Date: August 13, 2018 Age: 39 Gender: male Marital Status: Married
Closing Fee
It seemed high at first but it seems like a standard cost that all people have to pay when buying a house.
Interest Rate
It was the going rate at the time but it dropped down another point shortly after I locked in but my credit union makes it easy to work with. I can pay extra and it goes directly to the principle.
Loan Officer Service
Seemed like standard procedure, they took my info, did their magic on their computer and helped me get the loan. Nothing special.
Overall Rating
Pros
They said they wouldn't sell my mortgage off to another lender which seems nice. I can transfer money on their website and it very easy to see where I'm at with it.
Cons
I don't have specific gripes or complaints about them. I get it is a 30-year process to buy a house so you just have to deal with it and pay it off.
Date: August 31, 2018 Age: 40 Gender: Female Marital Status: Married
Closing Fee
There are so many fees involved with closing. I understand some fees. But charging to print the papers is ridiculous. Also a notary does not make $30.00 for notarizing a document.
Interest Rate
We were encouraged to refinance to lower our interest rate and payment. It lowered it about $200.00 which was helpful. But now because of taxes and insurance we are right back at our original payment.
Loan Officer Service
He was nice. But I do feel like he left out some important details. Once he realized we needed a lower payment I feel like he got the payment lowered but did not inform us that the pmi would remain on there.
Overall Rating
Pros
At the time of purchase they had the best rate, They were also able to get our loan processed quickly.
Cons
Hidden fees, hidden costs, the way they make you feel when you ask questions.
Date: February 06, 2018 Age: Above 60 Gender: Female Marital Status: Married
Closing Fee
Closing costs were a little higher than I was hoping, but not higher than I was expecting. My lender was upfront about it all.
Interest Rate
I received an interest rate of 3.5%, so I was happy that my good credit allowed me to get a low percentage.
Loan Officer Service
She was helpful, open, honest and was quickly to respond and answer any questions I had during the process.
Date: February 09, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Closing Fee
The closing costs were typical of any company. Maybe it could have been a little better but because my interest rate and all around mortgage process were easy and great I would have never thought about leaving or looking elsewhere since they were so great.
Interest Rate
My interest rate and PMI are great. I haven't found any other company that could do better than what I have. I would consider re-financing in the future with the same company.
Loan Officer Service
My officer was awesome! He would keep me updated on the whole process. He walked me through all of my options and what would/could happen in the future. Instead of a stuffy office space, we would meet for coffee at the local coffee house. He went above and beyond for me and helped more than he had to,
Overall Rating
Pros
The Lender treated me like a friend, an actual person, and not just a number. They understood that I wasn't completely confident with the mortgage process and walked me through the process and my options. I was with another lender prior to deciding to use this one and they didn't seem to care. They would rush me and not return phone calls. Like all they wanted to do was close the deal and make money off of me. I appreciate someone who takes pride in their work and cares about the people they work with.
Cons
Truthfully there wasn't anything bad about the lender. Maybe I am naive because this was my first time buying a home and didn't know much about the process. But what I do know is people, and these people were genuine and great.