This was our second time working with Dave and his team at CCM, and let me tell you: Dave is a…read moremaster at his craft. He and his team are extremely well organized, detail-oriented, and helpful. They always ensure we know what we are agreeing to before we do, and never make us feel rushed. I should mention that they never miss a text or call either! I would definitely recommend Dave and his team, and I will certainly be using them again for any future purchases.

Dave Pennington is an amazing mortgage officer. Our realtor contacted him on short notice to help…read moreus close on a house 13 days after our initial contact, and he nailed it. The backstory is that we originally were working with a different mortgage officer for a different company, but she warned that we weren't going to be able to make the closing date. That freaked us out, and our realtor recommended we switch to Dave. I'm so glad she did, because Dave really stepped in and got things done, as soon as possible. It's like he had a fire lit under his butt and needed to move move move. We really appreciated that. He pushed us to get things turned around quickly, and he pushed everyone else involved in our transaction (especially the escrow company, which was having issues). On his own initiative he contacted the relevant parties (e.g., the escrow company, our financial advisor, our insurance agent) when things were unclear or when they needed to be pushed. And we were able to make our closing date with days to spare, with a solid mortgage at a very competitive interest rate. Dave took the time to explain the complexities and walk us through things, while also pushing things along and sending us reminders when we were forgetful. One thing I especially appreciated is that he acted as our advocate and gave us advice, rather than being tight-lipped and trying to cover his own butt. In other words, he acted as if he wanted us to get a loan and get the house, and his job was to help us make that happen, rather than trying to protect the bank from all possible risks and just make money for the bank. I recommend Dave most highly.

I have been with Nfcu for many years, they are the best! Customer service is great and on point!read more

I've been an NFCU MEMBER for 37 years ... and I've used many other institutions…read more Navy Federal is the best bank I've ever used, they greet you when you enter and leave. As a person who worked In Hospitality for over 15 years ( Hyatt & Sheraton , Hilton). There Customer service skills are beyond phenomenal... FIVE STARS and more ! The best banking experience I've ever experienced, weather in person or online . And I had my account hacked once. They found it right away. I mean right away, and contacted me ASAP I can't say much more than that

Beau and his team helped me in refinancing my mortgage. I can't say enough about how Good they were…read moreto deal with. They made the whole process very efficient and kept me informed of the status on a regular basis. The costs were very fair and transparent from the start with no delays or surprises before closing. I would highly recommend them. -Edward W.

Beau is as transparent as it gets. Even though I needed a different type of loan, he went out of…read morehis way to refer me to another mortgage lender. I appreciated his help!

The branch manager was very empathetic and understanding! He really helped us out. I would highly…read morerecommend banking here. Free tea and coffee in the lobby and free coin counting service as well. Receptionist is very sweet too!

I scheduled the appointment on Thursday by phone for an 11:00 appointment this morning to open an…read moreaccount with Frontwave. I arrived at 10:53 and stated that I had a scheduled appointment but the person who was assisting said there was no record of an appointment, took my name, phone number, checked my ID and said that it would be 15 minutes because the manager was at lunch. I took a seat but then decided to leave because I felt disregarded. Avoid Frontwave!

Came in to cash a $25 check. Stood in line for the customer service. They have a policy for not…read morecashing out checks that are not Navy Federal checks. It will take them 3 days to get me the money. My best recommendation is if you're gonna cash in checks, just do it at the ATM machine in front of the branch. They are not about the mission. I'm very disappointed in Navy Federal. It seems like they are very lazy these days to get you physical cash, they just want to do everything electronically. One of the main reasons I moved away from USAA was because Navy Federal used to give one-on-one customer service and delivered in getting you your money. It seems like they don't wanna do that anymore. They really have devalued the customer service to what it use to be. That's coming from a person that's been banking with NF for 12+ years.

Great service!! The only place I found that would help with a medallion signature. Also great…read morefinancing and credit cards. Reps have all been efficient and friendly!

The whole process of refinancing our home was so easy. Our loan officers were professional,…read morefriendly and communicated every step of the way. My husband and I recommend Frontwave Loan officers Mr. Sanie and Michelle Peru as they both were awesome. Mr. Sanie helped us in the initial loan processing and through early processing. Mr. Sanie is very knowledgeable, professional, and friendly. He made it super easy and provided excellent service! The next step was our Loan representative Michelle Peru who helped in finalized everything. She was absolutely wonderful beginning to end. We love and recommend Frontwave as the whole experience from opening of a banking account to the refinance was excellent service!!!!!

These guys have been rude, misinformed, sloppy looking, completely unprofessional. I have an issue…read morewith a predatory lender with whom I linked my account. The manager responded by laughing. This why they have a sales gimmick going. So few want to do business with them. Especially this branch. I visited the one in Vista, at least they were polite to me. I don't recommend keeping your money here. Try Mission instead. Much fairer.

Doun Lambert is so knowledgeable about home loans. She is truly a plethora of knowledge. She…read moreeducates the client on steps to get the best rate, how best to get you qualified and is very communicative through the process. I couldn't recommend her enough ...

I have worked with Celeste from Fitzpatrick in the past and all I have to say that she is amazing…read more Her response is quick and always has an answer to my questions. I like to get all my questions answered prior and if I feel the response is not quick, I would move on to another company. In addition, she seemed very passionate about her clients and always looking out for my / clients best interest rather than hers/companies. I didn't know too much about loans but she took the time to educate me and made me feel secure about doing the loan. I know everybody is different in what they look for, but I would definitely give her a chance at least to learn more about how things work. Very trustworthy and she prides herself in providing quality customer service.

Working with Scott was a truly positive experience from start to finish. From our first…read moreconversation on the phone, I could tell he had the best interest for me as a client. Even with so many moving pieces and the emotional ups and downs for the personal reasons that came with a long process like this, he remained prompt, responsive, and incredibly efficient every step of the way. His ability to move things forward quickly without sacrificing attention to detail made a huge difference, and I always felt supported and informed throughout the process. I'm internally grateful for his professionalism and dedication, and I would absolutely recommend him to anyone looking for a smooth and reliable lending experience.

Having an advocate walking with us on this whirlwind journey brought us safely to our destination…read more A new home. Scott was tireless in his efforts with the escrow company, listing agent, and our realtor. Putting us in the best financial situation to actually enjoy this amazing gift! You won't find a more humble mortgage broker. Who also happens to be an expert in his field. Loan fully funded and now our new chapter begins!

We used first tribal lending to do a 184 on the house. All is fine in the beginning, but about two…read moreyears in we had to switch some stuff on the loan and we dealt with Nate from first tribal lending. I had to call him twice to understand what was going on as he never called me once during the four months that this process was happening during. I was very disappointed and will not be using first travel lending for my next home loan. Do your research first.

I was an appraiser on a loan they closed. It closed on 08/15/2025, today is 09/19/2025, and I have…read morenot been paid for the appraisal that I completed for the loan. So the closing attorney, the agents, the lender got paid and I haven't been paid and I have contacted the lender, and I have received no follow up in the last few days. Typically lenders collect the appraisal fee from the buyer prior to ordering the appraisal. BUYER BEWARE

As a Realtor, I've had the pleasure of working with Joel on several transactions, and he has…read moreconsistently delivered outstanding service for my clients. His communication is excellent, and he keeps everyone informed throughout the lending process, helping transactions stay on track. Joel takes the time to educate buyers, answer their questions, and find financing solutions that fit their needs. I highly recommend him to anyone looking for a knowledgeable, reliable, and professional lender!

Highly recommended! He was referred to us by our real estate agent. I remember our first meeting…read morein his office, me and husband felt special seeing our names on his welcome sign board. Joel is more like a friend or a big brother and not a lender. In a way that you won't feel uncomfortable talking to him. You can tell him anything about your financial situation without being judged. He'll coach you what to do with your finances. He's always there when you need advice. He's really professional and very patient explaining to us all the options we have in details. His assistant Rosa Ruiz is really helpful too. You deserve 5 stars Joel!