Member First Mortgage

I am very worried about their business. I have mortgage from them for years. Last year, 2015, I received a letter stated my mortgage amount would go up $ 100 a month. I checked the description very carefully because it was very odd to go up that much and found out they charged me winter tax twice. I called them and they said that was computer mistake and I would get a new statement in a couple of days. It didn’t come. I had to call again to find out new mortgage amount because the due date was the next day! After the second call, I finally received the «amended» letter which did not make any sense. I called them again and was told the letter was not supposed to be sent to me, it was only for internal use…
2016, form 1098 came, very small piece of paper which was not like the one I received in 2015. The amount on 1098 and the one I calculated were different. A couple of days later, I received a letter from member first mortgage, which stated they could not pay winter tax in 2015. So they would pay 3 taxes in 2016 (summer and 2 winter taxes)… I am very worried about the loan and maybe should consider refinance to other lender…

My husband and I had a phenomenal experience with Tracey Brannock as our rep. She was thorough and responded promptly. She truly handheld us through the entire process of purchasing our first home. When we are in the market for a new home again we will definitely go directly to Member First.

They were patient and understanding the whole process through. Eric and his team answered all my questions thoroughly and with patience. And if they don’t answer right away, they will call you or email you back. Any company can offer you a mortgage, but few can offer friendly staff who are professional and courteous, because they understand that for us home buyers (especially first time home buyers) the process is very overwhelming. You have so many questions and pressure, that having a helpful mortgage officer is a godsend.
I would definitely recommend them to others as my overall experience was top notch !!

I have automatic payments that are deducted from my checking account. I contacted MFM after my payment was 2 weeks without posting. They apologized and will post 2 payments over 2 days. I can not say that their computer system is on the ball. MFM has not been a reliable mortgage company. I have had too many problems with them. From double billing my escrow to forgetting to pull automatic payments. I urge people looking for a mortgage to find one elsewhere.

I became a new homeowner in 2007 and had a terrible experience with this company. The person I worked with was bad at answering my questions; she would either ignore them or provide very poor explanations. When the seller and I negotiated to increase the price by $ 2000, the lender began threatening that they may not approve my mortgage, even though I was preapproved for the amount, had outstanding credit, and was putting more than 20% down.
Every employee I dealt with was rude and consistently conveyed that I was a bother to them, rather than expressing gratitude for my business. They were slow to respond to calls and emails as well, which is obviously problematic when you’re trying to close on a home.
Further, they included incorrect information in documents, which I had to correct. So they do not provide good attention to detail. Overall terrible experience in terms of their «product» and customer service. I recommend looking elsewhere!

This is a Mortgage Company that you should probably avoid. They do not follow through or often contact you back following a phone call or email. They almost caused us to lose the home that we wanted to purchase. I know that we will never use them again. I suggest you go elsewhere

Some other people on other sights complain about a few things, and are somewhat accurate. I did a HARP 2.0 refi, and it did take a few months. It can be difficult to get a hold of someone, and response time is slow. They did ask for several of the same documents twice, but a simple email fixed that. The good news is they accepted me. About 12 other banks did not accept my refi application for different, miniscule reasons. Closing costs were low, as was the interest rate. In my case I searched far and wide to do the HARP refi, and Member First finally got it done for me. I suppose that’s all you can ask for.