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Appraisal was good, credit was over 700. Refinance was to remove $800 in monthly payments, not taken into account and was denied the loan even though above would clearly improve debt to income ratio plus loan alone would have saved $200 a month in the mortgage by itself.

Almost as if a computer did the underwriting without the ability to think or reason. The smart rate sounds wonderful but the reality is, you can't need this product if you are to be approved.

Just awful. will never do business with them again if they begged.

Reviewer is in unhappy mood. Please immediately contact the author of this review to discuss problems with payment of third federal mortgage. Third Federal needs to read this review and look into the issue (if any) according to poster's claims.

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