Casey Bensenberg was great , very helpful. I recommended him to my best friend.
Customer service and professionalism during the loan process is grade A, top notch.
We originally applied for a loan with the company that held our mortgage. After 73 days they we're still playing games with us and we cancelled the application. We looked at farmer,s on line and Scott called within 10 minutes. He was extremely helpful. We started the process and 30 days later signed the loan. Scott was always available to answer question and help with the paperwork. We are very happy and would recommend Farmer's to anyone.
My experience with AIM was somewhat expected. They're a private direct lender on California time with a California work ethic. They're cheap which is what origianlly attracted me, but my God they are slow. The processor and originator were nice and polite, but they have no say over the speed at which the underwriters work--and that pace is sllllooooow. Don't expect to close on time, but if you don't need to and if time is not of the essence, it's cheap.
I asked about gift in equity and the person on the other end of the phone told me they don't do that, when I tried to say forget it he then told me he wasn't sure if they do that. Truthfully he had no idea what I was talking about, and after I explained it a little more he told me it didn't matter and that after I submit everything they'll just change the mortgage to make the down payment work for me. I didn't trust them and stopped the process immediately.
I received the "Refinance for $295" mailing in April of 2015 and was skeptical. We were planning to refi to get a 5 yr. ARM because we are planning to move in 5 years. I first called Quicken Loans to find out what rates they might have. Their cost to do the refinance was way higher (1000's of $) and I was really turned off by their high pressure tactics. They are relentless and I kept getting escalated to managers who applied greater pressure than the last. When I told them about the Third Federal deal, they said it couldn't be true or they wouldn't be in business. Well....
I then went online to apply for the Third Federal refinance. They were already closed as they operate under business hours. If it is important for you to have 24 hour phone support, Third Federal might not be a good option for you. I got a phone call in a day or so and my first question was if it is REALLY only 295. She asssured me it was, although I honestlly still don't know how they do it. Things progressed from there and the only real issue I had was that I had to be proactive in calling them to keep things moving. It just seemed like they didn't have event triggers to let them know a milestone had been reached and action was required. It probably slowed things down by a week or two, but we weren't in a huge rush, so it was only an annoyance and not a deal breaker.
We closed on the loan last week (early June) and everything was as expected. $295 for a 2.9 5-Yr ARM. They don't escrow insurance, so that will encourage me to shop that around each year now too. Closing took about 15 minutes and was in one of their branches. They waited the 3 required days that I have to cancel the deal, and then paid off my existing loan. No issues, no pressure, and a great price.
I do have a good credit rating, so they may be very selective which could be why others have had issues. I don't know, but my experience was quite good.
Loved them/easy to work with/was my first mortgage when I purchsed my home 2010.Then I got sold off to Bank Of America/wasnt so thrilled with them. Sold off again to NationStar who is worse than Bank of America! So wish I could go back to Everbank--have been unemployed since early June 2014 /fell behind on mortgage payments due to unemploy. Just landed a full time job. Had a full time job for 10 years with the fed gov.Cant afford to refinance to a better bank. At 4,5% now 30 yrs FHA
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