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Encore Financial Corp

5.0 (1 review)
Closed • 10:00 am - 8:00 pm

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7 years ago

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ENG Lending - Ryan Salo Mortgage Banker - Ryan Salo - Mortgage Banker with ENG Lending

ENG Lending - Ryan Salo Mortgage Banker

(1 review)

To say I am disgusted with Bank of England and their staff would be a gross understatement!…read more The process was TERRIBLE! The first red flag should have been when Ryan told me he didn't have time to pick up the phone and to just send an email. I should have RUN AND NEVER LOOKED BACK! A Mortgage is a big purchase and a long process. Asking the agent to take a few minutes to go over the process with you when you start is a pretty reasonable request. Basically telling a customer you don't have time for them is rotten customer service, and it only got worse from there. I would have never stayed with this company if I had it to do over. I would have went right to Bank of America where I have all of my accounts, but I was led to believe there were only 2 banks that offered the "special teacher financing" I was supposedly getting. In the end my rate wasn't anything special. The process was slow, the staff was rude. I tried to call the office but the NUMBER TO THE BRANCH WAS OUT OF SERVICE. This should have been another big red flag. Unfortunately we were right at the end of the process so I didn't pull the plug because I didn't want to start over with another bank. The underwriter dragged her feet. Then claimed to be missing documents that I had already sent, and I had the email trail on them. They kept pushing back the closing date. Finally, on the closing date they started changing the documents at the last minute. We sat there in the attorney's office for 3 hours waiting for the new documents. When they came the monthly payments were nearly $100 more than the agreed amount. I let it go because at that point I just wanted to close and be done with it, but I felt scammed. I was willing to let all this go and write it off to everyone being under Covid stress, but now to add insult to injury they immediately sold my mortgage to another company. I have never heard of this company and their online reviews are beyond terrible. I made 1 payment, supposed it is BOEs responsibility to transfer that payment to the new bank. I am sure chaos will ensue. I have zero fair in BOE and their staff. RUN RUN RUN! My take away from this experience is to stick with your home bank that you know no matter what type of special loan program a company supposedly has. Total disaster!

From the owner: ENG Lending is a State Chartered FDIC Insured Bank. We are a branch of their Mortgage Division…read more Ryan Salo is an expert Mortgage Banker with 10+ years in the industry. His focus is to provide Great Service Every Time. We offer small bank service focus with nationwide buying power. Call today to see how much we can help. Equal housing lender.

Encore Financial Corp - mortgagelenders - Updated May 2026

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