I had no problems with Elend! Actually they gave us the best rate. We live in Florida and all the mortgage companies down here require at least 3 months of reserve money saved. My husband and I did not have the down payment plus reserve money. My family has used Elend multiple times to buy their homes so I thought I would give them a try. I was so frustrated and down because we had to get out of the house we were living in very soon and really wanted a house of our own. My aunt referred me to Robert and he called me back immediately. He asked me some questions and told me there would be no issues with getting qualified and getting us a home. And also they did not need to see any reserve money. I was so relieved and he eased all my worries. I worked with Arika and Jessica who gathered all of our information and paper work and again not once were they unavailable. They replied to every email immediately and every phone call they answered or called me back right away. The paperwork was very easy to submit to them from the profile on their system. I just scanned all my documents using an app on my phone and sent them right through. It shows you when something has been submitted and what is left to do..This was the most stressed out I have ever been, and every one of them made me feel like it was ok and would tell me not to worry, everything looks good, and it will be over soon. We did have a hiccup with the title company down here, they were saying that our new home was on private property but it's not. Which meant we would've had to write up all new paper work and would not have closed on our set closing date. The landlord of our home we were in had already sold the house and we had to be out on our closing date. Between our realtor and Jessica at Elend fixing this error and not letting it go until they fixed it right away, we would not be in our new home right now. Everyone at Elend went above and beyond and I have already referred friends to them and they too have good experiences. And also we ended up paying way less than we thought at the closing table and had a good chunk of money left over in savings, we also received two more checks after closing because there was money left over! Maria Shindorf read more

I've refinanced or closed on a loan five times in my life and this was by far the best experience recently with eLend. I contracted eLend on May 3rd 2016, found them though a "Bankrate" search and there rate was better than anyone and tied with one other. I got estimates from each, while the rates were same eLend fees were much, much lower. When I was paying for the appraisal ($475), I was given a $200 closing credit just for asking for a lower amount. I was able to get the appraiser to come at lunch a few days later and received the final report a week later. The processing fee was also offset with a lender credit. In addition, the title fees quoted were cheaper than anything else I could find (and cheaper than three years earlier when I refinanced with Citimortgage). Sarah Harper was my initial contract; she always returned a call or answered any question, just a pleasure to deal with. I also liked that eLend send out these emails as your loan moves to the next stage (Loan Disclosures, Send To Processing, Submitted to Underwriting, Underwriting, and Cleared to Close, & Close); this is great for anyone who is wondering what is happening. As my loan was about half way done, Dawn Yoquelet was the processor and my point of contract and she was most helpful, especially when my title fees came in $200 higher than my initial quote, she worked with the title company and got them to match the original quote. Both Sarah Harper & Dawn Yoquelet were a pleasure to work with, professional and just plain very helpful. My loan closed on June 14 2016 and the funds moved a week later. I was able to lock in the rate of 2.625% for 15 years fixed (my credit union was at 2.875 with more fees). So happy. read more

I have to give Chris Guerin and his team at eLend the best rating available. My wife and I really lucked out with eLend. We purchased our home in the middle of the banking crisis. We were a little worried that financing would be an issue due to all the horror stories at the time. Chris and his team explained the process as well as the expected timeline. The communication was fantastic. We had one obstacle that was not a surprise and we easily overcame it with the eLend's guidance. The best part was eLend had us ready to close well before our closing date. So the stress was virtually gone. 3 years later the team reached out to us again. They were able to take us from a 30 year fixed to a 15 year fixed with virtually the same budget. B/c of Chris and the team at eLend our home is now going to be paid off around the time our first kid enters High School. That is SUPER AWESOME!!! I highly recommend them! read more

I don't typically write reviews, but I found it necessary to write one in support of eLEND here. I did a purchase with them back in September and I couldn't have asked for a better experience. It bothers me that some individuals go online to bash companies like this. In reading some of these it seems customers may not understand how banks have to follow strict requirements set for them by Government agencies. It's not the wild, wild west of lending anymore (I used to work in banking years' ago). Jim Ferrero was my loan officer and was there for me throughout the process to help answer any questions I had. Michelle Shotz processed the loan and was equally supportive and always helpful. I highly recommend eLEND. Despite some negative experiences by others I feel like these may be the exceptions. People don't typically write positive reviews so I thought it was important for others to know. read more

I am due to close on the purchase of my new home on Friday. I work at Elend and have been in the business for over 16 years. Regardless of the mortgage background, when you become a customer on the other side of the table, it is still a very stressful time in your life with a lot of moving parts. I cannot begin to express the gratitude and appreciation that I have for Chris Guerin and Michelle Shotz throughout this entire process. Chris called me more than once a week to provide me with an update. If I was having a moment of panic, he settled me immediately. He also went as far as updating the Sellers Agent to let them know that I was approved and clear to close so that the sellers could be at ease. Michelle turned the processing time in the blink of an eye and kept me up to date constantly. The entire process could not have gone smoother! A huge thank you and kudos to Chris and Michelle! read more

I have worked with E-Lend for the past five years; specifically, across four different sequential lending instruments secured by the same property. Any time I have even thought about refinancing, E-Lend is *always* the first company I call! This time I saved over $218,000 in total loan costs over the life of the loan, by switching from a 30 year fixed at 4.375%, to a 15 year fixed at 2.5%! You can't beat that with a stick. Erika Garcia was an AMAZING underwriter; despite the COVID-induced mania and loan application frenzy, Erika was always super responsive and handled all closing conditions and questions I had super quickly and efficiently. Most importantly, she is super FRIENDLY! Thank you so much Erika and E-Lend! read more

I've been a loan officer for 13+ years and have worked for the giants in the business like Chase and GMAC, as well as a for a small community bank. In my experience, eLEND has the best underwriting and processing department that I have ever dealt with. This allows them to get loans closed faster and without any of the major hiccups that I've seen with other lenders. On top of that, eLEND's rates and fees are always well below any other lender that you compare them to when you shop. I would rather work with eLEND because they are a small company who will value you and your business more than one of the soulless corporate behemoths in the industry. I couldn't be more enthusiastic in my recommendation of eLEND! read more

I found this company online and was reticent at first to work with someone that I would never meet in person. They were offering the best deal on my new home purchase so from a strictly financial standpoint, I managed to get over my initial anxiety. My loan officer was great from the beginning until the end of the process. I closed on my home in 29 days from the day I locked in the rate. No surprises at closing. The loan costs never changed and I couldn't be more satisfied with the level of service I received. I have already referred my sister who is looking to refinance to them. Great company to deal with. read more

Got an awesome rate and paid for PMI insurance (prepay) upfront to alleviate monthly mortgage insurance surcharges. This tip from them saved us a great deal of money. Process was easy to follow and my loan officer was on top of his game, always prompt to respond and perform periodioc communications. Everything in the end turned out as expected, if not better! Still can't getting a better rate anywhere, and this was about 4 years ago. Will most likely convert to 15 year through them if rates continue to drop. Recommend to family and friends all the time. read more

I was hesitant to work with ELEND because it was all online and over the phone. I am an old school guy that likes to shake hands and be face to face. But ELEND was amazing. James Dante was my loan originator and he was AMAZING on how precise, available, and explanatory on every part of my refinance mortgage. So personable, quick to reply, and answered every single question I had ..... speechless. They say that mortgages nowadays are SO strict and meticulous ... but James made it so easy and worry free for me. Thanks JAMES and THANK YOU ELEND !!!! read more

I actually work for a bank but decided to go outside my bank for my personal condo mortgage. I worked through what could be described as a very long and painful purchase. From my HOA balance sheet not being balanced, to an appraisal that was less than to be desired to a hard headed seller. However I could not ask for a better mortgage team. I was always kept in the loop regarding my mortgage and talked with my loan officer Chris Guerin on a daily basis (probably to his dismay). I would definitely use them again and would recommend them any day. BH read more

Elend is SO great! Our house had a lot of hang ups and Nick Gerbino and Karen Dorsey were able to figure it all out for us and we were able to close. The communication between Elend and my husband and I and our real estate agent was incredible. We got a great rate and closed on time. We were first time buyers and Nick took the time to explain everything to us and answer all my questions (I had a ton of questions) Karen follows up and makes sure everything is completed on time. We would recommend them to anyone! Fantastic experience! read more

By far the most unpleasant experience I've ever had with a mortgage company. The people I worked with on providing conditionals repeatedly acted like they didn't have a clue what they were doing. They contradicted themselves over and over. They could never actually nail down a firm number of what the loan, fees, and down payment would cost. I don't normally leave critical reviews, but I had over 50 hrs and 6 months of work put into a loan that was no closer to closing than day 1 of the conditional approval. read more

What a great and trusted company to do business with. I originally used them for a purchase on my first home almost 4 years ago as well as a recent investment property and the process was so smooth. They walked me through the entire process from beginning to end, eased my fears as a first time home buyer explaining all of what was needed from me. I could not have been happier with my experience. I would highly recommend this company to anyone looking for professional, quick and trusted service. read more

eLEND exceeded our expectations of a lender by far! This was our second refinance experience, and eLEND's process was so streamlined and efficient. Each time our loan reached a milestone we were sent an email notification. Electronically signed our documents while getting dinner ready, and even closed at my office! Great communication and knowledgeable loan officer, Chris Guerin, to guide us through it all. The best rates, excellent service and ease of use. Stop looking around and use eLEND! read more

I work at eLEND and have for years. There is no other large mortgage lender like us. We truly care about people....and our owners force good customer service from disclosers to closers. Truly a great place to work and get your financing needs met. I have my mortgage with eLeND as well. Everyone at the company does. It speaks volumes when your employees all decide to stay in house win thier mortgage needs. Best rates, best service, period. -James read more

I used this company for my purchase loan back in July. They have also done a refi for us on an investment property . We have only had great experiences on both occasions. On my purchase the realtor tried to push me to use weichert. the weichert mortgage guy was .25 higher in rate and about 2000 more in fees. We decided to stick with Chris Guerin and it paid off. they moved quick and were there when i needed them. thanks Chris and team. read more

I worked with Christopher Guerin to purchase a condo. He was great to work with and made the entire process very easy. As a first time home buyer, I really appreciated the time he took to walk me through the process and answer all my questions (of which there were many). Everyone at eLEND was incredibly helpful and responsive. I enthusiastically recommend Chris and eLEND to anyone I know who is looking to buy or refinance. read more

eLEND is the best kept secret! The rates are as low as you can get, processing is pleasant and their technology is great. I have referred all of my friends and family to this online lender and everyone has had the same great experience! In my opinion, the only people who would write a bad review about the company are people who don't qualify for a loan or a borrower who doesn't understand math! read more