In October 2010, I requested to refinance an existing mortgage with Navy Federal Credit Union. The process was the most miserable experience I have ever endured. Despite the fact that they already hold my mortgage, the underwriting committee procrastinated with a decision for more than two months. When they finally gave me loan approval, they told me that I had only two days to settle before the rate expired. My settlement attorney was out of town. When they extended the loan approval, they increased the rate by 3/8% and increased the discount... read full review »