Date: September 03, 2018 Age: 49 Gender: Male Marital Status: Unmarried
Closing Fee
Our closing cost fee was super low that it wasn't an issue. It may have been free?
Interest Rate
I'm not quite sure what the interest rate is but it is low and we are able to prepay in advance to lessen interest.
Loan Officer Service
He was awesome. He got back to me super quickly and was able to explain things effectively.
Overall Rating
Pros
It is a local credit union and not a big bank. They are easy to work with and everyone is really nice.
Cons
Date: September 02, 2018 Age: 41 Gender: Male Marital Status: Married
Closing Fee
The closing costs were fixed at $250 and covered everything. Very happy with this company. They are a great bank.
Interest Rate
Very good. They got us into a low variable rate that doesn't fluctuate much at all. Very happy with it now.
Loan Officer Service
He was very helpful and knowledgeable and made great effort to get us the best loan possible. Very nice process overall.
Overall Rating
Pros
I like that they keep their loans. We've been with this bank for 10 years now and had our mortgage there the whole time. They are easy to work with and understanding.
Cons
The only qualm I have is that there is no branch in my immediate vicinity. I have to drive 20-30 minutes to get to the closest branch.
Date: September 02, 2018 Age: 29 Gender: Female Marital Status: Married
Closing Fee
The closing costs and fees seemed to be much lower than the competition. Our family friend recommended us to this bank and knew the loan officer so we got an even better deal.
Interest Rate
I locked in a 3.5% interest rate, so am very happy about that. This was on a 30 year mortgage, 5 years ago. The interest rate is now 4.5%.
Loan Officer Service
A family friend knew the loan officer so we received a good deal, and he worked with us closely to make sure we understood everything we were signing up for.
Overall Rating
Pros
Because this bank didn't really have a lot of frills, it could keep the closing costs low. I liked the prices they were able to offer and the services.
Cons
I didn't like that I couldn't do any banking online or check how much my mortgage had left to pay off. I would always have to call the bank and ask or go in person.
Date: August 02, 2018 Age: 41 Gender: Male Marital Status: Married
Closing Fee
They were low and fixed. I have no complaints. They were very good to work with. I would use them again.
Interest Rate
It's a good rate and the best one we could get. The lender was very accommodating and worked with us so we would pay as little as possible.
Loan Officer Service
Our loan officer was very helpful, friendly, and accommodating. He got us the best rate and worked closely with us through the process.
Overall Rating
Pros
They were great to work with. They gave us a great rate. There were no hidden fees and they hold onto most of their mortgages so we've only ever dealt with them.
Cons
The only thing is perhaps better online tools. They didn't have many at the time and perhaps it would have been more helpful to have something more online.
Date: June 06, 2018 Age: >60 years Gender: Male Marital Status: Married
Closing Fee
Our lender had relatively low closing costs. We had to pay for an appraisal which I think is pretty standard.
Interest Rate
At the time the rate was very competitive with other lenders in the area. We were very pleased.
Loan Officer Service
He has taken the time to talk with us and get to know us personally. He obviously cares about our needs.
Overall Rating
Pros
We have been with this bank for several years. They have been great. They also allowed us to set up a line of credit we have never had to use.
Cons
They recently began charging us a fee for the money market. They had originally told us they wouldn't need to do that annually.