Member First Mortgage

Mortgage lender, Member First Mortgage

Built on the Credit Union philosophy of “People Helping People”, Member First Mortgage (MFM) has served the home financing needs of Credit Union members and individual borrowers since 2001. We are a full service mortgage lender with an experienced staff, offering expertise in all aspects of mortgage lending from purchase to refinance to construction. We look forward to delighting you with our full suite of mortgage products and personal, professional service!

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Member First Mortgage Reviews ( 231 )

  1. Only star – because the process was finally completed, but I completed the application Nov 29 but we didn’t close until January 20. I know we had holidays and such in the middle there, but this process takes way too long. Way to many …

  2. Great rates and amazing customer service! I had the privilege of working with Marta Dulaney who was an absolute delight to work with! I have truly never worked with anyone in the financial industry and rarely anyone in customer service who …

  3. Member First Mortgage was wonderful! I had Heidi and Jeremy and both kept me updated and we got my refi done quick. This was so comforting considering I tried to refinance with my previous mortgage company and that was a mess. So happy with my service and the outcome! Thank you!!!

  4. If you’re looking for a mortgage, go to your bank OR ask your credit union if they service the loans or if it will be serviced by a Credit Union Service Org.

  5. Not really good service. Tell you they will call back and never do. Hard to understand how they lend money for homes if they don’t want to work for you and that would include calling prospective buyers back.

  6. tracy is number 1 in customer service she worked very hard to handle any problem that arose and to close in the comfort of my own home what a time saver glad i do all my banking with my credit union and for them to use member first mortgage

  7. Terrible experience lack of communication .
    No follow up calls just no interest in doing business at all. No confirmation of receiving important documents. Just flat out lazy. Don’t use Jeremy he gives poor service.

  8. This is the worst mortgage company ever! I will be refinancing so that I never have to deal with them again. I have received so much conflicting information that I never know what I can trust and they don’t take responsibility for their errors. Absolutely horrible! Do yourself a favor and steer clear.

  9. By far the worst banking experience ever, no call backs, took forever to get email responded too, and kept asking to resend sensitive bank documents. Never again with this bank, nor would i recommend them.

  10. Not a great experience, many repeat requests for information already sent. Lack of responses from emails/voicemails sent. Over all I felt like is was a “junior” league operation.

  11. Amazing!!! God blessed us by pairing us with Community Choice Credit Union and Member First Mortgage – Greg Coury and Miriam were truly incredible people that not only were knowledgeable, but helped us overcome all obstacles in the process. Thank you!!!!!

  12. Great people, and better rates and lower fees than the flashy, fast-talking guys on TV. Take a little longer than a “Rocket Mortgage,” but there’s a lot less hype and pressure. I’m a satisfied new customer.

  13. I have been a member at Credit Union One since I lived in Rochester Hills in the mid-90’s and so when my wife and I decided to purchase a new home it was an easy application with the bank we trust.

  14. Greg Coury was amazing. I have had numerous mortgages in the past. This experience was by far, the simplest and most straight forward. He delivered on every promise.

  15. Was not very impressed with organization skils. Heidi would ask for multiple things, multiple times. Even after i gave a written statement, the same question would be asked again. Very repetitive, and just unoriginal. Needs to manage documents and customer information better.

  16. Jeff is absolutely amazing! He makes a tough buying process, easy and fun! I will never go anywhere else for the simple fact of the customer service of Member First Mortgage.

  17. Thought we had a loan being processed. Found out that it was not even done after 3 months. The credit union that they underwrite for no longer does business with this mortgage company. This place is real bad. I hope for the sake of people buying a house they can get there act together.

  18. Marta was great to deal with being self employed it was difficult but she made it a lot easier. I definitely recommend them to any self employed construction worker.

  19. Seventy seven (77) days and counting. Deal is still not closed. Pre-approval granted only to find it was not an accurate credit prediction. Changed buyer to spouse only to find that there were other issues not discussed earlier in the …

  20. Well, so much for your “changed process”! This month I recieved the April pymt coupon March, 27th. I finally recieved the March coupon March 2nd. On top of coupon, it states “allow 7-10 days for postal delivery”? Why can’t you people …

  21. Everything with them has been good. The only problem is the payments. First checks in the time we are in people don use anymore, so by mail we dont do. Then online it always locks me out so it’s such a hassle to call and unlock it every …

  22. The entire mortgage loan experience with Member First Mortgage was very smooth and efficient. The loan officers were quite knowledgeable and explained the process each step of the way. I would definitely refinance with Member First again.

  23. Terrible company. Run like hell. They put us through hell for months and months. I hired a new company and closed in 25 days. Jason Smith is a liar, they make money off the non refundable fees, double what everyone else charges. I’ll never …

  24. They were extremely slow to reply to inquiries. The coordination for closing was very poor, and there was very little correspondence that did not require additional follow up. I would not recommend them. …

  25. I worked with Eric and team to finance a second home. We were purchasing from family member’s without going through a Realtor. Eric was very helpful and able to answer my many questions to make the process as smooth as possible.

  26. I had the best 2 people to work with. They were Daniel Iglesia and Rolanda Brown. I had some difficult issues but they were adamant about helping work through them. Excellent service. ‘

  27. We’d like to thank Members First for affording us the home of our choice and for the timeliness of getting this process completed. Going forward we know who to recommend to our family and friends.

  28. The worst ever!!! I feel like they are very bias playing like they were helping us but wasn’t. Applied for a very small loan under 50k put us threw hell to get it and 5 months later some BS and still didn’t get it,my sister applied at a …

  29. Everyone I worked with was very helpful and patient. It just was a surreal process because so much of it was via email and digital signing. Otherwise very professional.

  30. I wanted to decrease the amount of time from a 30 year to 15. With the rates as low as they are I wanted to take advantage. Members first was very professional, thorough and made the transaction super easy

  31. I am rating them as a real estate agent. This ocompany is now on my Do Not Use list. Delay after delay, high fees for the buyer (ex. $525 appraisal fee and an unwarranted $150 re-check due to the half-witted under-writer), and repeatedly …

  32. If you want a lender who knows how to answer the phone, return a email or really do anything in a timely manor I would recommend against using Members First Mortgage. Its really is a shame that credit unions who do not have a lending …

  33. Amazing! Worked with them through Omni Community Credit Union to get an amazing rate on our home! Would highly recommend Omni and Member First Mortgage!!!!! You won’t be disappointed:)

  34. The experience from the initial discussion about the goals for refinancing of our home was outstanding! No other institution could touch the interest rate and terms. The entire cycle was quick and Wayne Fuller kept us updated on point all …

  35. Terrible company – they are constantly messing up my escrow and tax payments. Customer service is frustrating. I cannot wait to refi with someone else. My retaliator tried to talk me out of this but we didn’t listen – BIG mistake. Don’t make the same mistake as we did – go with a GOOD company!

  36. I started the process to buy a home for the first time, I filled out the application to get pre-approved. They called me right away to finalize the application (awesome! I thought) well I was wrong didn’t hear back from anyone else, I …

  37. We closed on our home in October they haven’t paid for our flood insurance and it’s January. I would never use this mortgage company again nor would I suggest them to anyone else. I’ve noticed they respond to the five star review but Not to the 1 star reviews

  38. Horrible experience. We were referred by our Credit Union on the oposite side of the State. All seemed well at first. We were constantly reassured there were no roadblocks, even after asking. We were preapproved for an amount and moved …

  39. Applied for a preapproval and did not hear back for months. We contacted everyone and anyone trying to find an answer. Not only did they pull my credit score once, but twice…Finally someone reached out to us apologizing but after that contact I have not heard much from him. I would not recommend.

  40. Beverly Burik was not very helpful as I was exploring options for my family with a refinance and a rental property. The responses via email were very short then she totally ignored me. It was very rude and unprofessional. There are many other companies out there and that’s no way to treat potential customers.

  41. The loan process was responsive from qualifying through to closing. Brent Simon, our loan officer, was prompt, courteous and went the extra mile to get us approved. We are very satisfied with Member First and 4Front Credit Union.

  42. Brent was extremely helpful with getting a mortgage to buy our home!! He is very knowledgeable and every question we had we got a quick response. He definitely simplified a stressful process and was enjoyable to work with.

  43. Great group. Responsive, friendly and knowledgeable!!

    E Smith was the main reason I stayed with MFM. She makes the process easier, please make sure she is complimented for her professionalism and dedication.

  44. This is the second time this year that our online payment through our credit union has been returned to our account. The money goes out of our account automatically on the 28th of the month and back into our account about the 12th of the …

  45. I had the pleasure of having Jerry Brockman as my mortgage consultant when I made a request to refinance my mortgage thru Member First Mortgage. Jerry was a pleasure to do business with. It is so wonderful to work with someone who is not …

  46. Terrible customer service, -5 stars Downright worst mortgage experience I have ever been through. They took almost 6 months to close, I have a 801+ credit score. Already had an account and loan with them. Also not my first mortgage. …

  47. Lowest rate i shopped among 10+ companies. Communication was pretty good back and forth over email. Relatively easy to submit documents. But the goal was to lower my payment, and they were the most aggressive APR/rate.

  48. We’ve had the opportunity to work with Member First Mortgage on several property purchases and refinances. I can say with confidence they’re a first class team. Always responsive to questions, and always advocating for YOU! Thank you MFM for another smooth transaction…

  49. I have been with Members First for about 17 years and they are the worst, they don’t value their customers at all.
    I made a payment through bill pay on my credit union website and the day it was …

  50. My home refinance here in Ga. was handled by their Atlanta branch. Miss Beverly Burik was my initial contact. Her along with the Member First staff took care of all that needed to be done and the whole process went smoothly and efficiently. Would definitely recommend “Member First Mortgage” to anyone in the mortgage market.

  51. Over all the process was smooth and mostly painless. Everyone I talked to was great. The only caveat came when I switched from a 15 yr to 30 yr I was told there was a fee ($1500.) to switch terms because of my credit score. These types of charges and interest rates imposed by company’s are ridiculous, something I’d expect from a bank.

  52. I can’t begin to explain my frustration with this company. I have had multiple issues with the escrow and payment departments. Be aware of what you are paying and what is suppose to be paid. I recieved a cancellation notice from my …

  53. Totally unacceptable. I logged in to check/make a payment to see they raised my payment $400 with no notice or so much as an email about system issues occur. I immediately left a voicemail, and email to them to call me immediately. 2 days …

  54. James Rogers from Member First Mortgage was awesome! We had a tight deadline and James and his team helped us meet the tight deadline. This process is not easy but James was straight forward and helped calm us down when things were getting stressful! We greatly appreciated all the collaboration :D!

  55. My experiences with Member First Mortgage could literally not have been any better. From day one I was treated with kindness and respect. I felt like I was a friend rather than a customer. We have completed both a refinance as well as a …

  56. They were all very nice & professional & knowledgeable, couldn’t ask for better service & rob Kennedy was extremely patient with me, couldnt ask for a better team of professionals to handle my case, they were all great, rob, Paige, kace, & john, if I forgot anyone I’m sorry but again great teamwork & staff

  57. DO NOT USE THIS COMPANY. My experience with this company is solely based off a current experience. I originally applied for this loan back on August 3rd and had received an email to continue finishing or can call in. Well I called in and …

  58. Marta was very helpful from start to finish,along with the rest of the team Thanks so much for your help,PS i love my new home. Thanks members firsts mortgage your awesome 👍 …

  59. I applied to refinance a loan to add an additional garage and egress window to my home. Aside from asking to do a VA Loan and having to ask again. Then get a loan amount and sign papers. Thought all was good. Needed to pay for the …

  60. My time spent with Members First Mortgage was very good with a few delays but with covid 19 and all the people re financing what could one expect. I would use them again any time! Thank you again for getting us in our house Kevin McLenon.

  61. We refinanced our ARM that was with Elements into a standard Mortgage. They sold the mortgage right away. Fairly normal, but the notice came on plain paper in a hand-written envelope. It took 4 calls and multiple e-mails to get it …

  62. Even after I was quarrelsome by phone about the required cushion in my escrow account and after I sent an unsparing cancellation letter, the escrow department at MFM was polite, professional and quick in responding to my later requests. I …

  63. Took forever to get loan processed, I know the excuse is going to be Covid-19, but what actually happened was a miscommunication between First Mortgage. I almost lost the property I was trying to purchase because First Mortgage was dragging …

  64. It is a rarity when one would care enough to form the opinion that you wish your mortgage would get sold. However, Members First has brought this opinion out in me. Incompetent, unwilling to listen to reason has been the most recent. This …

  65. IfI could review with 0 stars, I would. This was the worst loan process my husband and I ever dealt with. The communication was awful during processing. Supposedly a “glitch” happened but we were never I formed about it until we started …

  66. Kevin Trumble was very patient and always took the time to answer all our questions. He was very knowledgeable and kept us updated on each step of the mortgage process all the way to closing. We were very satisfied with Member First Mortgage company and we highly recommend them.5 Stars!!!

  67. This is our second experience with Members First. They provided efficient, direct, clear, educated information to me as a consumer. They offer more loan options than other lenders I looked at. The title company comes to your home to …

  68. The refi process was much longer than anticipated. Mostly we felt communications between employees could have been better. It was a tad annoying to have various different people repeatedly ask for information that had previously been …

  69. I had wonderful experience with Members First Mortgage. My Financial Institution ABCO FCU contacted me with them. I was assigned Mortgage Consultant Debora O. She was professional, patient and understanding. She made the whole process very smooth. I would highly recommend her, her Bank and ABCO FCU for your mortgage needs.

  70. I worked with Jeff from Member First and was so lucky to have him! He was extremely organized, transparent, and knowledgable regarding the entire process! I had an alternative rep initially through another company and the different between him and Jeff was night and day! Would definitely recommend.

  71. I do not know why I keep coming back to these folks. I shouldn’t have to be more worried about how upset I will be contacting the folks here than the actual mortgage process. I have 2 mortgages on 2 homes with them due to working in …

  72. I had a great experience with Member First Mortgage. I was able to cut my interest rate, get rid of my pmi, and cut my monthly payments by $400 a month. They were very easy to work with and I would recommend them to anyone.

  73. Because of the incompetent personnel with this organization, the closing on our home is going to take 90 days, twice the amount of time it should have taken. There is a lack of accountability from their leadership to motivate their …

  74. Worst mortgage experience ever. Rebecca Brown and friends took weeks to verify income and still couldn’t get it done. I had to make their calls for them and do their jobs through the entire process. They slaughtered my closing dates one …

  75. Could not have ask for better service. Jeremy Britt was extremely professional, knowledgeable and always returned phone calls and responded to emails in a timely manner. Thanks Jeremy, we appreciate all that you and your team did to make this seamless.

  76. When I first got my mortgage with them 2 years ago they were slow and unresponsive. It took escalating to management back then to even get to closing on time. …

  77. Our refinancing with Members First Mortgage was an amazing experience! It was so smooth. We worked with Amy Keegstra and she did a great job! We are so thrilled we choose Members First Mortgage. We would recommend them to all our friends and family!!!

  78. We have been dealing with this company trying to buy our house. They keep asking for the same documents over and over and keep wanting more. So far this has been a 6 month process and we have missed our closing date twice. This has been a …

  79. I was referred to Member First by my credit union and contrary to other reviews, I had a great experience . This was due in large part to Jason Smith! Jason promptly answers emails, answered any questions I had when calling him, and they …

  80. All the people who helped me along the way have great attitudes and were very professional. They go above and beyond in everything they do. The company is not just to get your business but they wanted to make sure that the customer is happy …

  81. I had originally applied for a mortgage in late July. We did not close until early November. I felt the mortgage originator could have kept me more informed. I had also received 3 different closing quotes. Each were higher than the …

  82. GREAT EXPERIENCE! So willing to work with our special circumstances and I felt like they bent over backwards to get things to work out for our situation. Jeffrey Marklevitz and Paige Moore were AWESOME! They answered ALL my questions …

  83. Member first was on their “A Game” throughout my mortgage! I worked with Kevin and Briana they were amazing! The service I received make me feel like I was the only person getting a mortgage, I always got quick responses. I will 100% tell everyone about my amazing experience.

  84. Initial correspondence was pleasant. However, all interaction after was less than desirable. Buying a new home is not pleasant and as a first time buyer, I expected something more than the experience I had. …

  85. 1000% recommend Member First for all of your mortgage needs. This is my second time working directly with Eric Beckett and his team. I have sent Eric a bunch of my friends and family over the years. I’d never consider going anywhere …

  86. This has been one of the worst mortgage experiences we could have possibly had. My husband and I are very qualified buyers and 5 weeks after the accepted offer on our new home we were told by our mortgage consultant that we should have …

  87. Our agent was top notch! We were 1st time home buyers and didn’t know anything about the process. She was very patient with my millions of crazy questions and walked us through the process. She was always very quick to respond as well.

  88. From the first contact with Member First Mortgage I was assured I would be in good hands and this was beyond true. Being that I just purchased my first home/condo I was very unsure of what I would be able to afford. Working with Member …

  89. Member First Mortgage worked with us to refinance our home in a timely manner. We now have a reduced interest rate and a lower monthly payment so that we can pay extra principal and pay our home off sooner. Our agent also was involved in …

  90. DON’T GO THROUGH THIS COMPANY.
    They do not seem to care at all that buying a home is a time sensitive matter, and you can’t get ahold of them outside 9-5 Mon-Fri (obviously, but still a huge …

  91. We started the mortgage process with Georgia’s Own Credit Union but it was apparently being sold directly to Member First, so we worked with Member First on the underwriting. This was unexpected. Member First made us jump through an insane …

  92. I was so happy that I was paired with Heidi! She got back to me very quickly with answers to my questions. We were even able to complete my refi within 30 days despite the holiday season! I would be glad to work with them in the future.

  93. Performed a refinance with this company through my credit union and it was the worse loan process I have ever undergone. It took 2 months to complete the process. I understand there could have been a “backlog” due to higher than expected …

  94. Beware! This company sends out mass mailings addressed to “John Homeowner” and then acts like you have applied for credit already through them. Not a reputable practice. Avoid this company.

  95. I applied for a home equity loan with Northwest Community Credit Union. For some reason Member First Mortgage handled this loan for NWCU. After applying for the loan and filling out their paperwork all communication stopped from them. …

  96. I called to ask if they can do a virtual closing, so I don’t have to be face to face with a notary during the pandemic. After 6 tries to reach a human, I was told by one of their staff (Phil) that he’s had covid twice, and doesn’t feel like …

  97. Terrible experience and they left me with no lender in the middle of a real estate transaction. I paid $595 for an appraisal then another $450 for an engineers report as requested. It then took them over 20 days to get the appraiser to the …

  98. buyer,seller,agent beware in over 10 years and hundreds of transaction I have never had a worse experience with a lender from LO to processor to appraiser run as fast as you can in the other direction from this company

  99. Originally I was introduced to Member First though my credit union – recently while trying to refinance to record low rates – my credit union has been very slow to change their rates – so I called Member First – since they already had my …

  100. Buckley Geno is the most unprofessional useless person I have ever worked with. Hes dragging his feet and we’ve missed our closing date and are at risk for missing the next one. When asked several times if anything else was needed he …

  101. They are very friendly and helpful. the only thing that was a little bothersome was we had to keep signing and taking in papers “instead of doing all the pre-paperwork all at once”. the actual closing was fast and easy.

  102. Worst experience we’ve ever had with a financial institution. Definitely would not recommend. Continually asked for the same documents, we were told multiple times that the mortgage was approved but at 5 pm the day before closing the Title …

  103. Member First Mortgage took me through the homebuying process at a time when I had many competing priorities. I was treated with care and concern and I was very pleased with how responsive they were in keeping me informed of the process. …

  104. It took about a week to get preapproved, and the availability of our mortgage consultant was hit or miss. The process was a lot slower and a lot more painful than it needed to be and we absolutely would have lost the house we wanted if it …

  105. Excellent experience with Member First Mortgage. Jeremy, my mortgage consultant was super thorough and responsive. Always available to answer my questions and kept me informed throughout the process of updates.

  106. Would definitely not recommend! Started refinance in January, finally completed in May. Had not even made second payment and they failed to pay my I home owners insurance out of escrow account and let my insurance lapse. Had to make payment …

  107. After getting to the point of thinking we would never get a loan because we are self employed and the house we wanted to buy was not the “normal”, Member First came through. They were honest, fast and answered my questions right away.
    Very, very happy!!

  108. We recently purchased a house, and used Members First, because they were affiliated with our credit union. It was not a good experience. It took over 90 days to close, they would ask for information, we would send it, they would say “that …

  109. Casey, James, and Kristina were absolutely great to work with! They make the lending process smooth and much less stressful for the clients. Fantastic!! My husband and I are so grateful to have worked with them!

  110. Horrible and worse company I’ve ever worked for. They showed me exactly how to never treat my employees, now being a business owner myself. I’ve never seen a company like them before. Treat their members and employees horrible.

  111. My mortgage consultant, Mike Young, was excellent. He is the reason that we chose Member First over all of the other lenders that we looked at. I was a first time buyer, and Mike was clear and communicative in regards to the process and …

  112. I highly recommend this company. My mother in law referred me and I’ve never been so happy with a company. They were fast and to the point with everything. Communication was fantastic.

  113. I would not recommend Member First Mortgage to anyone. My experience with Zach Carlson was horrible. He wouldn’t respond to emails, voicemails or text messages. I had to call his supervisor and leave a message to get this man to call me …

  114. I would not recommend Member First Mortgage! I have had to call for a payment coupon the last 3 months. June’s was mailed late & had the wrong zip code on it. So payments for July 1st were late or mailed back to the homeowners. Called …

  115. I cant express enough gratitude to my mortgage team! Desirea, Kevin, and Rebecca have been extremely easy to work with and very responsive! I am a first time home-buyer and they simplified everything for me, making this giant life event …

  116. Honestly terrible at every step. Like many other reviewers, obtaining the loan was such a hassle with us constantly being asked for more information and explanations, and our closing date kept getting pushed back further and further (which …

  117. Diane was amazing! She was always available to answer any questions and addressed any and all concerns we had. As first time home buyers, we were nervous and a little scared. She made the experience very easy! Highly recommend

  118. How do I give a 0. Even as I attempt to write this review, my wife’s name pulls up: The mortgage is in my name not my wife’s name. I was recently charged a late fee, prompting this review. I do not trust this mortgage company. I have …

  119. This was the best experience I had. Thanks to Mr. Jerry Bailey and Ms. Denise Dixon they went above and beyond to help me make it possible to refinance my Mortgage. My interest rate went from 8.99% to 3.37% which lowered my note by $150 a …

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