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Banking reviews in Albuquerque
contact to get my business. He gave me a written estimate with very
low closing costs (about $500) , which is why I chose to go with
Bank over the other lender I had already started working with. When the good
faith estimate arrived, the closing costs were over $2,500, and the interest
rate was higher than we'd originally discussed. I spoke to
that I was surprised and unhappy about this. He informed me that they were processing
the loan as a correspondent loan because my down payment source was gifted
funds. I am not in the mortgage business, so I looked up the term "correspondent
loan" since he did not explain this. Essentially, it means they sell the
loan immediately upon closing. I was really disappointed with this considering
that we'd discussed using gifted funds as the down payment in our initial
way. When I pointed this out, he became very defensive and stated that
"this is why we don't collect your application fee up front". So
essentially, I could walk away and not
That's great, however; that would entail starting over with a new lender and
probably losing the home that I wanted. I also asked several questions about
the process and the information they wanted for the application.
that if I continued to ask questions that the loan would not close on time. I
found that to be very rude. As a consumer, I expect to be able to ask all of
the questions I want and have them answered. At this point, I stopped
She did all that she could to get the loan through underwriting in time. In the
end, I closed 4 or 5 days later than I wanted. I can deal with that, I had a tight timeframe
(just under 30 days) and unforeseen circumstances pop up. However; the dismissive behavior and horrible customer
service were inexcusable.
me on the hook and I couldn't walk away without losing the house I wanted, so
why provide decent customer service at that point? I would not recommend this
bank to anyone and I will not do business with them in the future.
Today (7/23/14) we were doing final paperwork to sell our house and FSF was on it as being owed $677 as a "second mortgage." I called FSF, spoke with
By lying to customers, apparently. I told him I would be sure and share my experience with his company. This is, at best, completely unethical, and I would urge any borrower to be sure not to rely on any verbal communication with FSF's representatives.
All Credit Unions in Albuquerque, NM
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