They do business in NY…My parents had them for their last mortgage.
I did hunt… I did a 203k and i was told it didnt matter where we did it was going to be a nightmire… and it was… so Im not sure if it was hunt or the 203k but it took just shy of 1year to close. and we are still dealing with (1 year later) the 203k
Mike
Yeah I’m hoping First Niagara doesn’t turn into a shit storm like that. I would have liked to talk to someone at HSBC but no one would call me back. Oh well.
I refinanced with M&T bank never did a actual buying of a house with M&T but it was done in 2 weeks at a low interests rate of 4.375% 
Never had a complaint but again it was a refinance and i had all my paperwork prepared.
I did my research and gathered all the paperwork that i needed then when they wanted it i had it prepared. that help me throught the process fairly quickly.
I know M&T bank has a very strict screening process and im glad they do. They might take long but they got the job done correctly the first time around for me.
But then again i also work for M&T bank haaha
1st Priority has been great for me and the wife so far…
If you’re still interested in talking to someone at HSBC, PM me your contact info, I just talked to my contact there two days ago.
I have been talking with HSBC representatives the last 3 days with 0 complaints. So far they handled all of my phone calls and emails very promptly and professionally. I will be buying in 10 months! cant wait! love this first home owners club shit its the siqqnessssssss
Yeah we have signed with First niagara, thanks everyone. I do wish I would have gotten a chance to speak to someone at HSBC but I’m not going back now.
Going into a branch was what did you in. The mortgage corp. is a seperate entity from the bank with all different people. You would have wanted to deal with the mortgage center in Depew directly. Oh well
Sure I realize that, however if you go into a branch they give you a representative from the mortgage corp. I called two of them. Unfortunately no one called me back. It happens.
man it seems like you guys are going through a lot to get a mortgage… i walked into my bank branch and talked to their mortgage department… i’ve done this 3 times over the past couple years and have never had a problem…
Hunt Mortgage here. 100% Happy and i was locked in at a fixed 4.5%.
I did bank of america… with the no fee loan… No fees no PMI
It really was no fee’s… they weren’t hidden somewhere else, or gotten back with a higher rate… they gave us like 5.35 when everybody else wouldnt come down past 5.75 or so (this was over 1 year ago mind you)
What bank? Most banks don’t have a mortgage dept in the branch.
Really! Are you sure it wasn’t just financed into the total loan because I have been seeing that offered a lot.
this is PNC in PA… my branch is the biggest one in the county and its centrally located so that might explain why there is a mortgage person there…
I’m using HSBC. Got my pre-approved letter back my in less than 24 hrs. Called him yesterday to do the application and he fit me in for today. He’s also called a few times out of the blue to see if I had questions.
I used a mortgage broker. Premium Mortgage out of Rochester. I’d use them again. They were good. Well shit, they were good 5 years ago anyway. (I bought my house when I was 23. I am awesome.)
No PMI? Did you put 20% down, as far as I know PMI is mandatory if you don’t have at least 20% equity in your home through any bank/lender…
im buying my house in a couple months… i am 23. am i awesome?
buying a house at 23 = Awesome.
financing a house at 23 = meh