My husband and I just attempted to get a mortgage through Farm Credit Services. Given our experience, I would never recommend them for their lending services.
It was very difficult to ever reach our contact at the bank, the appraiser they sent was terrible, and the whole process seemed to drag on forever because of their lack of drive.
Also, the interest rate was high. We explained that our credit was excellent and they told us that our credit doesn't matter because they only offer one rate to anyone who qualifies. What?
These factors added up and caused us to almost lose out on our house.
We ended up contacting another local bank to see if they would appraise the home any higher, and they did. They offered us a lower rate with better terms and they are speeding up the closing process to within a week and a half of our application date!
I recommend shopping around for your mortgage before settling here. read more