Date: September 03, 2018 Age: 28 Gender: Female Marital Status: Married
Closing Fee
The closing cost was outrageous, a fee for this and that. You would think it would be free beings how you are gonna be paying them for 20-30 years.
Interest Rate
It is well balanced compared to other banks , plus the credit rating I have it was the best pick to get it from this place.
Loan Officer Service
He was great , had all the answers was prompt and courteous very mindful of what we needed and what would fit our budget.
Overall Rating
Pros
They are great , a lot of easy payment methods, convenient locations, even a drive thru payment center. Overall they are wonderful with customer service and handling our account.
Cons
I do not like that they may be selling the company to another company that will be taking over our loan and that may mean a higher interest rate or other changes.
Date: September 02, 2018 Age: 67 Gender: Male Marital Status: Married
Closing Fee
They gave us a very minimum closing cost and some discount. There was a lot of negotiation happened between the loan officer, bank manager and my husband to close the deal and we did all right. It's better dealing with your community bank compare to those big name banks in a large town. We've known each others name and we recognize each other every time we see them in town, so there's personal relationship involve.
Interest Rate
We've been using this bank for a long time now. It's a small community and the only bank that is in our town. They gave us a lower rate compared to the big bank in big town close to us.
Loan Officer Service
The loan officer is very friendly since she's our neighbor too. A personal relationship is very important in a small town like where we live. It's not just a business client relationship but it's your personal connection with the client.
Overall Rating
Pros
We love our community bank and since it's the only one here in our town, I guess we can't compare it. But compared to the big name banks in the big town it's way different. The personnel of our bank is very friendly and we've known each other, went to the same grocery stores, etc. They are dealing with us very fairly.
Cons
We love our bank, the only thing I don't like is their ATM can't get any cash if you have VISA card, and my debit card from SS is VISA so I can't get quick access to cash and can't even get an over the counter.
Date: September 01, 2018 Age: 39 Gender: Female Marital Status: Married
Closing Fee
There were a lot of fees and things that we didn't know about ahead of time, but we were able to pay for all of the costs of closing.
Interest Rate
This is the first house I have been an owner of. So it's hard to say exactly how the rate compares. But I think it is a fair rate, so I'd say it is average, compared to others.
Loan Officer Service
I don't remember much about the loan officer because this was 6 years ago. But I believe he was polite and efficient, and everything about the closing of the house went smoothly.
Overall Rating
Pros
I like the fact that it is a local bank, and that we can see our mortgage balance when we go online to check our other bank accounts with this bank.
Cons
Date: September 01, 2018 Age: 37 Gender: Female Marital Status: Married
Closing Fee
Citimortgage waved the closing costs on my refinance. I paid no fees at closing.
Interest Rate
I refinanced my property 3 years ago. After shopping several lenders,Countrywide offered the most competitive interest rate.
Loan Officer Service
The loan officer I worked with was quick to respond to inquiries and happily helped me throughout the process of refinancing.
Overall Rating
Pros
In general, I like the ease of the online access to my account with Countrywide, the low interest rate and not having to pay closing costs when I refinanced.
Cons
Date: July 30, 2018 Age: 50 Gender: Female Marital Status: Married
Closing Fee
Although it has been quite a while since we purchased our home, I don't remember fees being a problem. We originally financed with Wells Fargo and throughout the years our mortgage has been "sold" to different services. I really don't remember what fees we paid.
Interest Rate
We pay 3.75% interest on our loan. Compared to friends and family, our rate is very low. We would not need to consider refinance for the term of our loan.
Loan Officer Service
Seterus has been very helpful and they are trustworthy. We applied for a modification and they assisted in lowering our interest rate to 3.75%. No fees for the modification but a few years added to the term.
Overall Rating
Pros
Wells Fargo was a trustworthy servicer
Cons
I don't know that I truly trust any servicer. I go in with the feeling that I need to defend or protect myself. I have worked with services in the past who have lied and seemed to want us to default on our loan. Seterus has proven to me that they are truly wanting to help. I have nothing at the moment to dislike.
Date: June 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Closing Fee
The closing cost of my mortgage lender seems to be about the same as closing costs and fees of other competitive lenders.
Interest Rate
The interest rate that my lender gave me was lower than some other lenders. On average, my lender seems to have the same type of interest rates.
Loan Officer Service
My loan officer went above and beyond and even helped us during the first time home buying process. She even stayed at her office later to accommodate work schedule conflicts. She made sure that we received the best deal possible.
Overall Rating
Pros
I have so far enjoyed having Countrywide home loans as my lender, my monthly statements can be viewed easily online and if I ever need to contact a representative, there isn't a long wait time.
Cons
So far, there isn't really anything that I can think of that is negative about my lender.