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  • I just completed closing a loan with NCM. I have completed many real estate transactions over the years and know the process well. Without a doubt this lender was the worst experience I've had in 25 years! They usually come in w competitive closing costs on major websites like bankrate.com but what they dont tell u is how difficult their process is just to get to underwriting. Once in underwriting it's a nightmare you wished u never started. To sum it up, if you have any assets beyond the normal few do not deal with this lender. They will make your life a living hell. Both my real estate agent and buyer were shocked at their practices. As an example i have never had a lender submit documents for signature AFTER the closing at the title company! Their responsiveness to questions was delayed, dont try to reach them at 5:01pm even when encouraged to do so, be prepared to answer the most trivial request for deposits to accounts (like $300) etc, etc. All in all, if you arent too far in the process, go somewhere else. There are much better lenders out there. By the way, because of the kind of transaction I was doing, I put down 70% cash, had perfect credit, treated me like a criminal, asked for the same docs multiple times and would notify me about the status of the process AFTER my agent called. Nothing good to report.....
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