Allied First Bank

Initial Business Response /* (1000, 5, 2015/02/17) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@alliedfirst.com
Hello [redacted], I have reviewed your file and I do apologize for the oversight on your condo approval. The majority of the VA...

refinance loans we have completed recently as rates have dropped, are VA streamline IRRRLs with no appraisal. This one slipped through the cracks as our business has substantially increased. At times we are able to get a VA approval for a condo complex, but sounds like this one didn't work out. We are issuing you a full refund for the appraisal and you will receive a bank check via [redacted]. Thanks.

We had a good experience with Joseph [redacted],Senior Loan Officer, and Ric,Loan Processor, in refinancing our home. They were flexible and answered our questions. They were positive and displayed great customer service.

I recently work with Richard [redacted] of Allied First Bank. He was very professional and experience with my mortgage purchase. And went beyond for customer support and financial support also I want to thank Richard [redacted] for being patient and very courteous also when I call him he alway follow up with me and communication is very important. He was very good at this and I admire his way of handling situation which we had very little or none though my experience. I would recommend Richard [redacted] to my friends, family and collegues. Thank you Richard

Ms Brown was very knowledgeable and helpful once I sent her my information she went right to work and got me the best rate. I have already recommended her to a friend and she's also has conveyed to me her pleasure with working with Ms Brown. All AAAA Thanks

Transaction went very smooth! Tom [redacted] was great at answering all my questions and believe me I had a lot. Being a first time home buyer they were great at informing me of all the incentives that were available. Would recommend to anyone!

Contact Name and Title: Jeff [redacted]
Contact Phone: [redacted]
Contact Email: j[redacted]@alliedfirst.com
Hello Analu, I am sorry to hear about your process with Allied First Bank. Typically our files do not incur delays such as this one. However delays do happen at times based...

on each individual file's circumstances. I will review all to find out what happened and why and will contact the lender on your file as well. If I find this is our error we will definitely refund your appraisal fee, in addition to any late fees you have incurred. thanks.

I was very skeptical when I first called about this VA rate reduction loan. I talked to senior loan officer Sandra [redacted] when I got the letter in the mail. She talked me through the process and was very professional the entire time of the loan. She always answered any questions I had and did such a great job. Her processor Ashley helped her get this loan done. I have given all of my friends and family her phone number because she does a great job. It was a fast and easy process and I am very grateful. Thank you to Sandra and Ashley!

Have been banking there for more than twenty years. Have always received outstanding service in regular banking and car loans, and saw it again, just recently, with a new mortgage. The staff is genuinely committed to excellent customer service, and takes sincere personal interest in complete customer satisfaction. Always willing to go the extra mile. Highly recommended.

I recently called Dawn [redacted] at Allied First Bank about ordering checks on line. Dawn went above and beyond what I would have expected with customer service. I was very pressed for time and she made it possible for me to get checks ordered quickly. Thanks!

Had a great experience with Craig [redacted] at Allied First Bank for my home's refi. The entire process was smooth, easy to understand, and in the comfort of my own home! Highly recommend!

I am a combat veteran and, after receiving a notification in the mail, I contacted Allied First Bank regarding a VA refi on my property. Craig [redacted] was my agent along with his processor, Ashley [redacted] Craig was on top of things throughout the process and I could not believe how quickly and smoothly it all went. Within a very short period of time the refi was completed. He provided excellent customer service and I have recommended him to other veterans due to my very positive experience.

I could not be happier. I worked with Tia [redacted] and she was wonderful. she was quick to respond with any questions I had.

Jessee ([redacted]) [redacted] at Allied First Bank knows his business! Very easy to work with and professional. He responded to all my emails and phone calls in a timely manner and delivered on his promises. We closed early and pretty close to the estimate he had originally given me. I would absolutely recommend Jessee and Allied First Bank for any of your home purchase, refi needs.

Jessee [redacted] was in constant communication providing all needs and recommendations during the time of refinancing my VA mortgage.
Jessee [redacted] anticipated my questions and needs and delivered with excellance and swiftness. Jessee [redacted] was very prompt, professional, and accurate on refinancing my mortgage. I highly recommend Jessee [redacted] for all your mortgage needs if you want to get it done with quickness and accuracy! Jessee was fantastic, thoughtful, and detail communicative in our deal! I highly recommend him as your mortgage refinance needs. He made the home buying process painless and really easy. Thanks so much Jessee! Super satisfied customer. Thanks !

I worked with Paul [redacted] and Jenny [redacted] at Allied First Bank and just wanted to say they did a great job and were very easy to work with. My situation was very complicated and they helped me through the whole process. I would highly recomend them.

Mr [redacted] and Ashley [redacted] was very helpful in refinancing my home. He was able to eliminate my PMI, lower my interest rate & lower my mortgage to 20 years. He was able to do more then what I expected. I highly recommend both of them.

I worked with Jessee [redacted] recently on a [redacted] streamline refinance. Jessee was extremely friendly, knowledgeable, and thorough as he worked with me and my file. He made things extremely easy for me. I have owned many homes and mortgages in my day and he is by far the best Loan Officer I have used to date. We were closed right on time and Jessee had predicted the funds almost to the penny. I highly reccomend Jessee and Allied Bank for your mortgage needs.

I bought my first home at the beginning of July with the help of William [redacted] and Allied First Bank. Will was great to work with and kept my best interest at mind throughout the entire process. He made sure to keep me in the loop, provide me with updates in language that I could understand, and an amazing rate. I definitely recommend Allied First Bank and Will. Thank you.

I wish to raise an official complaint in regards of my first home loan and experience with your mortgage loan originator. Being a younger individual trying to purchase your first home loan is always nerve racking. I didn’t know what to expect going into this, and I required a lot of assistance when it came to my knowledge of this process. One of the biggest issues with Don Flynn ( my mortgage loan originator) was not only the lack of communication but the way I was treated during this process.
When I started this process Don assured me he could make this a fast and easy process. Using a USDA loan I knew going into it that there were many details that came along with this type of loan. Don approved me over the phone for $100,000 because that’s all I asked to be approved for. My fiancé’s Grandmother had Alzheimer’s and needed to sell her house seeing she was in such late stages. His Family needed the money for assisted living purposes to make sure she had the care she needed that they could no longer provide for her. For Medicaid purposes, we ended up having to sell the house for at least 110k so it didn’t look like an improper transfer of funds when Medicaid did the 5 year look back.(whenever that was needed to be done) Don again assured me that would not be a problem. We went and sat down with my mother in law, fiancé, and my mom. I signed papers agreeing on the 110k and signed all the paperwork needed to get this process going. I Brought ALL the information he asked me to bring and he even gave me a heads up that I’d be hearing from his assistant with in the next 2 days to get my welcome letter and other paperwork that he may or may not have forgot to get from me.( which I never received) Again, no problem!
After that night I went a week and a half without hearing from him or anyone from the bank. He didn’t return any calls, texts, voicemails or emails. Finally I got fed up and had to call the corporate office. Whomever it was I spoke to was EXTREMLY friendly and helpful! It gave me some hope that "things happen" so I let it go and moved on. Then once I called within two hours I got a phone call from not only don but a gentleman that was supposedly “helping” him with my loan (although I never heard from him after that day, and I was not impressed talking to him.) During this whole process I felt extremely frustrated and like my business was not of importance, Just because I was a younger female at the age of 20 buying my own house. Yes, nowadays that’s unheard of, however instead of belittling me and talking down to me you’d think your company would 1. Appreciate my business, and 2. Be proud that there are younger kids out there that’re mature enough to afford a home on their own and have the credit and job credibility to be at that point in their life at the age of 20. But once again I pushed through and let it go. A couple of weeks passed by we had all the inspections and appraisals done within a week and were ready to close on the loan. I Then got a call from Don trying to tell me that I needed to change my type of loan I was getting because he all of the sudden couldn’t get me approved for 110k. Mind you even though a month ago when I signed all the paper work he said in front of my family that it would be no issue. I found it extremely bizarre so flustered and upset I went to my mom and had her listen to our conversation. She works in the business and she and I both felt as if don was just trying to get me to change my loan so he could make more money off me. I know that most people don’t make much off of government based loans. The more I talked to him I could hear the sarcasm in his voice. I stayed calm and stayed very respectful despite the issues I felt with him all this time. That was yet another issue I had no patience with. Funniest part of it all was after that day I heard nothing about my loan not being able to work. I even went as far that night to call my insurance agent for the house to lower the payment so there was no reason this loan couldn’t work. This process started February 25th and finished on April 15th, which would be 50days. I was again told it would take 45 days at most. However I’m a very patient person and understand mistakes happen and being a younger individual I’m sure there were more hoops that needed to be jumped through than most. However to me it seemed like my loan wasn’t of importance once again. So it taking longer than usual was just icing on the cake at the end. When I finally got my closing date and I asked Don if he would be attending the closing (which I knew he didn’t have to be there) and he told me he had 5 closings that day but since he would be in area he would be there. He even asked me the best way to get to Canal Fulton from New Philadelphia since that closing was in the afternoon and mine was at 5:15p.m (This conversation was on Wednesday two days prior to closing.) Friday came and Don did not show up nor give me a phone call or text that he wasn’t coming. Even better [redacted] the Gentleman from the title company tried calling him during the closing because there was an issue with the paperwork again no answer from Don.
Once again, being younger I learned to always read before I sign paperwork especially at this point because I did not trust Don nor anyone who was in charge of this loan. Luckily for Don all of the banks documents showed our monthly payment being at $731, but the note was showing $684. My first instinct is to not sign but then again the number is lower and can’t hurt me, if it would have been higher I would not have closed on the loan and your company would’ve lost my business and other people I have referred to Don in the beginning.
This process to me was so upsetting and frustrating that I would have started completely over somewhere else! Despite how good of a rate I got and the amount of money I had already spent with your company, it was worth losing it all and giving you none of my business that’s how frustrated and upset I was at this point. This letter is not intended to degrade your company, but make you aware of the people you have working for you. My purpose of writing this letter was to explain my frustrations and how unhappy I was during this whole process. No one should be treated the way I was. I don’t care what your age is or what sex you’re. That should not determine your ability to achieve things in life, but clearly in this situation it did.

Sincerely,
Alexis Engelman

I was very please with the helpful, attentive, and proactive attitude of my representative. She shepherded me and the other actors involved through the process, negotiating pitfalls and delays as they arose, and keeping us on track. She was extremely helpful in identifying requirements and relaying documents to and from me as they became available. I suspect the whole process would have taken much longer and might even have not reach such a satisfactory conclusion without her hands-on involvement.