Ncb Fsb

This ‘bank’ could care LESS about the needs of their customers. My housing lawyer friend ran my financial debt to ratio numbers and I qualified for the Federal Mortgage Relief program (s), but they refused me THREE different times. The actually told me that I should go into foreclosure, and then reapply! What does THAT tell you?

I must use NCB as a lending source since I own a coop apartment. Purchasing the apartment required a little more paperwork than a condo but no problem really. The bad part cam when I chose to refinance. It was pure hell from start to finish. I provided them everything they had requested by overnite and I was assured I would close on schedule — within 30 days. Well the 30 days came and went and I was given many excuses and continually asked for additional paperwork, second copies of items I had already sent and new items never mentioned before. I again overnited all of this ASAP. And still it took about 4 months instead of the 30 days. There were no unique circumstances in my situation so there should not have been a problem. Finally, I was able to close and get my money. I think if anyone else handled coops, I would try them before returning to NCB. I dealt with inexperienced and incompetent personnel and it cost me time and money.
I am sorry to say that I cannot recommend them at all.

No Comment Bank.
No Competency Bank.
etc.
Sadly chosen to finance a San Francisco, CA TIC purchase. There are only two vendors for such property classes, and after reviewing intial bids went with NCB, FSB.
Big mistake. Personnel involved showed little understanding of the San Francisco Bay Area, the property in question, details of the local permitting process, impacts of dealing with historic properties, etc etc.
No communication, no replies. Often, the representative would state that he’d called back and left a message. You guessed it, no message left. Email no better. Very unreliable/​inconsistent partner. Unable to forcast closing dates over 90 day period. Unable to detail escrow terms. Unable to release escrow funds.
No effective internal documentation retrieval, no customer service.
California or New York residents: pick the other bank for SF or NY co-​op needs (Sterling Bank).
Nightmare. Avoid at all costs.