I was somewhat satisfied, it was much lower than anywhere else, however, there were some unforeseen costs that seem to arise last minute at closing. overall it was good.
Interest Rate
I feel that I have the lowest interest rate of anyone I know. I managed to get my loan right before mortgage prices jumped up. I could not be happier with the rate, however, the process of getting the mortgage was stressful and lengthy with a lot of issues right from the get-go.
I had done my research for weeks and decided on my lender based on their unbelievably low rates and even low closing costs. I had my lawyer help with some of the closing documents, and even he commented it was the lowest interest rate he'd seen on his desk all year. I procured my loan in Nov. of 2017. 30 year fixed rate of 3.75APR.
Loan Officer Service
Not really, I had a difficult time working with Him. I actually had to switch loan officers midway through the process because of how abrasive the original loan officer was. The new officer was wonderful but the experience was already tainted.
Overall Rating
Pros
they offer the best rates around and the lowest closing costs. They have no lender fees. I couldn't be happier in this regard. The part of the process that was online was great also.
Cons
the loan officer was abrasive, the process at times was ridiculously complicated with them requiring what seemed like never-ending paperwork and such from me. They were super strict about credit and needed all sorts of info from me most banks do not require. It was stressful and they were wavering on giving me the loan right up to the last minute. Also, a lot of phone calls and emails back and forth with the company which was time consuming and a lot of work.
Date: June 18, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Closing Fee
I'm not sure what are closing cost was at the time because we took out a construction loan
Interest Rate
I am not exactly sure what we locked in at the time we locked in but I believe it was 3.2 at the time. I wouldn't go to a different lender because I don't think they could offer anything else. Had this lender for years and trustworthy
Loan Officer Service
I had a very smooth transaction with our loan officer. He was very willing to work with us to make it as smooth as possible. He answered all our questions in a way we understood
Overall Rating
Pros
I have banked with them for over 5 years. They are my local community bank. Everybody that works there I am familiar with
Cons
I cannot find anything that I dislike about my bank. Always willing to work with you and answer questions