Unanswered voicemails, unanswered emails. Seriously poor customer service. Chose a different lender that is local, way better service. The only way me got a response from home squad was by contacting our loan officer's supervisor. Then the loan officer claimed he never got our emails, bs. He went right back to no communication immediately.

Believe the other reviews. This was, without question, the worst experience I’ve ever had with a lender. Six weeks into my refinance—after uploading countless documents—I was suddenly informed that something in my original application hadn’t been completed quickly enough, and I would need to start over with a brand-new application. I had submitted every requested document on time and was never given a clear explanation for what went wrong. My assumption is that my original loan officer made a mistake, especially since I was reassigned to someone new shortly after.

I have been with NFCU for over 30 years, and routine banking is its strength. Unfortunately, I find their mortgage department bureaucratic and lethargic. Their competition (you know the names) is far superior. I found it impossible to obtain a timely preapproval letter for an investment property, despite owning numerous rental properties (without mortgages) and having a significant investment at Schwab.

If I could give zero stars, I would!!! It took them close to 60 days to approve our 20% down VA loan. Main issue is their underwriter kept adding redundant stipulations, dragging out the process over months rather than the normal industry standard of 30 days. The switched loan processors on us before closing, and my loan salesman instead of stepping up his game when the ball was dropped numerous times, decided to disappear. At the end, we were dragged out so long we suffered terrible financial burden having to live in a small AirBNB with 7 people and 4 dogs while Navy Federal made mistake, after mistake, after mistake mistake. It was the biggest nightmare ever - we won't even bank with them now.

Started with one loan officer, then got switched to another, and that was fine. The loan processor does not listen to what we say. She sent me an email with another customer’s name and form. Leaving rude voice mails saying “she was hoping to get a call back” when she never asked for a call back, giving me wrong interest rate. Will not use them again. I am a first time home buyer and nothing has been explained along the way.

Taj ** at Navy Federal Credit Union Home Squad is the worst loan officer we have ever dealt with. He took days on end to send us time-sensitive paperwork, the paperwork was wrong, it took days for him to get it corrected after multiple phone calls from us and he wouldn't answer his phone, we had to escalate every call. Absolutely ridiculous! He said he would fix the paperwork and get it back to us asap, again time sensitive, he said his assistant would contact us, they never did-- this is a home loan application -- it's not even to the processor yet and it's been WEEKS!!! Four different phone calls from me and he introduced himself four separate times like we never spoke. Horrible, horrible experience. Go anywhere else.

Preapproved for a specific county; when we found a home credit scores, savings, home values, etc. all rose. We were told that it wasn't a commutable distance, then were told they didn't offer the product anymore (10% down), then they wanted me to come up with 30% and have enough 401K money liquid so we could make the first few years of payment. NFCU shouldn't be in the mortgage business. We ended up selling our primary home recently, getting rid of NFCU on our primary residence, will rent short term and now have the cash to move.

I heard things said about ** and this mortgage drama! Well I was worth 96k in 20-21 height of covid. I had less credit score and more debt. Today I was denied with 772, 763, 743 scores less debt payments coming directly from acct to pay transferred credit? I thought this was a military bank? Not no mention of a program I can attend or nothing, simply underwriters denied my loan. It's OK accept the things I can't change. I simply responded don't worry I will be taking my money elsewhere, thanks for showing me what I did for our country couldn't even yield my family and I a home.... 0 stars

As a member of Navy Federal Credit Union, it is sad to see that this company uses discriminative practices to approve or deny their members loans based on race. It’s not fair or right. Do better. Each and every of the members served in this country and not based on race but on the fact that there was a war and we fought it and we fought it together. It’s sad that all these years later, we still have to deal with this stuff and not only that but by a bank that is supposed to stand up for its veterans. Instead, they aid in breaking us down.

I’ve had Navy Federal as my mortgage lender for over 10 years. Best lender I know of for veterans. Application process is thorough yet clear and fair. My loan has not been sold. Payments and additional principal payments are accurately recorded. It has been a stable lender for me. All my statements are accurate and easy to access. I recommend them to my fellow vets. Keep your bills paid and submit the required documents; be honest about your debt to income ratio and you shouldn’t have any problems. Good luck.