U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Texas > San Antonio
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 04-30-2015, 08:12 AM
 
Location: McLean, VA
790 posts, read 1,606,752 times
Reputation: 556

Advertisements

Anyone else ever work with Randolph Brooks Federal Credit Union on a mortgage or refi? I ask because I just completed a refi, and it was the most HORRIFIC experience I have ever had. Slow, slothful, unprofessional. Earlier this year, I refi'd another property on the East Coast and it was a breeze.

Maybe it was me.....
Reply With Quote Quick reply to this message

 
Old 04-30-2015, 08:16 AM
 
Location: New Braunfels, TX
6,259 posts, read 8,999,975 times
Reputation: 6347
Guess it depends on if they were the original note holder. We refi'd ours 3 times over the 10 years we had it (dropped it from a 20 progressively shorter-termed as the rates dropped), and it was a matter of a phone call and signing/returning a single-page document.

Having said that - if you were moving a note from another institution TO them.....yeah - my sister is a Realtor, and she says that they've gone from being one of the best and easiest to total nincompoops.
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 09:02 AM
 
Location: McLean, VA
790 posts, read 1,606,752 times
Reputation: 556
Thank you TexasRedneck! I could not believe the incompetence of RBFCU. It was unreal. Took me more than 2 months to get this thing processed. Oh the positive side, they were very cost competitive (which is a nice way of saying cheap).

Just soooo frustrating. Ugh
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 10:56 AM
 
67 posts, read 235,404 times
Reputation: 31
Wow, I had a great experience with a refi about 5 years ago and a new purchase (on a complicated acreage property) 2 1/2 years ago. Maybe because we've been long time customers?
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 12:31 PM
 
Location: McLean, VA
790 posts, read 1,606,752 times
Reputation: 556
I've banked with them for over 20 years. My parents, for over 40. When I finally got to closing, I asked the RBFCU rep, "Are people mad by the time they get to you?" She said, "Yup. They are pretty unhappy."

Just fair warning....
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 02:35 PM
 
Location: San Antonio, TX
1,220 posts, read 1,725,360 times
Reputation: 1313
Maybe it depends who you get. We've been with them forever but our car loans started being more competitive with other lenders. Same was true for his boat a few years ago. Now he just financed an antique car with them and other than some weirdness related to buying online and having to drive the car to them before they'd process the loan, it went well. He even moved the boat loan to them. I guess he found the right person.
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 03:59 PM
 
Location: San Antonio
3,746 posts, read 3,851,132 times
Reputation: 3196
Car loan was a breeze.

Pre-appoval for a mortage was slow at RBFCU so we went with SWBC and closed in 21 business days.
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 04:03 PM
 
Location: San Antonio, TX
1,220 posts, read 1,725,360 times
Reputation: 1313
I guess I wasn't thinking of type of loan just the fact that they had been very difficult the last 5 or so years then abruptly very easy to work with. We've never even looked at them for our home loans.
Reply With Quote Quick reply to this message
 
Old 04-30-2015, 04:48 PM
 
Location: Mid South Central TX
3,183 posts, read 7,420,333 times
Reputation: 2188
Refi'd with them from another lender about 8 years ago, very smooth. Went from a 30 to a 15.

As rates dropped, then refi'd again (very quick and painless) to an 8 year, then a 5 year.

I'm sad to hear that they dropped the ball.

We've had 2 car loans through them (extremely quick and responsive). The last 2 went to USAA simply because they had a better rate. But I would not hesitate to use them again.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Texas > San Antonio
Follow City-Data.com founder on our Forum or

All times are GMT -6. The time now is 09:19 PM.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top