Untrustworthy and unreliable. Lacks integrity and will change contract terms. Do not use this…read morebottom feeder lender. Within a month of signing a contract with Gravity Capital, Dave Knudsen shorted me 50% of the contracted loan amount (first breech of contract) and then changed the payoff date for a second breech of contract He is a bully.

Dave was amazing through the entire funding process. I needed funds for my new business location…read moreand was able to receive my loan within 8 days! My credit score wasn't perfect, but Dave still was able to facilitate my needs without sticking me with a sky-high rate. If you need funding, give these guys a call.

Terrible, they denied our loan after pulling credit which affects our chances with future loans…read more When I asked if they have any other referrals, Brandon Orr said "Yes, yourself!". I did apply to banks where I was denied and they happily took my application, fee, and spent weeks of my time. Not to mention pulled our credit. Very unprofessional.

UMLF is an absolutely wonderful organization. When banks wouldn't lend to my new startup company,…read moreUMLF provided us with financing on totally reasonable terms. Quick, fair process with some very nice people running the show. And (after lending) they set me up with a social media specialist who has met with me once a week for several months, free of charge, and taught me loads about how to use social media to our advantage. I'm so grateful that I found UMLF.

Best agent you can have. Very understanding and super helpful and knows his stuff! Great staff…read more Always helping me anytime I call, text or email.

Terrible agency with bad record keeping, customer service, and communication. I was with the…read moreprevious owner of this Allstate agency for 20 years. Within a few years of the Mr. Livas' purchase, I had left... and they even messed up the transition. We gave them all the info, they mismanaged the refund payment (for 100% payment of the year's insurance), and then sent us to collections (I was on autopay and have an 800+ credit score) because they had removed autopay when we left and didn't know how to get the money the over-refunded. Probably won't ever consider Allstate again if this is how they treat customers of 20+ years and hire agents like Mr. Livas.

Natalia and Blanche + Team have been LITERAL life savers…read more So communicative, and answered EVERY question I had. They are so quick to respond to any obstacle with me and my circumstance in mind. I'm buying in the midst of all the covid-19 madness, and these ladies have not missed a beat. I'm SO appreciative of them, and especially of Natalie who continues to work with me so diligently even after she JUST had a baby. I'm so amazed at how wonderful and thoughtful the whole team is. They are TOTAL rockstars!

Brandon and his team are second to none. I am moving from out of state and using the VA loan. He…read morewalked me through the entire process and made it so simple, even this knuckle dragging Marine could understand. When my wife and I found our dream home, we submitted a decently strong offer but what really got the deal done was Brandon calling the listing agent and letting him know we were strong clients and the loan would be funded quickly. The security gave the sellers peace of mind and we got the home for a great deal! If you are shopping around, look no further! You're in great hands with this team! Special shout-out to Wade and Kim! On top of their game!

He's nice & honest. I came dangerously close to having a lapse in policy though because he wouldn't…read moreget back to my emails. Usually when I call he doesn't answer right away. He would do great having an office assistant! But other than that, I mean seriously -- he's honest, super friendly, and thorough. He does call back and he does... eventually... email back. I wouldn't call those flaws at all. I look forward to working with him and will change this review if necessary based on experience.

I've had Bear River Insurance for about 10 years since we purchased our first home. We've bundled…read moreand used them for home and car and have never had to make a claim. We did one chipped windshield repair and that was a little bit of a pain but it did get covered at no cost to us. I called Dangerfield Insurance (the agency we've worked with the last 10 yrs) back in September 2020 to see if they did course of construction insurance as we were going to be building soon. They said they did and we got it all priced out. I called two separate times trying to lock it down. The last time I talked to Bob around beginning-mid October he told me to give his information to our bank lenders and have them contact him. We gave our lender his information at the time of closing which was mid- October because they wanted proof of insurance and that was that. We didn't actually start framing until November the 19th. I called Bob Monday, Nov. 30 to make sure we were covered because I hadn't heard a word. I called and he said nothing was finalized and that he had a open quote or whatever it was called so I asked, "what do we need to do to get insured" and again he told me to give our lenders his info and have them contact him. We did and a day later I believe Bob called me back and said he hadn't heard anything. So I said can we just pay the premium or what do we need to do to get covered but he said he had to talk to our lender. So I said, well do you want me to give you our lenders information and you contact them directly (something that should have happened from day 1). He took their contact info and contacted her and then while talking to her let her know that we can't be insured because we had already started construction. Bob contacted me a day later to let me know that the underwriter said they wouldn't insure us because we had started construction. Nothing to help fix the situation that was entirely not our fault just a sorry but we'd be happy to insure your house once its completed.