To Scott Stevens, Thanks for bullshitting me when you assured me it would be a soft inquiry. A hard…read moreinquiry was pulled on my credit causing it to drop 15 points. I guess lying is the first thing you naturally do when initiating calls with customers.

Dawn Ryan is the person to call if you want your refinance or mortgage fines correctly. Dawn made…read moresure that I met my goals for my refinance. With Dawn's help I was able to lower my mortgage 1.14%. I am not sure what others have experienced but Dawn Ryan is the mortgage broker to work with at embrace. Call her 401) 640-2510

The entire team here is awesome. Small branch but always full of smiles. I appreciate the time they…read moretake to make sure everything is taken care of in one visit. If for any reason there's follow up needed, they make sure confirmation is given. Teller line does get a bit busy during lunch time but they do their best to give alternative options to save you time. I have always come here for my questions, account changes and general banking needs.

A+ for loan approval process and speed…read more F- for everything else. Applied for a loan and was quickly approved. The issue was, that the check was for more than the vehicle contract amount. As a result, I reached out to see if they could just wire the correct amount to the dealer. NFCU would not wire to the dealer. This makes little sense, as wiring it to the dealer would be the most secure option, and would ensure their security of the collateral. Instead, I was given the option to either request a direct deposit of the original funds amount to my account, then wiring it myself to the dealer or reapply for a new loan of the new amount. They would not even reissue the check for a lower amount. I chose to have the funds direct deposited. WHAT A MISTAKE. The process started on Thursday evening, and funds were finally deposited on Wednesday. At that point, I call in to do a wire transfer. I'm then told that it can't be done over the phone, and that I would have to send it as a secure message. The wire process is now slated to take 24-48 hours... That's pretty unheard of for an institution of their size. Wires are designed to have the money be sent within minutes. All in all, the whole process added over a week of delay to the process. Had I known it was this bad, I would have just reapplied on the phone Thursday night, overnighted the check, and had it by Saturday. NFCU should seriously reconsider their processes. These inefficiencies will seriously turn away newer member. Also, prior to this whole ordeal, the dealer told me that they would accept the check, but that they would have to wait until it cleared before allowing me to pick up the car... seems like they themselves have had to deal with these inefficiencies.

George DeVine was very helpful throughout the entire lending process. He made it very simple and…read moreeasy. I would definitely recommend him for any home loan needs.

I recently did my third mortgage with Mike at Land Home Financial. The process was seamless! Mike…read moreis a true professional!

Mike was awesome, he answered all of our questions patiently and honestly. He got us a great rate…read moreand made sure we closed on time! My family is living in the house of our dreams now and I would recommend Mike to all of our family amd friends.

George DeVine was very helpful throughout the entire lending process. He made it very simple and…read moreeasy. I would definitely recommend him for any home loan needs.

From the owner: Atlantic Home Loans is a direct seller to Fannie Mae, and a direct endorsed FHA, VA, USDA, and RI…read moreHousing lender, specializing in residential 1-4 unit, and condominium mortgages.