Third Federal Savings & Loan, St. Petersburg FL

Competitive mortgage rates and products including down payment flexibility. Respects consumer privacy by not sharing information with third parties. Our loan officer, Jacklyn McMahon, was very responsive and went above and beyond to make sure everything stayed on schedule despite unforeseen challenges during closing. Highly recommend.

Avoid this bank at all costs! It is the most unprofessional and disorganized bank I have ever used. I made the mistake of thinking their low rates were something that would be great. Wrong! I would take an entire percentage increase to have never dealt with them in the first place. Heed my warning, after using them you will regret it.

What a great bank.

The phone call to get my refinance started was easy.

My agent Kim made sure I had on - line
access and I was able to just upload everything they needed.

The program they offer under low cost is great. If you don't plan on staying in your home more than 5 years it isn't worth adding 3 or 4 k to your loan. The closing costs are $295 bucks. Additionally if the Fed lowers interest again In a year or two I can relock for another 5 years for $295 bucks.

The have conventional programs too. If your in the market for a loan check them out. I had to drive to St. Pete for closing because other branches arent open, but that's okay.

Ps. They escrow taxes, and they don't escrow homeowners insurance, you just pay that once a year yourself. Don't let that scare you off.

I recently received unsoliticed mail for a mortgage refi. I called to be removed and the guy actually told me to relax when I asked him to remove me and then began to berate me. Stay away from these guys!

I am always pleased with the level of service from Wendy Zulick at Third Federal, St Petersburg branch. This is my third time getting a mortgage through Wendy, and thanks to her, the process is easy, seamless, and always with a smile!

Great experience @ this bank. Walked in, the lady asked what I need help with, put me in front of who I needed to talk to, and that was that. Business handled without a long wait