This bank as a whole needs to upgrade their system. I am constantly receiving overdraft charges…read morewhen my current and available balance shows positive funds. They say you can opt out but they still charge you the same fee either way! They only allow two overdraft reversals in a 3 year span which is ridiculous when it's not even my fault! You should not be penalized for a pending transaction! No other company I bank with does this!

Anita P. I have been a very satisfied ESFCU customer for…read moreover 15 years. My banking experience with them has been the best! I am greeted in a friendly manner whenever I enter the bank. I feel valued and appreciated and I am quickly and efficiently given service. I had a problem with a stolen mortgage payment and the bank quickly reimbursed me and started an investigation. I cannot say enough good things about ESFCU. I have incredibly low interest rates on my car and credit card loans with them! They are a not-for profit organization and customers are their priority!!!!

Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

Brian was absolutely outstanding, and guided us through the entire mortgage process (as buyers)…read morewith poise and humor. We would absolutely use Brian again if we needed to get another mortgage. Cannot recommand him highly enough!

Robert Spies was Great! He was professional and provided excellent support to me and my family. We…read moremoved into our dream home a couple of days ago and I can only say how dedicated and efficient Robert and his team were in preparing us to reach our final goal. We are so elated we chose him and his team and will do again if provide the opportunity. Excellent work! We are so grateful to have worked with Academy Mortgage.

One stop shop! Robert Spies and his team made my home buying process effortless!!!!!!! He explained…read moreeverything in as much or little details as I wanted. He works fast and effective. This is my second home using Academy Mortgage and I will never use another company. This is the best of the best. Robert know how to pick the correct loan to meet your needs and works overtime to make his clients happy! Let's just say I am one happy client! No one likes to write reviews unless your experience is really bad or really great! I will be writing reviews on every site that I can expressing what a fantastic job Robert/ Academy Mortgage did and how easy they made my life during the home buying process!

I just bought my first home and used Boris as my lender. He was extremely helpful and very…read moreavailable at all times of the day. Whenever I had questions, I would text and he would immediately call me to explain in detail. He is extremely knowledgeable in all loans especially the VA loans. I highly recommend Boris for his services.

It's gonna be hard to write this review without sounding like a paid endorsement…read more This man simply meets all expectations without disappointment. I've personal done 2 mortgages with Boris and both times he went above and beyond. He is extremely knowledgeable in his craft and is able to relay that information in layman's terms. There were several instances in the home buying process where he was able to step out of his area of expertise and provide his valuable insight. One such instance saved me 600 dollars. Overall, I will be looking for this man as long as he's in business.

"I have been referring friends and family to Brent Mendelson since my first home purchase in 2014…read more I called him again in 2019 to make sure we were financially sound to finance a new home. He helped me make sure everything was in order and in 2020 Brent helped us finance our second home. Then again in 2021, he helped us get an amazing refinance for a much lower rate. Brent is by far the most knowledgeable, professional and honest mortgage broker I have ever worked with. His personal attention to detail is a great comfort to me. He knows the ins and outs of the VA loan and we received the best possible rate in the craziest of Covid times. I have the utmost confidence recommending Brent Mendelson at Capital Bank knowing that my friends and family are handled with exceptional customer service and professionalism."

Was interested in refinancing so I did some research and also gave Brent Mendelson of Capital Bank…read morea call. Brent was responsive, explained the process, and made it super easy to get a great rate with low costs AND help us to quickly close on our refinance. The only disappointment - we weren't able to beat Brent's 9-day start-to-close record! The Capital Bank website and portal to support the loan process were also user friendly and quite good. If I have ever have home financing needs again I will be sure to look at Capital Bank again and/or call Brent Mendelson. Full disclosure - this is the second loan where I've worked with Brent (first was for first-time home buyer house purchase). If you cannot tell based on my repeat usage I would highly recommend that anyone interested in a home loan reach out to Brent. If you don't have a loan guy, Brent should be your guy!