Renee Duval and team worked diligently to help me through the entire home buying process. She was…read morenever too busy to answer a question or provide a solution. I highly recommend Renee and Merrimack Mortgage!

From the owner: The Concord branch of Merrimack Mortgage Company (NMLS#97958) is where Carol Jordan & Renee Duval…read morehave been doing business for the past 20 years. We think outside the box and make things happen for people. We care about our customers personally and put a strong effort into making things go smoothly.

What started as a promising experience with Regency Mortgage turned into a stressful hassle. My rep…read morewas Kathy Malloy, who at first, was very responsive and found a loan program that fit my needs. These were my primary reasons for choosing them. However, this is where the good review ends. Upon finding a house and reaching terms with the seller, even after a low appraisal, I received the closing disclosure from Regency Mortgage. The numbers didn't look correct to me, and even though the error would have been in my favor, I asked Kathy to check them and explain them to me. I didn't receive a good explanation, but she assured me that the numbers were correct, and I signed them. On the day before closing, the final numbers were sent to the title company. I was getting ready to go to the bank and get the check for closing costs when I got an email from Kathy stating that the disclosure was incorrect and that I would need much more money than was stated in the disclosure. Good thing I saved up some extra money. Keep in mind, delays at this point could have prevented me from getting a check of the proper amount to have at closing. I then waited to receive an updated disclosure. I reviewed the numbers and they were still not correct. I then received multiple disclosures in a row that were incorrect and had to go back to the underwriter. As if homebuying isn't stressful enough... Finally, all seemed correct. But I asked Kathy why my closing costs were so much higher than expected given the various items I had taken into consideration in my thorough reviews of the numbers. She told me that I would be receiving a reimbursement of the appraisal costs, and that this reimbursement would bring the cost back to what was expected. I was initially surprised that I could get that money back, but she explained that the seller would ultimately pay for that even though I didn't ask the seller to pay any of my closing costs. So I signed the disclosure, got my check for closing costs, and closing went smoothly. Kathy told me to expect a check within a couple weeks of closing. I waited for a payment from Regency Mortgage for a month, and didn't receive it, despite receiving other items in the mail from them (such as a tote bag with their emblem on it and a card signed by Kathy). I reached out to Kathy and asked where the check was. She said it was sent out weeks ago. She then told me that the check would be cancelled and a new one would be sent out. I then waited and didn't receive it. I started reaching out to Kathy each week and she would no longer answer my emails or take my phone calls. Finally, one day I received an email from Kathy asking me why I expected to receive any money from Regency Mortgage. She told me that closing costs were higher due to certain fees and made it seem like I was confused. She attached a document that she stated showed that I was already credited for that money in the closing costs. I wasn't confused. The document was the closing disclosure, which didn't show such a credit. I was furious. After getting the run-around from Kathy for many weeks, she had suddenly decided that I wasn't going to get the money that she had previously said I would receive. Fortunately, I had multiple emails from her that mentioned the reimbursement, including the final email I received from her before getting the closing money check. I forwarded her own email message back to her. She apologized and said she would request a check to be sent out to me. Victory! Well, not quite. I then waited for the check and routinely reached out to Kathy inquiring about its ETA. I again received radio silence from her until I called the company and talked to someone else who said they would look into it. I made it very clear to them that I was unhappy that Kathy was being so unresponsive. I received a credit from them on my credit card soon after. In the end, it all worked out. But not without many underwriter errors, receiving poor explanations from Kathy regarding the disclosures, being treated as if I was confused even though they had made the mistakes, and being subject to terrible responsiveness when they owed me money. I don't know if they are crooked or just plain incompetent, but I don't recommend this experience to anyone. Stay away from them if you can! And if you find yourself stuck with them late in the homebuying process like I did, make sure you read and understand all of the numbers, get everything they promise you in writing, and don't give up when they become unresponsive.

They were not very good at all with communication. I had to chase down my rep a few times. She kept…read morepromising me that this was going to work out, despite my own feeling that the I was not going to be approved. I asked that she help me with a "Plan B" just in case, and again her response was to not bother b/c it was going to work out. As you may have guessed, it in-fact not work out. And I wasted a lot of time and now 4 months later they are charging my credit card for the "appraisal" that they did - . Ultimately I went with Quicken Loans - they were the best and they were straight with me. I wanted to stay local and support local business, but after my experience with RMS and then another local bank, I needed to do what was best for me. Take Away: Don't use RMS -

From the owner: Government Insured Loans FHA 203kS Rehab…read more USDA Rural Development 100% Financing

If you want an expert in your corner for the biggest purchase most people ever make. Meghan and her…read moreteam is who you want. They are FANTASTIC!!! I can't say enough nice things about Meghan. She has helped my fiancé and I purchase our first home in December 2021. From the very first day it was a pleasure working with Meghan. She explained everything as the loan process went along and encouraged us to call her any time we had a question. Which we did. She secured a great rate for us and everything went off without a hitch. Meghan and her team is definitely our go-to for loans and I will definitely recommend her to anyone who could use their services. Thanks Meghan! We love our new home and thank you for the cutting board. Happy New Year!

***Urgent Warning for Borrowers -- Federal and State Agencies Investigating This Credit Union's…read moreLoan Practices*** If you're a borrower with this credit union -- especially with a Home Equity Line of Credit (HELOC) -- you need to check your statements and pay attention. This institution is now under investigation by federal, state, and supervisory regulators for serious servicing misconduct. The National Credit Union Administration (NCUA) has formally entered NHFCU into the Consumer Sentinel Network (CSN) -- a federal database used to track fraud, abuse, and violations across the financial system. This is not routine oversight. The CSN is operated by the Federal Trade Commission (FTC) and is shared with: The Consumer Financial Protection Bureau (CFPB) The Department of Justice (DOJ) The Federal Bureau of Investigation (FBI) The National Credit Union Administration (NCUA) State Attorneys General and banking regulators The Financial Crimes Enforcement Network (FinCEN) Once an institution is in CSN, it becomes part of a multi-agency enforcement watchlist. That alone should tell you how serious this is. What Happened? This credit union unilaterally changed how HELOC payments were applied -- increasing interest, delaying principal reduction, and distorting amortization schedules -- all without notice or consent. When questioned, they: Refused to provide servicing records Ignored federal servicing error notices Dismissed borrower concerns And worst of all -- allowed the harm to continue compounding What You Can Do If you've experienced: -Unexplained changes in how your HELOC or other loans are applied -Missing disclosures -Stonewalling from compliance or servicing staff -Unexpected interest charges or payoff inconsistencies File a complaint immediately with the NCUA Request that it be entered into the Consumer Sentinel Network Submit a parallel complaint to the CFPB to ensure federal tracking Document every phone call, email, and discrepancy Why It Matters Regulatory investigations are ongoing -- but you don't have to wait for the outcome to pursue your own legal remedies. Regulatory oversight and civil enforcement operate independently. Every borrower who comes forward strengthens the case for systemic enforcement and accountability. This is not just a "bad experience" -- this is an institution that's been flagged at the federal level for practices that are now under multi-agency scrutiny. Borrowers: speak up. Protect your finances. File your complaints.

Worst bank ever! Constant login issues! Tried to pork me on…read morea mortgage application as well. While leading me to believe I qualified and then denying the loan. Had to fight like hell for about a 600 dollar charge to be refunded. Stay away from this bank with a 20 Foot pole! Terrible!