You are very lucky that you didn't get a mortgage loan with NFCU. We have one with them, and are unable to get any kind of real communication concerning issues and have had to deal with uncommunicative "service" reps. As soon as we are financially able, we will be going with another lender to refinance, and will not use NFCU for anything again! I have been a member for over 25 years, so that says something about their recent 'style' of conducting business.