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NorthpointeBank Reviews

NorthpointeBank
Northpointe Bank (18 years experience)

Specialties:

Purchase Loan, Refinancing

 
- Highly likely to recommend
06/24/2014 - user437083
Closed refinance loan. Lake Elsinore, CA
I worked with Tim Tusing to complete a refinance on our home. During the entire process he was very helpful and responsive to any questions that I had, and even though we had some delays in closing our loan due to our old lender dragging their feet, NorthPointe extended our rate lock at no cost to us and ensured that everything with the loan still closed properly. I wasn't sure what to expect when I first contacted NorthPointe, but they definitely met and exceeded my expectations and provided a great value in getting our home refinanced.
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- Highly likely to recommend
06/22/2014 - zuser20140622084024163
Closed refinance loan. Evergreen, CO
I was hesitant to attempt a refi with a lender I found online, but after reading all the positive reviews, I decided to try to refi through Northpointe Bank. What I found was the best rate available at the lowest cost.

I worked with Jim Koops, who was responsive from my first inquiry. I received quotes from 3 lenders. The initial quote and GFE from Northpointe sounded too good to be true...lowest rate and closing costs with nothing rolled into the loan (unlike one other company on Zillow that tried to sneak an extra $5k into the loan).

The application process was easy and all documents can be signed online. Having gone through the mortgage process and refi several times before, I knew what underwriting would need. It is easy to upload any necessary documents via Northpointe's secure server.

Part of the initial process when you choose to work with Northpointe is a $400 non-refundable deposit. At first I was hesitant of this, but it is to ensure they are not wasting their time and resources should an applicant be dishonest on the loan app. Additionally, the $400 is issued as a credit at closing. Also, when it was time to order the appraisal, I didn't have to pay for it at the time it was ordered. In previous mortgages, I always had to pay the appraisal when it was ordered, but there was no deposit. So in reality, Northpointe's $400 deposit is simply for the appraisal.

I did a 30 day rate lock figuring with excellent credit, verifiable income, and a 78% LTV ratio it should be an easy and fast process. However, due to the volume of loans Northpointe completes, we were not able to close within the 30 days. Since the delay was due to Northpointe being behind, they honored the original rate lock at no additional cost to me. I think this shows they are an ethical business that values their customers.

In all, my loan closed in 38 days. I'm am extremely impressed with the service and rates offered by Northpointe. I've already mentioned them to my friends in case they are looking to refi. No doubt there are predatory lenders in the marketplace that will try to hide costs. Avoid all that nonsense and work with Northpointe if you are looking to refi at a great rate with minimal costs. I'm still not sure how they were able to do it, but I know I'll enjoy the monthly savings that I'm no longer paying in interest on my mortgage thanks to Jim Koops and Northpointe bank.
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- Highly likely to recommend
06/11/2014 - cjperry
Closed refinance loan. Eastlake Woods West, Chula Vista, CA
I worked directly with Timothy Tussing throughout the process. This was my 4th mortgage that I have experienced and the first with Northpointe. Northpointe's application and closing processes were fast, easy and flawless. I live in southern California but that did not pose any challenge to the process. Approval was fast with no requests for additional documentation. Appraisal scheduling and process was quick and the appraiser was very flexible with our scheduling needs. The closing was easy with the notary coming to our house at 7:00 PM. Total time from initial contact to closing was 28 days (Standard mortgage / not an FHA or VA loan)

As far as total cost: Total cost for us was $18.98. Not a typo... it was less than $20.00! This was a refinance out of an FHA loan that is saving me almost $300 per month. The final cost came in considerably less than the initial quote and the Good Faith Estimate that I received.
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- Highly likely to recommend
06/07/2014 - eemialee
Closed refinance loan. Lexington, SC
Jim Koops was very knowledgeable and very helpful in our refinance. I had A LOT of questions and Jim was always available to help. I am very pleased with the refinance process through Northpointe Bank.
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- Highly likely to recommend
06/06/2014 - user9051116
Closed refinance loan.
Ian was fantastic! He was very responsive, made things easy to do and follow, and answered any questions I had. He communucated with me often through Email to keep me up to date on the process. Any time I called or Emailed a question he either responded that day or the following. I highly recommend Northpointe Bank!
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- Highly likely to recommend
06/04/2014 - Loomey
Closed refinance loan. Union City, CA
I was very cautious and went with least expectations when I applied for refinance. Kim Gierescher was my loan officer, the thing which straight away struck me was the transparency and straight forward approach. She listened to my needs, send me details and figures with various scenarios and explained me the terms, benefits and downside of each one of them. We agreed on one of the options and appraisal was scheduled on time. Underwriting went like breeze. Notary scheduled time with me and came home! We had pleasant experience while Notary took his time to explain me each and every details and papers which I was signing. Overall great experience and Kim was available at every step of the way. The loan was disbursed in approx 30 days, paper work complete and I don't have to pay mortgage insurance any more :). Kim thanks for great experience.
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- Highly likely to recommend
05/30/2014 - davidmorton9
Closed refinance loan. Painesville, OH
I was skeptical initiating a refinance online with an out of state bank. All of my previous dealings were with brick and mortar local banks. I refinanced my primary residence with Northpointe and the entire process was outstanding and painless. Kim Gierescher was our Loan Officer and her customer service was the best I have ever experienced in the banking business. All details were expedited and we closed within thirty days of our rate lock, without any snags. Thanks Northpointe and especially Kim, you exceeded my expectations!
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- Highly likely to recommend
05/24/2014 - fwbass38
Closed refinance loan. La Mesa, CA
We have refinanced 3 times in the last 10 years, the loan with Northpointe Bank and loan officerTimothy Tusing was by far the best experience of any previous loans. The loan was accomplished within 30 days securely via internet with final signing in our home.
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- Highly likely to recommend
05/16/2014 - NPSOC
Closed refinance loan. Tustin, CA
I have to admit it, I was a little nervous working with a company that was across the nation but I could not have been more wrong. Tim Tusing was great. He was very responsive, patient and knowledgeable. I felt from the very beginning that we were in good hands. We closed our refi loan within the agreed time frame. For me, integrity and honesty are very important and Tim certainly lived up to my expectation. Without hesitation, I would recommend NorthPointe Bank and Tim.
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- Highly likely to recommend
05/14/2014 - user82539672
Closed refinance loan. San Leandro, CA
Kim Gierescher was very helpful and in taking care of all my mortgage needs. All of my information was send to them using a secure link so I know my information is protected. I got a pretty good rate for my mortgage with NORTHPOINTE BANK and recommend people look into what NORTHPOINTE BANK offers.
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Professional Information
Address:
Northpointe Bank
3333 Deposit Dr
Grand Rapids, MI  49546
Phone:
(888) 865-9063
Email
Web:
Website
Advice posts:
128
Screen name:
NorthpointeBank
Member since:
03/25/2008
NMLS #:
  • 783169