, 2018 Age: 28 Gender: male Marital Status: Unmarried
Closing Fee
I put this in the middle because while they aren't high compared to the other places I could have gone they are not as low as the two community banks in my neighborhood that I could have gone with so that's why it is fair to put them solidly in the middle with a 3.
Interest Rate
I like that they were the best to work with. While I was not the happiest with the rate but looking back, to be honest, I could have gone with another bank but I have seen that they are terrible and more expensive. TD is a great place to get a mortgage they didn't kill me with fees nor did they not give me a lot of consideration when I was trying to get prequalified.
Loan Officer Service
I have frequent questions as a homeowner about my loan and they handled it really well. Other banks the ones my friends chose are terrible at customer service and so in that regard, they get an easy 5. Even compared to the less expensive choices whose customer service is not anywhere near as good.
Overall Rating
Pros
I think being able to pop in a talk about certain questions I have with the woman who works at the bank who handles my loan is fantastic and gives the feel of a small community bank but with the advantages of a super huge bank.
Cons
I think my biggest gripe is the cost and some of the online tools there are a couple f things I have noticed with their online platform I wish would be more improved but I am not sure if my issues are just personal biases or legitimate issues others would also have.
Date: July 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Closing Fee
The fee and/or closing costs were all fair I think. They seemed reasonable at the time. That has been a while ago.
Interest Rate
Our interest rate is 9.99%. I think that is a lot lower than other interest rates of other lenders. That rate is fair.
Loan Officer Service
They were nice and fair. They worked speedily and gave us attention. They got our loan approved quickly. They were efficient.
Overall Rating
Pros
We had gotten behind in payments again. They were willing to give me an extension. That will make us be able to get back on track.
Cons
There is not anything bad other than a few times we got a bill for insurance premiums but that is paid by our mortgage lender. They were just late sending the payment.
Date: July 10, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Closing Fee
After much research, I feel certain that our closing rate was comparable to those in surrounding areas. We mainly looked at how our final payment would be affected and went by that
Interest Rate
Compare to other lenders we were able to get a lower interest rate. We search around so I truly believe that we got the best rate at the time.
Loan Officer Service
My loan officer was the best. She explained everything as this was our first buy. She had different routes already outlined and on paper to show us the best routes to take that would be beneficial to us.
Overall Rating
Pros
They have always been quick to respond with minimal problems of reaching. I have online access or can easily reach them by phone.
Cons
I really wish that had more tools online to work with. I would have like to see more sources other than how to pay my bill.
Date: July 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Closing Fee
I was satisfied with the closing cost because it was very low. At first they thought it was gonna be high but in the end, they helped me a lot and got it lowered.
Interest Rate
My interest rate is high because of my credit score. I am hoping to fix my credit and switch my mortgage to a new bank in the near future. I pay triple the amount of interest than most.
Loan Officer Service
They helped us tremendously. We didn't think we would get approved for our loan. They helped with everything we needed.
Overall Rating
Pros
We had a lot of questions and they were very patient and offered lots of support. It was our first time buying a home and they were so excited for us.
Cons
There is only one thing that I hated about the lending institution. Their interest rate is very high. We pay more in interest than for our actual house payment.
Date: June 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Closing Fee
The mobile home company kept coming up with new fees and I was too young and stupid to realize that it wasn't normal
Interest Rate
The interest rate is terrible it is set at 11.75% for 30yrs, If I had known then what I know now I would not have gone with my mortgage company. I believe that my mortgage would fall under predatory leaning practices.
Loan Officer Service
I believe that the loan officer should have advised us better instead he continually lied to make sure we took the loan