We used Emery Federal for an FHA refinance in summer of 2012 without any problems - low rate, easy closing, minimal closing costs. So when we decided to move and purchase a new home in summer of 2013, we thought we would definitely use them again for the mortgage. This experience, however, has been abysmal. We had the CO for our new home five business days before scheduled closing, however, 24 hours before it was time to close, the broker called to say they would not be ready. While this impacted our move time, we rescheduled our closing from Friday to Monday. The broker assured us all would be ready to go. However, Monday came, and still no final paperwork to actually close. We rescheduled again for Tuesday. At this point, we had to reschedule our movers again, but showed up at the attorney's office to close. Once again, Emery had not done their due diligence and provided all of the necessary documents for us to close. So yet again, we rescheduled our movers, and moved the closing date. It really floors me that this is their business they talk up, since it seems as though no one understands exactly what they need to provide to the attorney in order for us to finish this process. Even though they provide good rates and reasonable closing costs, if you are unable to close on the home in a timely manner, it negates any benefits of using them. Rescheduling closing due to employee incompetence is absolutely ridiculous. I would suggest you go elsewhere for your mortgage needs.
Banked with they since college. Always better than a big box bank. Highly recommend this or other credit unions if you have access.