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Embers Credit Union

2.5 (4 reviews)
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Services - Embers Credit Union

Mortgage services

Personal banking

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Midwest Loan Services - Website message

Midwest Loan Services

(25 reviews)

I refinanced my home mortgage from 30 yr 4.50% to 15 yr 2.49% in 2021. Switching to Midwest…read more The ppl handling the loan where kinda ,not very good. It was like it was their first week on the job. Through emails there was a lot of stupid going on. One guy said that if my existing mortgage company dont reply to pay off amount , then I'd have to step in? Because they emailed them and didnt get a reply yet. THATS NOT MY JOB. They charge thousands to refinance and want me to do their grunt work? NO! Every question they answered was wrong or 2 different ppl had 2 total opposite answers. After the loan was switched ,my home insurance sent me a letter that my insurance wasnt paid and I was going to be canceled because my mortgage company didnt pay it. I called insurance company and Westfield paid all but 200.00 of my home insurance. Which was stupid. Why not pay it all correctly? So I had to call midwest. I also asked the widest agent if I can pay my mortgage at Genisys credit union who is affiliated with them where I got the rates from and learned about midwest . My mortgage statement bill has Genisys right on top of bill. The guy,I think Jason said " yes you sure can. So I wrote the check and took the statement up to Genisys to pay,the teller said " I'm sorry but you have to mail that in. We dont process payments here". WOW ,what a moron. So if you get a refinance/loan with Midwest dont trust everything they tell you. Some of the ppl there dont know and dont check answers before telling you things that you ask about.They just tell you anything. They also emailed me less than 24 hours before the lady was coming to my house to sign papers for closing that I had to pay my home owners insurance for whole year before we closed on loan. It wasnt due for a little over a month. WHY DIDN'T THEY tell me this at first? Why only email day before & me not call me ? Especially when I was closing on mortgage in less than 24 hours. Lucky I saw my emails that day.I dont check emails every day. I called and they agreed to roll it into loan. BUT STILL,why stress me out like that?

The quality of service is below average. They sent important paper with misspelled names and…read moreerrors, creating big headache for customers. They have ridiculous internal communication. One department say one thing, other dep. say opposite. They called and said they did not receive payment, other dept. said disregard that call we did receive payment. Suggesgion for banks, not to hire this contractor for financial services until they improve quality of their work.

Embers Credit Union - banks - Updated May 2026

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