Underpromised and Overdelivered!
In an age where everyone seems to over promise and under perform, it seems we have found the exception in Shelly Cox and North American Savings Bank. My wife and I found ourselves at wits end with a loan competitor that had consumed two and one half months of continuous records requests peppered with a litany of promises. We actually lost one home and our Ernest money due to delays. Then, we found Shelly. With no promises but with professional, confidence she sold us immediately. Working hand in hand with the underwriters of North American Savings Bank she swiftly and efficiently closed our new home deal in less than 3 weeks. Shelly never made promises she would not be able to fulfill. Just positive, measured requests, facts and statements. The difference between our experiences with two loan originators was marked. Deep appreciation to Shelly Cox and North American Savings Bank for their tireless and professional skill and knowledge. You have made such a positive difference in our lives. James BowersJennifer Christensen
James Bowers
The drive-thru representatives are so helpful & nice - always with a smile!
The representatives at the drive-thru window (St Joseph Mo.) are so nice, knowledgable, helpful, etc. I wouldn't go anywhere else. They always have a smile!!!!
Jo
NASB does a great job
NASB does a great job. Their customer service is always friendly and helpful. If you want assistance on a banking problem they have always come up with a very workable solution. Their mobile app is easy to use, and the way its set up makes it so much easier to track my money. Their Fraud Prevention Services work well, within minutes of a suspicious charge they call the customer. Thank you, NASB.
Karen Puckhaber
"Sharon" ran my credit before the date I had specified
"Sharon" ran my credit and denied me before I was ready. I told them I was searching around for ideas and came across this. She was vague and dismissive, and ran our credit immediately after speaking and containing information, knowing the date had provided for us to be the most ready. That would have been the date to do a hard pull. These people are not being monitored for quality assurance and making rash decisions for their customers without any legal or accountant knowledge or oversight.This level of "processional" should not have access to these files and should simply take information and forward it to a proper department for decision making.I was denied before I realized I was applying. We had subscriptions to cancel and life to pay off. Perhaps cash or other things to add. A property, perhaps. Please take people's credit and lives more seriously. It was only a few weeks to wait. I was just asking questions.
Early
Very Positive Experience
E-sign up was seamless and questions through messaging were answered within minutes. This along with a top notch rate places this organization in a very favorable light. I will be recommending their services.
RJ
Didn't know what a barndominium was… I
Didn't know what a barndominium was… In an effort to keep this short, sweet and to the point don't deal with a mortgage company that doesn't understand real estate. We decided to give our business to North American Savings Bank because of the perceived large offering of products for mortgages. To set the stage my wife and I have credit scores at or above 800 no consumer or auto debt and the only debt we have are two secured mortgages that have rental income that more than cover their costs. We own three properties one residential, one rental and one commercial, With a total equity north of $1.3 million. We started our mortgage journey with Dirk kiser (loan officer) and explained to Dirk that we were looking at and had made an offer on a property consisting of 95 acres and a barndominium. We gave him the listing information and discussed what that property was and what our intention is. You would think that if there were any concerns with this type of property we would have been alerted at that time or shortly thereafter. That was not the case, in fact we made it all the way up to four days prior to the closing when we were then told that they did not have a product that fit our property. We are now at risk of losing a property that we had searched three years to find because of the ineptitude of one individual with the inability to know his products and real estate in general. If you are looking for a property that doesn't fit the cookie cutter 3 bedroom 2 bathroom house in suburbia do not and I repeat do not waste your time and money with this company. To sum things up Dirk made it very clear that he and North American savings bank takes no responsibility for us losing the opportunity to purchase this property. Thank you NASB for wasting our time and money.
Mark
WORST MORTGAGE LENDER EVER. Veterans Run for the Hills.
WORST MORTGAGE LENDER EVER.I have unfortunately been a NASB customer on a VA Loan for over 3 years. They have continuously caused problems and refuses to own up to their own mistakes. They constantly raised my escrow amount each year beyond what the cost of property tax and insurance is. Most recently, they paid the wrong insurance policy! They paid the insurance policy for a property they do not have the loan on. That property is through another lender. This caused my monthly mortgage payment to increase ~400$. They asked that I "pay the increased price" until they could figure the issue out. It took 3 months. I just refinanced through another lender. Save yourself the headache and go elsewhere from the start.
Tate Buffington
John McKim is a thief
John McKim is a thief. We went with him to buy our first house. He advertised a fancy low rate and credit at closing so we went with him. He had 45 days to meet closing but can't even meet that. We had to bug him repeatedly to get the appraisal scheduled even though we paid for it over a month before closing. He waited several weeks to finally get it scheduled so then it had to be expedited. He wanted to charge us the fee to have it expedited but we complained about that so he claims the company with reimburse us at closing. Now they are telling us that we wont get the appraisal back before closing so we will have to push it back. He has been horrible at communicating with us so we constantly have to call him to find out what is going on with the process, usually to learn that there is a problem. This have been a living hell for us. Buying a home for the first time should be a good experience, not hair-pulling. I would never recommend him or this bank to anyone looking to buy a home. Run away fast!
Eric G
Wouldn’t recommend
Sorry but service is just awful.
Kenneth Lowe
Took 6 months to close
Took 6 months to close. Requested unnecessary documents throughout that DU Fannie DOES NOT REQUIRE. Refinanced 3 other homes during this time with another lenders while this bank screwed everything up. AVOID LIKE THE PLAGUE.
Mike Merry
It took NASB almost 5 months to close…
It took NASB almost 5 months to close our refi. They would schedule a day for closing and then delay it due to not having some type of “document.” The last delay was due to NASB saying they didn’t have our homeowners insurance document. NASB said they contacted my insurance company, but there hasn’t been any response. When I found this out, I called my insurance company. I was told that no one from NASB had called them. My insurance company sent me the document immediately. It was exactly the same document that I uploaded into NASB’s portal four months earlier.
Tad
Worst everrrr
Re home mortgage refinance Costco referral, identical experience to other reviews, three month plus purgatory waste of time, feel sucker punched
Southern Calif home owner
NASB is awful
NASB is awful. Believe the bad reviews. Picked them from the Costco program in August and they couldn't get a simple refi closed by mid-Dec.
Scott K.
Don't Fall for NASB Trap
Please save yourself time and headache when refinancing and avoid NASB. They lure you in with a low rate and fees, but the underwriting requests are over the top. Despite a credit score >800 and a home mortgage less than 1x annual income, NASB was unable to close a refinance within 100 days. I have used multiple banks for mortgages and refinancing and NASB was by far the worst.
Joseph King
