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    David Dakoske - Rate

    1.0 (1 review)
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    3 years ago

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    Ask the Community - David Dakoske - Rate

    Member First Mortgage - Equal Housing Opportunity

    Member First Mortgage

    (36 reviews)

    I'm getting very concerned every time I call about progress. I never speak to anyone, always a…read morevoicemail and never call back. I hope I have not gotten scammed into giving all my private information. Okay, to someone that is not legit.

    Despite all the bad reviews, I applied online for a mortgage refinance through my credit union…read more(Neighborhood CU). I already had a locked rate with another mortgage lender and wanted to see what Member First had to offer. I was contacted by an agent (Peter Kelly) and was promised a lower rate and loan (VA) that would have better closing costs. Within a week, I received all the forms to sign and the loan was changed to conventional, nearly triple the closing costs of what was quoted and a much higher interest rate than what I am currently paying! When I asked him about the discrepancies he flat out lied and stated in an e-mail, "Well I told you rates went up so I just sent it in (to the underwriters)." Peter Kelly never sent me that supposed e-mail. I was lucky enough to have not proceeded with this shady company. If a lender is willing to lie than the company has ZERO credibility and this man should have his licensed revoked. How they make money or stay in business is beyond me. I have no idea why credit unions use such horrible companies to handle mortgages. I would steer clear of this lender and read the other reviews because, yes!, they really are that bad. Credit union members deserve much better.

    Churchill Mortgage - Grand Rapids - As a Certified Home Buyer, you will be pre-underwritten, can secure your rate while you shop, and close within 14 days.

    Churchill Mortgage - Grand Rapids

    (5 reviews)

    Byron Center location: Chris DeRuischer's entire team was incredibly kind, prompt, communicative,…read moreinformative and responsive - what more could you ask for?! A stellar team all around. I chose the Byron Center location due to the high quality of service but I'm sure the Beltline location is just as phenomenal. Their company-wide processes are iron clad and they're very much on top of their game. As a first-time home buyer I had many questions which Churchill answered with patience and expertise. They also provide unbeatable support around the clock, along with programs and options other lenders do not. They'll be my mortgage lenders for life!

    Josh was absolutely amazing to work with! Being a first time homebuyer, I was extremely…read moreintimidated. Josh made the process so simple and easy! He sat down with me and explained everything! His explanations were so easy to grasp and understand, but was always willing to explain again if needed. He was very prompt, answering questions almost immediately via text or email. He also provided weekly video updates every Friday afternoon staying where we were with the process. I appreciate everything Josh did, especially achieving final approval to close in just 14 DAYS! He is absolutely incredible, and I will definitely be returning in the future. The other teammates do a lot of behind the scenes action, but are also great about promptly contacting you when needed! I highly recommend Josh and Churchill Mortgage!

    Team Mortgage Company - Thomas C Girardot

    Team Mortgage Company

    (6 reviews)

    Tom Girardot and his team at Team Mortgage was hands down 5+ star rating!! I can not speak highly…read moreenough about Tom and his dedicated group going above and beyond for me to get financed for the home of my dreams!! I had been turned down by banks in my area... due to not having a "Perfect Credit Score". I thought I would not get financed, but Team Mortgage changed all of that and I'm happy to say Tom made it possible for me to own my own home without a ridiculously high interest rate. Tom and his staff offered OUTSTANDING Customer Service, Communication, Dedication, and Detail to me and my loan!! I cannot say enough about how much I appreciate Tom and his team of professionals going the extra mile for me to make sure my loan approval, processing, and closure went smoothly and stress-free!! Without Team Mortgage I would still be renting - WORDS CAN'T EXPRESS ENOUGH GRATITUDE TO TOM & HIS STAFF FOR THEIR DEDICATION & HARD WORK THAT MADE IT POSSIBLE FOR ME TO SAY "Home Sweet Home" to my new house!! Thank you Tom Girardot & your entire team at Team Mortgage- YOU GUY'S ROCK! Keep up the outstanding service!!

    Tom Giradot has screwed us over royally. Because he refused to let his team take on any jobs he was…read more"worn out" and didn't pay attention to the tax bracket our house was in. Now, the past 6 months, during a pandemic we are paying an extra $700 a month and we can't do a thing about it unless we completely refinance. And that doesnt include the extra few thousand we had to pay for city taxes and could only get resolved after almost a year because the committee overseeing that issue meets twice a year. And because it is out of his hands there are zero repercussions for him. Oh and he also lost all of our paperwork then forgot we even gave it to him. Thankfully it was eventually found. Go ANYWHERE ELSE.

    David Dakoske - Rate - mortgagelenders - Updated June 2026

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