I have used different banks over the years, but this bank takes the torch. From service to quality…read moreand experience, they treat me like a millionaire banker with my few dollars I take there. Today in particular I, was feeling overwhelmed with the ongoing of things, but the smile of the lady at the welcome desk, felt like sunshine upon my face on a winters day. She did not do anything, but welcome me with that smile, that said ' all is well' I left the bank feeling so good about myself. Due to bank security I could not take her photo, but I wanted to share this. Wonderful place to bank.

The Nightmare of Doing Business with Navy Federal Credit Union Mortgage…read more I rarely write public reviews, but the experience I had with Navy Federal Credit Union's mortgage department was so egregiously mismanaged, disorganized, and downright disrespectful that it would be irresponsible not to warn others. What was supposed to be a joyful process of purchasing my dream home turned into an emotionally draining and financially damaging ordeal. Let me be clear: I am a high-earning entrepreneur with a long-standing banking history, excellent income, and consistent cash flow. Millions of dollars flow through my accounts each year. And yet, I was treated with suspicion, neglect, and incompetence every step of the way. Navy Federal demanded that I change the title of the property into our name prematurely, knowing full well it put us at legal and financial risk before they were willing to finalize the loan. This move alone jeopardized my family's security and created significant exposure--all under the promise that "everything was moving forward." Spoiler alert: It wasn't. From there, the experience devolved into a circus of compliance hoops: We paid off every lien and tax obligation they flagged We provided every document, letter, form, and verification they requested--many of them multiple times We jumped through every shifting goalpost without hesitation, because we believed this institution was operating in good faith And yet, they continued to drag the process out for weeks with zero urgency, a complete lack of transparency, and no accountability for their delays. We were passed from one clueless rep to another, forced to explain ourselves repeatedly, with no consistency in communication or follow-through. The final straw? After months of compliance and good faith, they denied the loan based on the IRS not yet updating the tax transcripts to match our recent returns--a known issue that takes 15+ weeks. Even though they saw and acknowledged millions of dollars in income, clean returns, and third-party CPA verification, they decided to play the "policy" card. A policy that punishes legitimate business owners for the IRS's delay, and one they knew about upfront. Not once did Navy Federal offer a creative solution, fast-track option, exception path, or direct communication with underwriting leadership. We were left bleeding time, bleeding money, and missing opportunities while they sat on their hands. To add insult to injury, real estate professionals across the industry warned me after the fact: "Navy Federal is a nightmare to work with. They always delay and kill deals." That reputation is well-earned. Agents avoid them like the plague for this very reason. And now I understand why. I gave Navy Federal every chance to act with integrity and efficiency. Instead, they wasted months of our lives, inflicted financial harm, and proved that they are ill-equipped to handle anything outside of cookie-cutter borrowers with W-2 income. If you are a business owner, investor, or high-net-worth individual--do yourself a favor: DO NOT waste your time with Navy Federal's mortgage department. They lack the systems, the sophistication, and the strategic thinking to serve high-level borrowers. And most importantly, they lack the customer service, communication, and compassion that every client deserves. This was a nightmare--period. And I'm speaking up so you don't have to live through the same one.

Buying a house can be very stressful or pleasant. Mister Soern made sure my experience was very…read moresmooth as much as possible. He took the time, patiently, explaining the whole process -and it is a big one- but soo worth it!! With his explanatory emails and phone calls advising step by step what was about to occur and anticipating on what and how is it done the entire application and whole documentation needed, helped me with anxiety and deal with it getting things done correctly and timely. I would DEFINITELY referral him to friends, family and whoever would like to buy a house.

We were looking to refinance our home in Roswell. We got quotes from about 3 other companies and…read moreDamian with Assurance Financial was the best overall. Damian listens to you and is not high pressure at all. He was very quick to respond to any questions and got us a good rate and we settled with 30 days. Damian was also able to get the appraisal waived! I highly recommend Damian and Assurance Financial.

Excellent service. It is a real pleasure in this day and age to find a company that performs…read moreexactly as they say they will. Chad and his team was very responsive and all the details of my experience was just as I expected. No surprises. I would happily refer them to anyone needing their services. I trust them moving forward with my financial needs.

Recently completed my third mortgage with the AHL team. As always it was a great experience. They…read moremake everything easy to understand and the process moves swiftly! We closed in 3 weeks from initial contract without issue.

The entire process with Ping Mortgage was fast, smooth, and very straightforward. Everything was…read moreexplained clearly, and the loan moved forward without any delays. I'm satisfied with how efficiently everything was handled.

Ping Mortgage - A Trustworthy American Dream team I worked…read morewith Ping Mortgage last 14 years. They are my only one stop shop for any mortgage need. Ping has a great staff to support the closing shove through the paperwork Lenders need. They have a well-established network of partners to provide the best rate and closing cost. I bought a national Legal plan and found out even the plan's covered closing attorney fee adds up to be higher than paying out of pocket to Ping's. My friends had other challenges, such as self-employment, low credit score, low down payments, high debt to income ratio, various immigration statuses that present questions and challenges. Yale has been able to navigate different circumstances and close the loans to help achieve their American Dream.

Lee was down to earth and super helpful. From the very start he seemed like he was here to help me…read morefigure it all out, whether or not I chose to go with Northpoint Mortgage. I was offered a slightly lower interest rate through Wells Fargo, but they were the worst at communication - couldn't remember my name, couldn't remember account information I had already given them twice, couldn't get a form emailed to me for 2 days that kept me from locking in a low interest rate they had offered me. I also hear that WF tends to mess up appraisal dates and mess up closing on time for various reasons. Northpoint Mortgage gave me confidence that none of those negative things would happen if I went with them. Every time I communicated with Lee it felt personal, professional, and gave me the utmost confidence in his ability to get me closed with no problems. To me it was totally worth the extra 0.165% on the interest rate to make sure my house closed on time and to have it handled with the personal courtesies & professional attention to detail that Northpoint offers. My closing went smoothly and I'm glad I went with Northpoint. The saying goes, "you get what you pay for" - and in matters as important as closing on your home, go with the BETTER mortgage lender (whose rates are also good compared to other mortgage lenders).

We couldn't be happier with the loan process at Northpoint Mortgage. Paul Howard was our loan…read moreofficer and exceeded our expectations. He came highly recommended by our realtor and now we know why. He worked quickly to get the loan ready for our home closing. If you're buying a home, call Paul!

Roll out the red carpet because the Moreira Team has made my cross-country move from Washington…read moreState to Georgia feel like a breeze! So there I was, almost settling for a 'meh' mortgage deal--$400K, 20% down, and a steep 7.45% interest rate. I decided to have a second opinion and Found Moreira Team with so many great reviews, so I decided to contact them. Enter Lucky, my mortgage matchmaker. Within half an hour (no joke!), he rang me back with a deal that had my jaw dropping: $470K approved, just 3.5% down, and a 6.75% interest rate! But wait, there's more: The team had a cherry on top: They referred me to a superb Realtor named Catherine, who gave me a grand tour of Georgia homes. From there, Taylor and Amanda whisked through the paperwork, ensuring everything was ready in two weeks. For a first-time homebuyer, they turned what could've been a daunting drama into a smooth, feel-good experience. I'm so happy I found them! So if you're in the market for a great mortgage team, look no further. This team is the best!

I found Moreira Team through all the reviews here, and they were right. From the time I first…read morereached out to them more than a year ago to when I finally found a house this year, they were communicative, responsive, and honest. They worked so fast to help me meet the seller's request for a more accelerated closing period, and throughout the process I always knew what was happening and what I needed to do next. Highly recommend them.

We bought an investment property in GA with James in 2018 and sold it in 2022. He was also our…read moreproperty manager during that time. He came recommended to us by a friend who had also bought investment properties with him and our purchase and subsequent sale was smooth. He found us a buyer while it was still tenant occupied. During the 4 years we held the property, and compared with other property managers, we didn't feel that his services were worth his fee. We opted for the hybrid fee model yet we ended up doing most of the communicating with the HOA and the renter ourselves. At the end of the day, his relationships are with the sales people of the builders, and once they transition to the community's HOA, James had no contacts and just told us to handle ourselves. We felt that we should've gotten higher rent for the property and better tenants. The first tenant he found wanted to break the lease and James didn't really know how to handle that other than to talk to the tenant. As a lawyer myself and from experience, I knew how to take legal action and drafted the proper paperwork myself. The second tenant he found was fine except he kept contacting me directly because he said James wasn't handling his concerns. Tenant eventually asked me to just renew his lease without James because it was easier that way. Since neither landlord nor tenant felt properly taken care of, we just decided to offload the property and exit the GA market altogether. Chalk it up to lesson learned and to stick to the market that we know personally. Furthermore, he left my phone # on GA public records even after our sale so I get calls and letters weekly from GA flippers looking to buy the property we no longer own. Fun. Lastly, he kept asking me to write a positive review for him on BiggerPockets while he had only just started managing our property. Didn't make sense to me as his job had only just begun and anything could still happen (and did). So I'm now writing an honest and non-emotional review 5 yrs later to present the full set of facts. Cross-posted on Zillow and Google.

I have worked with James on many occasions and he always exceeded my expectations…read more His expertise and knowledge of the market is second to none He helped me to buy several rental properties and find great tenants for it. Recently he helped me to refinance my home as well as James also owns a mortgage company. James had everything done extremely fast and we closed in 2 weeks. The one things I really like about James and the reason he is the one who manages my rental properties is that he has extensive experience and an extremely thorough tenant screening process related to income and credit qualifications, This enables him to find good reliable tenants. All my tenants that James worked with speak highly of him as well. I recommend James for any of your real estate needs including financing.

Carolina at PRMG is hands down the best loan officer I've worked with. She was clear, responsive,…read moreand made the entire process smooth from start to finish. You can tell she genuinely cares and knows her stuff. Highly recommend!

PSA: Sellers do not trust a preapproval from this lender. Buyers do not work with these people…read more My biggest issues: 1. Very little communication 2. When they do communicate, the lie. I had a contract on the sale of my home. We went under contract on March 13th. There was an appraisal contingency that expired on April 3rd. We were to close on April 13th. On Fridat April 10th the loan officer Patricia Dewendt Rumbos informed us that we would not be closing on Monday the 13th and that the loan wasn't even out of underwriting. Excuse me?!? 7 days after financing contingency we still aren't even conditionally approved. So they moved closing to April 17th. On April 16th they informed us once again we would not be closing. They moved the closing date again to Monday the 20th. Once again they told me that we wouldn't be closing. In fact the lender lied and told me that the buyer didn't want to move forward when that wasn't the case, they didn't qualify. They should have denied the loan but instead they allowed the customer to withdraw. During majority of the process, Patricia Dewendt Rumbos didnt respond to multiple emails. I called corporate and asked to speak with her manager. They gave me Shirley's contact information. She is absolutely useless. She never answered a single phone call and never returned a single voicemail. I called corporate again and asked to speak with Shirley's manager. Finally I was put in contact with Ricky. Ricky seemed to spark some motivation in these useless loan officers. I finally started getting information. Even though the information was negative at least they learned to respond to emails. I have yet to receive a returned call from Patricia or Shirley. I am absolutely amazed that they are still in business. They are very unethical, irresponsible, and they do not care how much they are affecting your life. Please save yourself the heartache and frustration and take your business elsewhere. I am out $3,390 due to their incompetence. They will say this is due to COVID-19 and the drop in rates and therefore increase in refinances. I have multiple issues with this. 1. Purchases should ALWAYS take precedence over refinances. Purchases involve two families, packing and moving, turning on and off utilities, etc. Refinances include one family and that is it!!! They can wait. 2. I work in the mortgage business. My volume of loans trippled in 30 days. I managed to move out of my house, find a new house, and close EVERY loan on time. There is absolutely no excuse for the amount of time it took underwriting and absolutely no excuse for the lack of communication.

Since I participate in direct deposit and rarely have any "extra income" checks to cash, I rarely…read morevisit a local branch of my credit union. But when I do, I go to the Cumming, Georgia, branch since it's closer to work. And though I'm not often there, the ladies behind the counter treat me like I'm there every week. We've chatted about jewelry, hairstyles, weather, traffic, etc. And it evokes that small town, down home, familiar-face feeling that's often missing in the big city down south. And in case you're wondering, credit unions rock. They don't have crazy fees like the big banks, and they offer all the same services. Gotta love that in this economy!

I am 2k from paying off my loan. The Credit Union has not reached out to communicate with me at…read moreall regarding my account. My account seems to be closed or inactive. This is horrible Customer Service. I've been a member for 17 years. It Would've been great to receive a notice or communication before closing my account out. I'm so dissatisfied with this service.

I was in the corporate finance business for 35 years, I'm retired now but continue to advise people…read moreon financial subjects ranging from how to manage to retire decently to how to value their family business. Because of that I am picky about who manages my personal money. I have been with Schwab for close to 40 years and in that time I have continued to be impressed with their business model. Their people are not paid off of commission so you can be assured that they are not giving advice based on making a buck off of you. They give advice based on what is good for you. There are multiple levels of service. You can start with them just out of school, invest for close to nothing, get access to their great research, and or work with some of their standard investment advice tailored to your risk appetite, etc. You can open a Schwab One account with no minimum, no charge for online trading, etc. At some point, when your portfolio is sufficiently large, you can join their Private Client service where you get a dedicated Financial Consultant, access to a wide range of specialists, tailored solutions, and pricing advantages meaning very low prices for almost everything... Later if you build substantial wealth they have a Private Wealth Management service which offers expanded services... All of their plans are based on fees that are independent of trades, sales of products, etc. You can always depend on Schwabs people to look out for your best interests, unlike some other brokers who may have incentives to steer you to investments that make big commissions for the broker. On of the reasons that I was able to retire early was the excellent investment advice I was given by Schwab. My financial consultant talks with me periodically to discuss balancing my portfolio, managing my tax situation, assisting with any big spending needs that I foresee. He even assisted with a temporary loan against some of my assets so that I could build a new home prior to selling the one I was living in. This is simply world class service as far as I am concerned. My personal consultant as well as the consultant in Atlanta who works with me have both gotten to know me and my wife. They have visited my home in SC, they occasionally offer to take us out to talk at a high end restaurant. They know my personality and are able to deal with my financial needs as a result of that personal connection. The returns they earn me are very good for the evil of risk I am willing to take. I can say without a doubt that they have saved me substantial sums of money by watching mu portfolio and warning me when they found investments that might be headed South. I could not be more pleased with a broker. I advise all the folks who ask me for help to consider Schwab and I honestly hold them in the highest esteem. If you are interested call (678) 297-7749 and ask for Sarah Glover... You don't have to live near Atlanta to do this, I'm living on Lake Hartwell in SC. BTW all I get for recommending them is the personal satisfaction of seeing people do well financially. I hope everyone out there spend less than they make, invests consistently, pays off their debt, and grows wealthy over time. It's not as hard as you might think, it just takes some planning and discipline.

From the owner: Chuck Schwab started a stock brokerage company with a simple question: isn't there a better way?…read moreThat question led to the establishment of a new kind of investment firm - with a more contemporary approach to wealth management based on a set of core values and beliefs, not just profits and losses. These core beliefs have led to 40+ years of serving clients, innovating on their behalf, and developing brokerage products and financial services that put them - not us - first. At Schwab, we offer a wide range of wealth management services, personalized financial advising and retirement planning, and expert investment research, as well as a number of complimentary workshops covering everything from investing essentials to complex trading strategies. Brokerage Products: Not FDIC Insured - No Bank Guarantee - May Lose Value