I refinanced a 10 year fixed loan with Third Federal in Spring of 2014. All
the communications and Documents were handled via email and Phone. Very courteous, professional, and prompt transaction all around.
Met most expectations, best rate and terms, Offered me a smaller loan than I asked
for due to Self employment and a complicated rental/business income scenario.
Nevertheless,it worked out for me. I really like their re lock option at any time during the first 5 years of a 1/5 adjustable, I plan to use this option as soon as the feds start raising interest rates.
Refinanced my primary home. I own a real estate brokerage so know how difficult the
process has become - especially for self employed individuals like myself. Very easy process. Only complaint is that they don't do second homes (at least in NC).
Overall excellent process and communication. Very clear and defined process. Excellent experience.
I got a line of credit from Third Federal last year - excellent low rate,
and no surprises during the application, nor with servicing of my loan. Old bank trying to go modern with an online presence, so they haven't quite figured it out - they do everything by phone / fax / snail mail rather than a real time secure web site. Definitely a tedious process compared to other companies i used in the past (e.g. FirstIB) but worth my time considering their low rates. So much so that I am in the process of refinancing with them again, and getting a similar experience