Date: December 01, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Closing Fee
Our closing fee was the same with our lender as it would be for any other lender in our area.
Interest Rate
We have a low-interest rate of less than 4%. This is due to having a VA loan. Also, we bought during the downturn in the economy. I would say because of the type of mortgage we have, the interest rate is comparable to a lot of other companies.
Loan Officer Service
He was knowledgeable, helped us through a tough situation, and made the process fast. He was hard to reach through when it came to phone calls.
Overall Rating
Pros
I like how it was a fast process from start to finish. We were able to get a loan pre-approval in just a few days. They were very informative on the paperwork that we would need.
Cons
They could be hard to reach by phone. Their web-pay system is not that easy to use. We had to send some pieces of documentation more than once.
Date: December 01, 2017 Age: Above 60 Gender: Female Marital Status: Married
Closing Fee
SIGNIFICANTLY LOWER THAN OTHERS CREDIT UNIONS AND BANKS IT WAS A VA LOAN SO NO CLEAR OUT OF POCKET COSTS INITIALLY.
Interest Rate
I WAS ABLE TO GET A 3.74% WHICH WAS A LITTLE BIT LOWER THAN OTHER CREDIT UNIONS OR BANKS I COMPARED IT TO.
Loan Officer Service
ALL THROUGH THE PHONE OR ONLINE SO NEVER ACTUALLY MET THE MAN BUT THE PROCESS WAS SEAMLESS AND VERY EASY FOR ME.
Overall Rating
Pros
USAA WAS VERY USER-FRIENDLY AND EASY TO GET A LOAN THROUGH. THEY FURTHER UNDERSTAND THE NEEDS OF MILITARY RETIREES SO THAT WAS A BIG HELP FOR ME AND MY FAMILY.
Cons
I DID NOT REALLY DISLIKE ANYTHING EXCEPT MAYBE THAT THE LOAN TOOK ABOUT THREE DAYS AND WOULD LIKE SOMETHING FASTER.
Date: September 03, 2018 Age: 37 Gender: Female Marital Status: Married
Closing Fee
Closing costs are an annoying part of the process, but necessary. They were reasonable, but I feel they were a little higher than they should have been.
Interest Rate
I have a decent interest rate on my mortgage. It is very comparable to others. It could be better, but also much worse.
Loan Officer Service
The loan officer was nice, easy to work with. Loan officer did everything they could to get the deal done. Sometimes, it felt like the loan officer was bending over backward to get things going in the right direction.
Overall Rating
Pros
The lending institution is ok to work with. There haven't been too many problems. It is still a bank that holds my house, so I am careful when working with them.
Cons
Not much to say about what I dislike. Haven't had too many issues. Seems to be going ok so far. The reviews online are not good, I don't really like that.
Date: June 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Closing Fee
Our estimated closing costs were a lot higher than what we actually paid. We were not expecting to get any money back and we did,
Interest Rate
We shopped around for the best rate, so at the time, we got the best rate we could find for our area and that time. The first mortgage company we went to was ridiculously high for the time and area.
Loan Officer Service
Our loan officer cared about us and simplified the process. I just wish he did not wait until the last minute to tell us he needed something by tomorrow.
Overall Rating
Pros
I loved that it was a local company that was reachable and accessible. I loved that we felt like a customer instead of another number.
Cons
Our mortgage has been sold 3 times since then. I wish that they would have given us more notice when they needed something.
Date: June 18, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Closing Fee
I would have liked the fees to have been a little lower. I think that mortgage costs are excessive. However, I thought they were pretty fair about what they charged.
Interest Rate
I would have liked it to have been a little lower, but overall I thought the interest rate was really good. I'm pretty happy with it.
Loan Officer Service
I'm pretty happy with the service we received. Loan officers are just too busy these days and he and his staff did a good job of handling the process for us. It was a VA loan, which can be more time to consume and more cumbersome, but they handled it well.
Overall Rating
Pros
I like the fact that they're professional and easy to deal with. They've got a good website that is easy to use and any time I've had to talk to someone in person, they've been responsive.
Cons
I've never been a big fan of the mortgage process. I get frustrated with the costs, the paperwork and the process. It seems overwhelming at times. But they did a good job of getting us through it and eventually, we got our loan.
Date: June 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Closing Fee
The closing costs were very low compared to other lenders that we looked at. Our Real Estate wrote in for up to 3% in closing costs and it didn't even come near that. I would say it was about 2% which was a lot less than we and the seller expected.
Interest Rate
I think the interest rate was comparable to other lenders. I did do a search online for other lenders and the interest rate seemed to be in the right area. Obviously, there were some that had a little bit lower and others were a little bit higher but overall I am satisfied with the rate we got.
Loan Officer Service
Our Loan officer was great! He was easily accessible and would return phone calls at late hours because of our work schedules. He was upfront and honest about what we needed and what the process was. He gave us some credits on our mortgage so that we wouldn't have to come up with a bunch of unexpected funds. Overall he was fantastic.
Overall Rating
Pros
They explained everything really well about what the process was and how long it was going to take. They were very upfront and honest about everything, and their loan application was straightforward and easy to understand. They explained what they were looking for and why. They had a really quick pre-approval process which gave us peace of mind.
Cons
It wasn't easy to find the information we needed online as their website wasn't the best at the time. There were a bunch of last minute items that we needed for the underwriter, which is a pain when you are in the process of packing. And lastly, on the day of closing, they were dragging their feet on sending the money which was pretty nerve-wracking.
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.