I am not long on writing reviews so I'll be short. I am in Manhattan and used Rochester for my mortgage. They offered me better rates and closing costs than my employer (a money management firm) Yes I paid a lock in fee but got it back at closing like the paperwork says. Nothing bad to say other than had to deal on the phone which was fine in the end since I am a busy person and we ended up doing everything by mail. Closing costs were cheap also. I go there again and referred some people in our office to them.
Pros: everything fine
Cons: no local office
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