I have worked with Schools First FCU previously on my car loans and have had nothing short of exceptionally service from them. I expected nothing less from my mortgage application and they lived up to my expectations. Joshua is friendly to work with and guided me through the mortgage process with patience.He communicated during every step of the mortgage application and provided good explanations. He was transparent in providing estimates on closing costs and prepaids early on which helped me better plan my finances. In all, there were no surprises and the loan application went smooth.