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    Alligator Mortgage Company

    4.5 (8 reviews)
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    Florida Credit Union - Curbside view of FCU's 43rd Street Branch

    Florida Credit Union

    (78 reviews)

    Charles at 352-377-4141 was fantastic to work with when helping us refinance our auto loan. He was…read morevery knowledgeable, explained everything clearly, and made the entire process quick and easy. He helped us secure a better rate while requiring very little time from us, which we really appreciated. Great customer service like this is hard to find these days. If you're looking to refinance an auto loan or lower your car payment, I would definitely recommend contacting Charles. He did an excellent job for us.

    I applied for a mortgage refinance with Florida Credit Union and worked with loan officer Patricia…read moreNartuzzi. During the process, I was asked to provide multiple documents, including my homeowners insurance declaration, pay stubs, and other items. I was also required to find a title company and to pay for an appraisal, a survey, and flood insurance. I provided every item requested. Ms. Nartuzzi informed me that my homeowners insurance policy (H08) might not be accepted and stated she would check with her supervisor and get back to me. Despite this uncertainty, we continued with the refinance process. At no point did Ms. Nartuzzi tell me that the H08 policy was not acceptable. I later learned from her supervisor, Marcy Kautz, that I needed an H03 policy, not from Ms. Nartuzzi. Throughout the process, Ms. Nartuzzi acted without my knowledge or consent. She contacted my insurance company and the land surveyor directly and was rude and unprofessional when speaking with the insurance company. She instructed them on what they needed to do without informing me. She also contacted the surveyor and changed the type of survey I had originally requested, which increased the cost. She did not notify me of this change, and I am the person responsible for paying all of these expenses. After all of this, Ms. Nartuzzi told me I needed a roof estimate, which made me question the entire process. Then she stated that I needed a 4 point inspection, which would cost even more money with no guarantee of approval. She also stated that I would need to replace the roof, water heater, and HVAC unit, which would increase the loan amount. This was unacceptable to me, as my intention was to consolidate debt--not take on more debt. I expressed from the beginning that I did not have a lot of money to spend and needed to know whether the refinance could move forward before incurring all of these costs. That concern did not seem to matter to Ms. Nartuzzi. My experience with this loan officer was extremely disappointing. I have been a member of Florida Credit Union for nearly 30 years and have never received service like this. I am filing this complaint because I believe the communication, professionalism, and handling of my refinance process were unacceptable, costly, and not reflective of the standards I expected from the credit union.

    Alligator Mortgage Company - mortgagebrokers - Updated September 2026

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