Navy Federal Credit Union Mortgage Department Navy Federal Credit Union Mortgage Officers are unprofessional and liars Vienna, Virginia

In December 2012, I contacted Navy Federal Credit Union to apply for a 100% financing loan for a new construction condominium. I completed the information online. After applying through the online system I received an email notifying me that my loan officer would be Mr. Marcus XXXX.

I immediately contacted Mr.Marcus and informed him that I am purchasing a townhouse condominium in  MD and would like to use 100% financing. From the onset my relationship with Marcus has been tumultuous as he did not explain the NFCU loan process and the documents that he required. At one point I was so frustrated that I told him to contact another member of my family because he and I were not communicating well. He was very unprofessional throughout the entire process and I had a difficult time getting him to respond to my emails and phone calls.

As the process moved on I was stuck in the middle between him and the construction company-Ryan homes and their financing procedures. Ryan Homes does not provide 100% financing so I did not use their financing but decided to use NFCU instead. A few weeks ago I was notified by Ryan Homes that I was to pay additional monies for preconstruction/downpayment. I contacted Marcus and he informed me that he was not getting in the middle of the dispute between Ryan homes and I and that was something I would have to figure out myself.

I was confused because I thought that if I used NFCU 100% financing, I would not have to pay anything other than the down payment and closing costs. I was stuck in the middle because I was given instructions by Marcus and totally different instructions by Ryan Homes. I finally insisted that Marcus talk to the Ryan Homes sales representative and get the matter straightened out. I am not sure if he did because I called Marcus inquiring about the conversation he had or shouldve had with the Ryan Homes Sales Rep and he never returned my call. On Friday February 8th I received two emails from Marcus. The first email informed me that since 60 days had passed I would have to go through the approval process again 45 days before setttlement and to contact him then.

Then 4 hours later I receive another email  informing me that NFCU would not provide a loan for a new construction condominium. He asked for the Ryan home sales reps contact information, which I provided. At that point I asked Marcus to keep me abreast of the situation so that if necessary I can cancel my contract with Ryan Homes. Although he sent that message at 8:40pm and I responded at 9PM I have yet to hear from him. I am very displeased at the service I have received from Marcus and NFCU. From the beginning I told Marcus that I was purchasing a NEW condominium and never withheld any information from him. I contacted his supervisor Amanda and she was no help at all and told me that she didnt see what the problem was and that I would not be able to get a loan for a new construction condominium although Marcus said I would and there is nothing she can do and told me goodbye.

At this point I am working again with Ryan homes who is providing me with better financing but I am just disappointed and angry at how NFCU mortgage department dealt with this situation. I paid $400 for this loan to be processed but have not received a refund even though I was given erroneous information from Marcus. I will NEVER consult NFCU mortgage department when purchasing a home and will NEVER use their financing for anything. I have referred numerous family members to NFCU and I am sorry I did because the way I was treated was unacceptable.