myCUmortgage - Beavercreek, Ohio

Justin T.

MyCU mortgage, this company was the worst company I've ever had to deal with... when it came to communication all the way to the final day to pay off the mortgage itself. They gave me a pay off amount, when I gave them the pay off amount. They responded to me and said I owed another 900 or so... from a missed payment that just now showed up on their system. The missed payment was from Dec 22, I got my pay off amount Jan 6th. You're telling me it took that long to register in the system for the missed payment I WOULD NOT RECOMMEND USING THEM AT ALL. Save yourself the headache and find another company.

EDITED: So after dealing with mycu for almost a month now, I am completely paid off. This company has made numerous mistakes when dealing with the payoff of my loan. Not using accounts that I told them to use for the payoff, looking up routing numbers without asking me for the right now and just running with what they had searched for themselves. Honestly, this company should do whats right and give me my escrow and deposit it into my account. That seems like the just thing to do, even with them reaching out to have me remove my review. I'd honestly give them zero stars if I could unless they make this right.

I would stear clear of this company.

Tammy H.

My father in law passed at the end of last year. We kept them updated with estate info. Called numerous times, sent emails and provided all proof documents requested. This mortgage company sent the house into foreclosure within 4 months of the estate opening. It was also ONE WEEK before it sold. On closing documents, over 2k was paid to their attorney out of the sale price of the home. For a foreclosure that never should have happened!!! Very disappointing. You should really treat people with more empathy. And maybe pay your attorney yourself when you take unnecessary legal steps.

Travis

Lender will hold a partial payment on a mortgage in a special account until there is enough to cover a full payment. This account is sometimes called a suspense account or unapplied funds account.

The only reason they would do this is to make your mortgage more expensive so they end up making more money.

I saw all the bad reviews and should of listened. I'm sure there are more issues to come....

Becca A.

I’ve been with this mortgage company for 3.5 years and had a great experience. It’s always easy to get a hold of someone at customer service to satisfactorily answer my questions. I get my updated mortgage statements the day after I pay, and I can make extra payments whenever I choose. I’m not sure why other reviewers have had issues - my home insurance and taxes are always paid on time through my escrow.

Kristopher H.

My experience with myCUmortgage has been a gigantic waste of time and money. The sunk cost fallacy is the only thing that kept me from giving up and finding a different alternative earlier. I applied for a loan in May, and the agent ghosted me for several weeks. I contacted my credit union to see if they could figure out what happened, and finally I received word back from them. This trend would continue for months as I continued to think we were close to closing, just for them to need more information, most of which was already provided but needed updated due to their own dawdling service. It is now the 1st of November, and I have had enough. I have months worth of ignored emails, unreturned voicemails, and absolutely appalling customer service. My broker seemed to only to be available on Fridays, and often responded after close of business before the weekend. This complete lack of concern to the undue hardship they were putting myself and my family through was terrible. I also strained my relationship with the my Credit Union for even referring me to such a deplorable company.

Emiliano T.

I started the refinance process through my credit union. I was then contacted by this company and was approved. I had several questions I needed answered so I email them a couple of times without response. I then sent another email, which was answered stating that I would receive a call back. Never called me back. The excuse is “we are very busy”, so am I. I decided to cancel the process with them and seek for another lender. My advice is that you go with a lender with better reviews, because your credit is going to get a hit. This was a very frustrating experience for me, never again.

TD B.

I dont like giving bad reviews but after reading other reviews for escrow issues I thought it would be best to leave a review. If reviews are not left companies would mostly not know of problems customers have.

I really wanted to like this place that is affiliated with Hopewell Credit Union that I really like. Our hassle started from the beginning before closing. First of all we have credit scores of over 800 with a very low debt to income ratio. We thought this would be as easy as all the other mortgages I have done. This place wanted everything from certified birth certificates of my children to a certified divorce decree from from the court that was several states away, which we had to hire an attorney to go to the courthouse to get. Not to mention the divorce well over 5 years earlier. They did not ask for the kitchen sink that actually would have been easier to get.

We have now been with My CU for a few years and for a few years in a row my escrow has been short causing my payment to go up. That would be ok if it was not for a error in My CU paying 2 homeowner insurance policies. One of these policies I had canceled well over 2 years ago. The customer service guy said I called and switched insurance that I never did. I said ok if I had called which I didnt and switched insurance why would you still have paid 2 premiums out of my escrow? If the customer service guy had been nice about it would have helped ease my frustration. However, that was not the case and said I called in and caused this problem. I told him I have not called My CU in over a year and that was from my escrow was short from paying the insurance which I did not have. At the end of my call he had become more polite and asked if there was anything else he could do. I only said just fix this so it does not keep happening. How hard could it be to have red flag pop up when 2 insurance policies on the same property? We have other mortgages and none of them have ever had escrow shortages. We have never had to give certified children's birth certificates, divorce decrees or anything else like that they asked for and delayed closing by weeks. This has been our experience with them. If you want an easy hassle free mortgage I would advise to look elsewhere as we are doing now.

Al R.

Very professional and courteous, walk me through the whole operation with ease, Highly recommend.