Date: September 01, 2018 Age: 29 Gender: Female Marital Status: Married
Closing Fee
Being a Credit Union and the fact that I had been a customer for so long my closing costs were much lower than what I was being quoted from competitors. You could really see the difference between banks trying to make profits from those costs and a bank that was keeping costs as low as possible for the customer.
Interest Rate
My interest rate was much better than other lenders in my area and online. Being a credit union helped a lot. I was able to get a rate one point less than my two normal banks could offer.
Loan Officer Service
She was very convenient to meet with and was prompt with e-mail correspondence. She made herself available when I was and met me at the door of the bank when I came to talk to her. There was no waiting around for anything.
Overall Rating
Pros
The amount of items that I could take care of online was great. Uploading required documents and being able to re-upload any that were not quite what they were looking for saved a tremendous amount of time. In the past I would have to fax and/or mail things. And being met at the door of the bank whenever I had to go in for in person items was a big plus. And when it came to the final closing they came to my house at the exact time they said they would. Huge wins.
Cons
Shortly after the closing they changed locations to further away and a much more dangerous part of town. I no longer go there just because of the seedy characters hanging out around the parking lot. But until then everything was great.
Date: August 30, 2018 Age: 30 Gender: Male Marital Status: Unmarried
Closing Fee
To my knowledge, there was no closing cost with my lender. So, therefore, I am very satisfied with my lack of a closing cost. They tried very hard during that time to get the loan.
Interest Rate
My lender was the lowest that I was able to find at the time I purchased my home in 2012. The rate was 3.6% which I think is very respectable. They were very competitive.
Loan Officer Service
My loan officer was very helpful for someone who was a first time home buyer. She gave me many pointers and things to watch out for during the home buying process.
Overall Rating
Pros
The bank seems to really care and is interested in seeing me succeed with my purchase of the house. I do not feel that they were predatory in any way and wanted me to be happy with the results.
Cons
The bank is kind of old-fashioned. They do not have much of a web presence nor do they have a mobile app. The agreements they give are also very complicated and they were not willing to spell everything out in layman's terms.
Date: June 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Interest Rate
It's low at 4 percent. I inherited this POS house from my mom but at least it's a low rate for my bad credit and age.
Loan Officer Service
My loan officer is amazing and great. She is really nice and helpful while being understanding.
Overall Rating
Pros
I hate them so much. But I will never leave them. I hope the bank goes under, to be honest with you
Cons
My vice president is one of the rudest people I've ever had to deal with. Once my current past due amount is settled, I will wreck her world.