First National Fixed Mortgage Consumer Reviews

I was happy for the first three years when I did not have to interact with anyone with this company and I could see everything about my mortgage on the online dashboard.

Then, I needed a title change when my partner and I split. They re-asked for documents over and over, asked for new information throughout the process, sent the wrong information for lawyers and also ‘made a mistake’ that my lawyer caught, which was that instead of a title transfer they had set it up for my mortgage to be cancelled and for me to have a new one. This would have meant higher interest rates and thousands in additional lawyer fees for things like a title search.

After 3.5 months of trying to get this sorted (thankfully my ex and I are on good terms) we decided to sell and forego the title transfer process. I notified First National of my plan and then put my house for sale and applied for a mortgage with a different company. A month later I get a call that my mortgage is delinquent and I have missed two payments. I was confused because the money is always in my account and I don’t pay a lot of attention to it.

After a long conversation, the agent admitted that it was because they had set an internal deadline (unbeknownst to me) on the title transfer being complete and suspended payments on their end expecting the mortgage to be paid out (which it never would be with a title transfer). I told them “okay, that sounds like that is on your end. Please take the money out of my account today.”

Done right? Nope! I asked if this would impact my credit score and no one could tell me for sure! I told them I needed to know because I am in the process of buying a new house. Their answer? Oh well, you said you’re preapproved so your credit score wouldn’t be impacted until after that goes through. You should be fine. Excuse me?! Your mistake, my credit - new mortgage or not.

So now, I made them promise in a written confirmation (always get everything in writing from them) that if this impacts my credit score they will be in touch with the credit bureau to make sure it gets fixed. But after all this, how do I trust that?

I would NEVER trust this company to work with again.