Back in 07, I had NFCU finance a home for me for $360k at a fixed 6.75 interest rate. Back in March 09, I applied for a mortgage modification under Pres. Obama's new plan and they denied me (although I met the minimum criteria for getting one). They did this without any formal written notification. I had to call the 1 800 number for months straight trying to get a response. Afterwards, in June 09, I applied for a short sale and immediately had an all cash offer for $250k (although comp homes at that time were listed around $200-$240) my... read full review »