Date: September 03, 2018 Age: 54 Gender: Female Marital Status: Married
Closing Fee
I'm never happy about having to pay fees or closing costs, but I thought that the fees were reasonably fair and agreed to pay them.
Interest Rate
I think the interest rate is totally fair. We refinanced a couple of years ago and I'm pleased with the rate we received.
Loan Officer Service
I thought the loan officer was pleasant, professional, courteous, and worked hard to complete the loan. I don't have any complaints.
Overall Rating
Pros
They're good to deal with, they have a great website, and occasionally when you have to talk to someone by phone, they're very pleasant. Their monthly paper statements are thorough and easy to understand.
Cons
I don't really have anything negative to say. I've been really pleased with the experience so far with their customer service.
Date: September 02, 2018 Age: 35 Gender: Male Marital Status: Married
Closing Fee
no closing costs was great. got my lender from lending tree. they took care of everything.
Interest Rate
have an incredible interest rate compared to other lenders. just wish I could get rid of the mortgage insurance since I have an FHA loan.
Loan Officer Service
our loan officer was great. he took care of everything and helped get our credit in order.
Overall Rating
Pros
the lending institution helped get everything in order. they took care of everything.
Date: February 11, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Closing Fee
It was a hud owned home so there were more fees involved and more hassle.
Interest Rate
Because the first lender (Victorian Finance) was my real estate agent the process was quicker and easier. My loan was sold a few month later to the Victorian Finance company.
Loan Officer Service
The loan officer was a little slow on getting back
Overall Rating
Pros
The kinder was very honest about all of our options and emailing the options in document form making it a lot easier to understand
Cons
I dislike about my lender is the fact that they are slower to respond my calls and questions.
Date: February 13, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Closing Fee
We actually did not have to put down any closing costs. We got approved for an FHA loan and we bought our house under foreclosure.
Interest Rate
This lender provided us the lowest and most fair interest rate of any other lender. The Mortgage Company was thorough and they explained everything clearly and fully during the whole process.
Loan Officer Service
The loan officer sat down with us and explained everything in detail. He was diligent in replying to us and answering any and all of our questions throughout the whole process.
Overall Rating
Pros
Our lender was thorough, professional and completed everything in a timely manner. He kept us current with everything during the entire process.
Cons
There wasn't anything I disliked about our lender. Maybe he could have been better at collecting all the documents needed for approval, but that is it.
Date: February 07, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Closing Fee
My first mortgage was $0 money down. My next house was $5200 down. I didn't have any money to put down on my first house at the time.
Interest Rate
I used to have a mortgage through wells Fargo on another house before I bought the residence that I live in now. My first mortgage was 6.5% The mortgage on my next house is 3.25%
Loan Officer Service
My loan officer was very accommodating and did a step by step process with me. I didn't have any difficulty because I was pre-approved and most of the information was taken before I found the house that I was looking for
Overall Rating
Pros
My lender told me everything that I needed to have to buy the house and put together all of the information himself. All I had to do was produce what was necessary at the time
Cons
I don't have any complaints. He was very accommodating and forthcoming with information. All I had to do was come up with the necessary documents and fill out the paperwork. everything else was done for me
Date: August 31, 2018 Age: 42 Gender: Male Marital Status: Married
Closing Fee
The fee/closing costs are what they are and we couldn't negotiate them much. We did receive some credit from the seller based on issues after the inspection.
Interest Rate
We had some credit issues and used and out of state lender to get pre-qualified initially so our rate was a bit above the normal at the time. We could have and hope to get a better rate when we refi.
Loan Officer Service
Our original loan officer and his team were awesome, with great communication and met every deadline even with our accelerated closing.
Overall Rating
Pros
They came highly recommended and lived up to each and every crucial benchmark. We were a little nervous because they were out of state, but they acted like they were next door!
Cons
The APR could have been better or more competitive, but that was stated when we started the process so there were no surprises.
Date: July 02, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Closing Fee
The fees were reasonable as we did not have to pay for an appraisal since we only borrowed less than 30 % of the home's value.
Interest Rate
Their rates were not the lowest but were competitive. They are the main banking resource for this household and that played a big part in why we chose them.
Loan Officer Service
The loan officer was very professional and well organized. The process when very smoothly and there were no unexpected surprises.
Overall Rating
Pros
We have an existing relationship with this bank, so it was easy to apply and process this mortgage. They are friendly and willing to help.
Cons
There was some confusion about the need for an appraisal after we were told it was not needed due to the low loan value.
Date: February 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Closing Fee
My closing costs were paid by the seller of the house. I really don't have much other input to give here.
Interest Rate
My lender shopped both FHA and standard loans to get us the best rate possible. I feel this wouldn't have been done by many other places.
Loan Officer Service
My loan officer was highly recommended by our realtor and met the expectation set by her. She was in constant contact with us and helped us get and meet any questions/requests throughout the loan process
Overall Rating
Pros
My lender was very responsive and very quick to process the loan. There were no surprises and everything worked out as promised.
Cons
My loan was eventually sold to another company, and then another company after that. This hasn't really affected anything other than who I write a check too.