I have NEVER left a bad review but I have to keep it real. Nick Lemme was a terrible loan officer…read more Not only did he make my experience stressful by being so distracted when I needed answers to questions. He actually yelled at me on the phone and told me he had too many people reaching out to him while I was on the phone with him asking him questions. Really! Try concentrating on my questions while you're talking to me!! Needless to say he NEVER updated me throughout my loan process. I always had to call him for any updates, only to be yelled at. UNPROFESSIONAL I was also inadvertently added into an email chain where he insulted me. I confronted him about it only to be apologized to. Too late! damage done and you already said it. If Nick Lemme picks up the phone to help you, hang up!!

We purchased a home through Homeowners Advantage Mr.Daniel Alix and Ms.Melissa Miller did a great…read morejob perfect guidance throughout the process appreciate their service.Thank you for full filling our dream homeJoseph shibu George Ash Georg

Jim worked on the biggest loan I've ever undertaken. How fortunate it was that he's the most…read moreefficient lending specialist I've ever worked with. The entire financing process was straightforward and transparent. No fluff, no unwanted salesmanship, no use of time that didn't seem flawlessly planned. We managed to do nearly everything over e-mail and text. The lone exception was a five-minute phone call. Jim's demeanor was pleasant and professional, but it's clear he knows how to operate efficiently and pragmatically to deliver quick effective solutions that fully address his clients' needs in the fast-moving world of finance. After eight previous mortgages, and multiple refinances, I thought I'd seen it all. Yet Jim managed to redefine excellence in lending.

Jack and the entire staff at Homestead are extremely knowledgeable and help simplify the financial…read moreaspect of the home buying process. They communicated frequently with us to make sure that we were confident with every step of the process. Jack was especially delightful to speak with and was willing and able to break down the complex world of financing a home. Everyone should be commended at Homestead for their excellent and caring service.

The worst business experience of my life, hands down. Tried to get a construction mortgage through…read moreHomestead. They began requesting documents, we would submit them and weeks would go by before we got updates, generally only after we asked for them. It took 7 months from first contact until we could close! At month 6.5 we were told that the longest building period they would give us was 8 months to build an entire custom home with a $5500 a month penalty for going over. They refused to give us a clause saying that time spent waiting for inspections and disbursements on their end wouldn't count towards the 8 months, even though every other thing they did took way longer than it was supposed to. Finally, they pressured us to close with 2 foot of snow on ground in middle of winter, and when I asked to postpone closing to spring they threatened us with "lots of fees". Finally, when we told them we wouldn't continue with them under these terms, they sent us a $105 bill for "adjustments" to costs of things that we already paid months ago. Do yourself a favor and use a real bank for your mortgage. Everything about the experience was head and shoulders better than with Homestead.

Poor computer system, breaks down frequently. poor service. Worst business banking service…read more Disappointing.

I don't understand how this financial institution can remain in business. I went to take out a…read morewithdrawal and the bank said I had to call ahead to take out a larger sum of cash. First of all it was not that much and I had them call around till they found a branch that could give me the cash. Who'd a thought a bank would not have money!!! And forget setting up online banking. I tried setting up my account to pay my auto loan. Took three months and 4 people to finally get access. Apparently they are not in a rush to get their money either which must be why they don't have it at the branch!!!!!

Cannot talk to anyone without needing to leave a message (Escrow Department). I waited two days…read moreone time, and today, I have still not heard back from a message left, and it has been six hours so far. It is 4:10, and they close at 4:30. I spoke with a manager too. That did nothing. Good luck if you go with SEFCU Mortgage Services.

Sefcu Mortgage services are the worst!!! Especially their Escrow dept. When you house isn't…read morereassessed, and your taxes haven't changed, how is it that they cant seem to get it right?? 1 year they give me a check for $1500 saying they charged me to much. This year they raised my mortgage payment by $270! Saying they didnt take out enough! I would highly advise EVERYONE TO NEVER GO TO SEFCU for a mortgage!!!

I have used CAPCOM most of my life, before then, I used Excelsior Credit Union, which was absorbed…read moreby CAPCOM. I have had nothing but great experiences with this bank. I have used them to finance my first car, finance my student loans, and finance my first house. I must add - I used Jessica Brate as my mortgage officer and she was amazing! I didn't use a real estate agent at all, but she walked me through it all and helped me find a good lawyer, all in all, I couldn't have done it without her. I have never had a fee for anything. I have my account set up to pull any checking overdrafts from my savings, and it just charges me $2. This comes in handy sometimes! I do wish they had some longer hours - but their ATM makes up for it. I can do cash and check deposits from there, withdraw, transfer - all free of charge. The also have a very clean and easy to use app for on-the-go banking. I would recommend this credit union to anyone!

Things started going downhill when they moved to the Winners Circle location. It was almost like…read morethey'd become too big to be the polite and helpful credit union they'd always been. It only got worse with the merger. I will say that I've always had good experiences, even now, with tellers, but anyone else? Nope. Rude, short attention span, and take the first opportunity to get out of the conversation. Case in point. I went there to talk to someone about a loan. I went to the "service desk" which always used to be helpful. The woman first told me she didn't know what I was asking about, then told me I couldn't see them, then contacted the loan officer how said they would not come down to see me. I insisted and they eventually came down, only to be rude, not answer my question and tell me to call next time. This is a place I used to rave about. Not anymore. To use a silly old saying, "They've gotten to big for their breeches." And people leaving reviews, it is Credit Union, NOT a Bank.

I recently hired an agent from Gucciardo Real Estate Group, Guiseppe Tropiano, to sell my house in…read moreAlbany and had an absolutely terrible experience with him. He disregarded all of my requests and broke clear agreements which had been made before hiring him. He was aggressive and applied maximum pressure and threats to get his way, which a sales price far below the true market price. He was only after a quick buck without doing any work. Beware of this guy. Do not trust him. A company is only as good as the people they hire and Guiseppe's behavior is a reflection of the culture of Gucciardo Real Estate Group. You have been warned. This is a true review from an actual verified customer.

Anthony was amazing - very professional, informative, honest and a delight to have as our Realtor…read more After trying to sell FSBO we failed miserably so we contacted Anthony and he was able to get our house under contract within a few days of listing. During the whole process Anthony was hands on and always available to answer any questions or concerns we had. We feel Anthony made what could have been a stressful time into a pleasant experience. We would highly recommend Anthony Gucciardo Real Estate for your buying/selling needs. Marianne & Robert Davidson

we worked with bill hoogkamp... his patience and knowledge was so appreciated as we were first-time…read morehomebuyers: nothing we said or asked was disregarded and he always kept us informed and involved with every step of the process. of course, we would go back in a heartbeat next time we need financing, but for now we're enjoying the fruits of their help. we can highly recommend maple tree funding, especially bill.

Great to work with. I worked with Ray - always answered all of my questions and helped made the…read moreprocess as easy as it could be. Always set my expectations as well. If I were to purchase another home I'd go through them again.

They allow their customers to have full blown meetings at every teller. Average time is over 10…read moreminutes per customer. Branch is understaffed. Horrible.

I wish they had never moved to 4 Winners Circle and definitely wish they had never merged with…read moreSEFCU. Once upon a time CAPCOM was everything I could wish for in a financial institution. I regularly received personalized, fast, friendly service. Everything started to change when they moved to 4 Winners Circle and only got worse after the merger with SEFCU. Completely impersonal, long wait times, and frequent mistakes. My last visit to the drive through took about 40 minutes. I waited 20 minutes behind the car in front of me then when I pulled up, the teller took the check I was depositing, walked away, and never came back. 15 minutes later another teller walks up and asks I they can help me? I explain the situation, she tells me, the terminal broke down, the other teller left, and she will be helping me now. Another 5 minutes before I was out of there. The teller didn't weight the returned items down properly when returning them and the wind blew the receipt out of the box and it was gone. Thankfully, I had grabbed my license and identification card before they too got swept away. Lastly, don't even bother emailing their Mortgage department. Good luck getting a response.