Josh Reneau

Review of Member First Mortgage LLC

Performed a refinance with this company through my...

Performed a refinance with this company through my credit union and it was the worse loan process I have ever undergone. It took 2 months to complete the process. I understand there could have been a "backlog" due to higher than expected volume in Refinance applications. However, there was no communication by my Loan officer or his team on where the process stood or what to expect next. I would have to send weekly emails to ask what's the status of my application/process. Even after the appraisal was completed, the company waited until the last minute to request documents from the HOA. Despite having more than a month and half to communicate with myself or the HOA about these needed documents it ended up pushing the closing an additional 2 weeks. If the rate had not been the most competitive I would have taken the lost of the appraisal and took my services elsewhere. Even at the closing when the attorney said that you should have already reviewed the final documents prior to this moment, I had informed him that I did not and that numbers had changed since the last time I received anything. We both just sat there awkwardly in silence about how alarming this was. Regardless, I would not recommend anyone use this company. I can only hope that I will not be burned on the back-end by holding my mortgage with this company. I hope my credit union chooses another 3rd party to facilitate or manage their mortgages.