MEMBER FIRST MORTGAGE

From the start, our representative almost never answered his phone. In the month and a half of dealing with him, we almost never heard back from him within 24 hours. We actually lost a chance to put in an offer on a house because of that delay! Throughout the process the estimate for our total closing costs went up by $3000, then $6000, and he couldn't explain why. It got to the point where I spent several hours learning the formulas MYSELF so I could have some notion of the actual costs involved! Every step of the way was a struggle to get Member First to do anything at all. We would get a form to sign then send back, only to get the same form from another person in the office days later, and then finally find out that a third person couldn't find any record that it had been signed! Finally, the week of our closing I called to find out when I could get the final numbers only to find out that our mortgage agent was out of the office for the week with a family emergency and nobody thought it relevant to inform us! They even didn't seem to know that our closing was scheduled at all! The person who took over the case saved the entire thing from falling apart, which I appreciate, but it's really telling when the mortgage agent vanishing for the entire week of closing was the best thing that happened in the entire process. Of course, then they went and wired all the money to the wrong place. Ridiculous! Buying a house is stressful enough -- stay away from Member First Mortgage and save yourself a load of grief!