I first opened an account at the West Portal branch and had a GREAT representative who helped me with a Home Equity Line of Credit. Knowledgeable, friendly, helpful. Then when I needed an adjustment to my HELOC I called the rep and learned he no longer worked at First Republic. Bummer…such a nice guy.
I got connected then to Brett at another office who really surprised me when I asked simply to get the same HELOC rate they were offering new customers at the time. He tried to bargain with me about getting an adjustment, like he would do me that favor if I just deposited more money. Thanks for nothing.
When they opened the Noe Valley branch in my neighborhood I thought I would stop in and talk to a loan officer. The front desk person could not find someone, but promised someone would call me back. Never happened. I did pursue it further and finally speak to someone and was told “sorry, we can’t make an adjustment.”
I feel trapped. Bottom line: I may be paying more for my HELOC than you if you walked in there now, but be forewarned: They are not as accommodating as they’d like you to believe.