Dawn Ryan is the person to call if you want your refinance or mortgage fines correctly. Dawn made…read moresure that I met my goals for my refinance. With Dawn's help I was able to lower my mortgage 1.14%. I am not sure what others have experienced but Dawn Ryan is the mortgage broker to work with at embrace. Call her 401) 640-2510

To Scott Stevens, Thanks for bullshitting me when you assured me it would be a soft inquiry. A hard…read moreinquiry was pulled on my credit causing it to drop 15 points. I guess lying is the first thing you naturally do when initiating calls with customers.

The entire team here is awesome. Small branch but always full of smiles. I appreciate the time they…read moretake to make sure everything is taken care of in one visit. If for any reason there's follow up needed, they make sure confirmation is given. Teller line does get a bit busy during lunch time but they do their best to give alternative options to save you time. I have always come here for my questions, account changes and general banking needs.

A+ for loan approval process and speed…read more F- for everything else. Applied for a loan and was quickly approved. The issue was, that the check was for more than the vehicle contract amount. As a result, I reached out to see if they could just wire the correct amount to the dealer. NFCU would not wire to the dealer. This makes little sense, as wiring it to the dealer would be the most secure option, and would ensure their security of the collateral. Instead, I was given the option to either request a direct deposit of the original funds amount to my account, then wiring it myself to the dealer or reapply for a new loan of the new amount. They would not even reissue the check for a lower amount. I chose to have the funds direct deposited. WHAT A MISTAKE. The process started on Thursday evening, and funds were finally deposited on Wednesday. At that point, I call in to do a wire transfer. I'm then told that it can't be done over the phone, and that I would have to send it as a secure message. The wire process is now slated to take 24-48 hours... That's pretty unheard of for an institution of their size. Wires are designed to have the money be sent within minutes. All in all, the whole process added over a week of delay to the process. Had I known it was this bad, I would have just reapplied on the phone Thursday night, overnighted the check, and had it by Saturday. NFCU should seriously reconsider their processes. These inefficiencies will seriously turn away newer member. Also, prior to this whole ordeal, the dealer told me that they would accept the check, but that they would have to wait until it cleared before allowing me to pick up the car... seems like they themselves have had to deal with these inefficiencies.

I recently did my third mortgage with Mike at Land Home Financial. The process was seamless! Mike…read moreis a true professional!

Mike was awesome, he answered all of our questions patiently and honestly. He got us a great rate…read moreand made sure we closed on time! My family is living in the house of our dreams now and I would recommend Mike to all of our family amd friends.

THE WORST TITLE COMPANY!…read more A title company has two jobs: process on time and provide the customer with stellar customer service. Linear Title fails miserably in both arenas. There are so many alternatives; save yourself the trouble and use someone else.

They were also supposed to pay off my property taxes and as of yet, I have not received payment…read moreconfirmation! Taxes were due 12/10/20!!!!!!! They will be held accountable if the property taxes have not been paid. Now I have to wait until 12/28/20 to get confirmation from my county tax collector!!!!! TERRIBLE! GO WITH ANOTHER TITLE COMPANY!

As first time homebuyers, BUYER BEWARE! This place is not honest, forthcoming, or transparent…read more Pushy to get you to sign on to their recommended services, which in turn were clearly not knowledgeable regarding our specific situation. Horrible experience where we were misled, entered into a "VIP Buyer agreement" that was ANYTHING but "VIP", worked with a lender who was recommended and kind but also pushy, we informed everyone from the start we had some taxes to file for my husband's business, and were informed only after we were under contract that we did not meet eligibility requirements to qualify for the RI first time down payment assistance loan in time for our closing due to our IRS payment plan timeline! (FYI- their preferred lender might not explain to you until its TOO LATE that you need 3mos of IRS payments to qualify for this down payment assistance!) Received a verbal extension from seller to extend closing for a week, which we took and decided to eat it on our down payment assistance loan just to get into this property. Turns out no one kept up communication from the seller, who flew in for closing, and they never actually signed the extension. We signed a termination to protect our deposit at 9:30am on a Thursday. Asked for and received NO updates until a text message at nearly THREE AM the following Sunday informing us that the seller had indeed backed out, and signed their own termination of contract?! On the same Thursday we signed ours, at 3:30 PM?! And they had had "no updates" for us for DAYS?! Selling AND buying agents are colleagues at this same agency, yet communication was abhorrent. Complete lack of understanding the urgency of such matters. Thank god we got our deposit and our "VIP" buyer payment for a total of 4k back- that was the ONLY positive to come out of this experience. Never again!!

Sharing our experience in hopes it may help someone else…read more We met with a realtor from the Nathan Clark team to discuss selling our home. The meeting had a very "timeshare-like" feel (highly showy, PowerPoint-driven, and with noticeable pressure to get a yes before leaving). We were told we would be lucky to sell our home for $499,000, and when we shared that we were hoping for a higher price, our expectations were dismissed in a way that felt discouraging and unprofessional. Feeling unsure, we decided to get a second opinion. Long story short, with a different realtor our home was listed for two weeks and sold for over $50,000 more than the price we were quoted by the Nathan Clark team. Afterward, we did more research into the company, which further reassured us that getting a second opinion was the right choice. I would strongly encourage anyone selling their home to explore multiple perspectives before committing.