It took NFCU 7 months before finall6 finishing my refinance. I answered the same questions 4 times and filled out the same paperwork over and over. I dealt with six people and there seemed to be no direct accountability. I filed 2 complaints with the Consumer Financial Protection Agency and 1 with the BBB. I WOULD NOT RECOMMEND THIS BUSINESS FOR MORTGAGES! The banking aspect seems to operate much more efficiently.