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September 2023 by Bob Howard
Dont ever finance or refinance a home thru these idiots....the process was ridiculous.....i have a credit score north of 800, minimal debt, make good money....they made us jump thru every hoop imaginable...save yourself the headache....
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September 2021 by Valarie
I was so frustrated when I called the escrow department in Cincinnati multiple times, and my questions were not answered that I decided to call the Upper Arlington Branch. Bitna was amazing. She was professional, polite, knowledageable, and helpful. She went the extra mile to help get my questions answered. I have not received this caliber of customer service in a long time. I will definitely use this location for my banking needs.
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September 2021 by Steve T.
18 Years ago refinanced at union savings bank and everything has been good. Now I need to refinance because city of Columbus is making me attach to public sewer. Applied for refinance loan to do sewer and get some needed repairs to home. Everything seemed fine, then over 2 months later into the loan process, 10 days before closing we were told before we could get a loan to get home repairs done we would have to do the home repairs first. Made no sense. Was a loan for 60k owed 34k, on a home that appraised for 105k. If I had the money to due the repair work I wouldn't need the loan. da
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January 2021 by Electronik
Fast communication and customer oriented approach favorably distinguish Union Savings Bank. Best rates and closing cost.
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June 2020 by Shane Neff
Bob helped us refinance our home. We are not bankers or mortgage experts so we relied heavily on Bob's expertise and experiences to help guide us along the way. The service and attention to our loan was what everyone expects but not many provide. Bob was on top of everything and really took the time to explain things so we could understand them. The end result was a significant loan savings on our home, quick closing and great customer service. Thank You Bob!
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May 2020 by Kyle Albert
If you are thinking about refinancing your home, reach out to Bob Hallman at Union Savings Bank. I've used him three times, besides the standard paperwork, he's made it nearly effortless. Great communication and very professional. Highly recommend him.
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March 2020 by dembel222
Fast communication and customer oriented approach favorably distinguish Union Savings Bank. Best rates and closing cost.
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October 2019 by William Krebs
Unfortunately moved closer to another branch so I do not see them as much but always had a good experience at this branch. Staff is courteous, helpful, and gets to know you like family.
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September 2018 by Spencer W.
The practices and actions of Union Savings Bank are nothing any borrower should experience. Take my advice, stay away. Their low-interest rates and nominal closing fees in comparison to other lenders are attractive to individuals looking to borrow in the most cost effective manner. Their lending practices are immoral are profoundly illegal. My lending experience with Union Savings Bank was exceptionally problematic. The appraised value of my home was changed four times under what I believe was great pressure by the bank (illegal). As if getting to closing wasn't hard enough, fifteen minutes prior to entering the title agency for closing, I received a phone call from Union Savings Bank, regarding an "error" in the final closing document and that it could require additional monies to close. The bank representative indicated that the numbers from the estimate and closing document were simply too far apart for them to be able to file the mortgage with Federal Housing Administration, U.S. Department of Housing and Urban Development. The lender indicated that the original closure document that I had received was incorrect and that the cost to close would be changing and I would need to issue a check to close. A difference of $2,063.91 among the closing disclosure documents. A Closing Disclosure must be received by the borrower at least three business days before closing. However, the newly issued closing statement was received 15 minutes after the closing was to start that morning. In a matter of minutes, Union Savings Bank inflated fees throughout the fee statement to increase the cash to close thereby achieving their goal of meeting the expectations and margin of errors as set forth by the Federal Government. The numbers the bank had presented me in the Closing Disclosure document were significantly off. I was required (per the bank) to issue a personal check in the amount of $1,483.46 to the title agency so that for regulatory purposes, the bank would be within their percentage of error when compared to the loan estimate. I was forced to buy an "optional" insurance that I did not elect and was told I had to have the coverage for the bank's numbers to meet government regulations. Union Savings Bank placed undue pressure on my realtor and me to sign and accept in full their conditions with no time to research or better understand them. They bullied the home builder and they forced my hand throughout the loan process. When I attempted to leave the bank and reenter the market for my mortgage needs, they made it impossible to do so by filing the appraisal with HUD. In doing so, I would have lost money in application fees, been met with higher interest rates from an uptick in the market, and still have been held to an appraisal amount that I believe was unfair. Additionally, I would have lost more time in the process of closing with a new lender for a closing that had already been delayed. At best, these actions and missteps by Union Savings Bank are unfair, unjust, and unwarranted in my lending experience as a consumer. The Mortgage process is stressful, take my advice, DO NOT DO business with Union, I promise it's not worth saving a few bucks a year. I closed my loan in late 2016 with USB.
