Columbus Capital Lending has denied our loan. We had a DU approved on August 13th, 2020. The…read moreappraisal was ordered back on August 18th, 2020. I will like you to forward this email to the bank manager. The reason for denying the loan was clarified at the beginning of our application months ago after sending you all the conditions requested including what my employer had sent to you, the loan officer, and the other officer. The bank has treated us unfairly and in a discriminatory way all the process because of our young age. Why the bank mistreated us this way. Why the bank did not care about our file, our deposit, our time. We are young that's right but we have proof that we are working for our future; there was no reason to deny the loan. The seller is living in a hotel with three kids from September 15, 2020, waiting for the bank decision and following all the timeline I am sending you. This is unbelievable. We lost our deposit with the seller, the money we invested in the process, the place I was living, and our time. I am a young professional with an AA degree and my brother has a master degree, he is an engineer in mechatronics. We both have excellent credit+700 no debt. We both have 2-year history of the same job fields. We are starting our professional life and lost our dream home thanks to Columbus Capital Lending. You guys destroyed our life and made us lose our savings and my mom's gift to us. I know we had not earned so much income in the past, but we were studying in college. We had provided to the bank all the requirements requested every time. The processor took more than one month to review our case after the appraisal. After that, the processor took a week to review any documentation we submitted the next day to our loan officer. Every week the processor had asked us the same questions and documentations forgetting what we sent previous weeks. We lost over a month with this unprofessional way of working from the bank. My brother was doing his master degree with a scholarship while working part-time as an engineering teacher in the previous years; he has two years of w-2. He graduated with the highest grades last year and had not stopped working in his field. The same for me, I had been working so hard after high school and four years' experience in my field. Also, I had been working hard towards my AA degree. We sent proof of all this information from the beginning. It's not the same having to work while in school than being a professional with a master degree and earn the same amount of money that we were earning before graduating. The bank is denying the loan because of inconsistency of the payroll in the first month in my current job. I am working in my current job four months and in the same field for mo than 3 years. My employer had explained the reasons more than once why i had worked fewe hours my first three weeks. This is the reason the bank is denying my loan? Why the bank had made me lose my deposit if this one was the first condition you asked us and we clarified it to you from the beginning? Why the bank made me get more than 20 conditions after my working hours, letters, requirements, conditions, and statements? The bank is denying the loan to us both working professional with a w-2 job for this reason? Why it took the bank more than two months to realize that this reason was enough to get us denied? Why the bank kept asking us for more conditions if the loan was not strong enough from the beginning. Also, we sent to the bank every single condition the next day and the bank waited weeks every time to answer and forgetting all the documentation submitted previously. Our attorney, our realtor, everyone asked the processor about the loan. They wanted to protect our deposit but the bank did not care at all.

I am early in the process but so far this company is very transparent. I am dealing with Alfredo…read morePalacios who knows what he's doing and is very polite and patient. At least the initial interaction and experience has been great. I highly recommend them as they do not make the process that difficult

If you need to feel that the person who is going to help you organise the mortgage for your home,…read moreis talented enough to know the answer to all your question, and will guide you to make good decisions re your new mortgage... ask Jessica Bond! Hollywood Mortgage. I am amazed by all of her support to get my finance organised!!!!

Christina and her team are the BEST mortgage company in South Florida. They are knowledgeable, and…read morethey keep their clients up to the minute well informed. Completely reliable and trustworthy. I truly appreciated that all my calls were answered and all of my questions answered and truthfully. Thank you Christina Hernandez and team!!

Real Estate Sales is one of those trades that people can easily take a course online and 60 hours…read morelater you have the documentation to take the state test. Once the state test is passed you receive your real estate salesperson credentials. No experience is required and viola you start pitching homes. As getting licensed is fairly easy there is a glut of inexperienced Real Estate Salespeople in So Florida! Finding an experienced and knowledgeable sales person can be daunting. A home purchase is the most likely the largest investment you will make. The field is crowded with agents who have no knowledge of either real estate practices and or the market. I call them doormen and woman, simply put all they do is open the door of a prospective home for you. They know little of the nuances of that home, nothing about the area and if you ask them a question, they have to call the listing agent! That is not professional sales! So why all the narrative? to warn you that not all real estate salespeople full into this group. I had the fortunate experience of working with a true RE salesperson by the name of Freddy Mesa. I knew Freddy had been in the business for over 20 years and had been recommended by a family friend. I am a retired Vice President of Sales and Marketing so I can spot a good salesperson very easily. Freddy asked me pertinent questions not just how much can you afford, he asked what type of home I was looking for, any particular area that I liked, etc. Based on my answers Freddy got to work locating those homes that fit my needs. He knew the area I selected well, he had previously sold a few homes in the area and was knowledgeable on the market price (not asking price) of the homes. Since Freddy narrowed down the field, did his homework and only showed me homes that fit what I was looking for, I was able to find a home and close on it in less than 30 days! He negotiated the price and suggested what price I should offer based on market analysis. Putting an offer on a home is not so straight forward as many think. There are a few pitfalls that a less experienced salesperson may not know. Freddy has close relationships with home inspectors, title companies and can also offer you a mortgage. I used all his services and the people he recommended were top notch just like Freddy. Speaking of services. if you buy a home a home inspection should not be an optional service you put off. Remember this is one of the biggest investments you make in your lifetime. I highly recommend Freddy Mesa, if you need a knowledgeable salesperson and you want the expertise that comes with 20 plus years in the industry call Freddy.

I run a small manufacturing shop and had a few different advances stacking up that were getting…read morehard to manage. Got connected with Bayside and they helped us clean everything up into one payment that actually made sense. Nothing felt pushy, they explained everything straight, and the process moved pretty quick. Definitely made things easier on my end.

"Running a brewery in San Diego is expensive. Production, ingredients, vendors on Net 30 -- the…read morecash flow gaps were not working to stay ahead of production and we were paying way too much for short-term loans to cover it. Bayside Business Advisors set us up with invoice factoring and it made a huge difference. Better rates, faster access to cash, and Byron actually took the time to understand our business. Highly recommend if you're a small business owner looking for working capital or alternatives to traditional financing."

Alex and his team are amazing at captain credit. Been…read moreworking with them for over four years and my credit has been at its highest. There is a scam group called "credit captain" which is not the same, do not fall for these guys as they're not legit. Make sure you speak to someone about your credit repair and not sign up for $59-$99 a month for credit repair. Credit repair is not cheap, but is worth paying the money to Captain Credit, as Alex will teach you and advise you how to get a hold of your finances and is amazing of how fast and effective he is. Make sure you listen through every advise they give you to not delay the process. I highly recommend them!!!

Alex & Angie have made a huge difference in my life. I went from a 523 credit score with…read morecollections on my account for over 5 years to a 670. To a report with no collections & got approved for a new apartment in 2 weeks, probably less. We are working on getting some funding for my business now through Chase, and they have been nothing less than a pleasure to work with. I've worked with some shady groups that have done NATA in the past. This team is the real deal, thank you guys :)

Thanks to Manna Wealth Management it has help me with my financial needs. Thanks again David!!read more

David and his team have helped me tremendously in the past couple months navigate my financial…read moresituation and feel confident about my future. David is so personable and sat with me to hear my entire situation before I decided to move forward. Never once did I feel pressured and he explained everything about the market in a variety of ways so I could fully understand what was being done with my money. I would highly recommend Manna Wealth if you are looking for a one on one relationship with someone handling your financial assets. I feel so much more confident with this team than I ever have before about my financial future.

Yay me, Financial literacy, entrepreneurship, Owning a Home, and so much more, is possible for me,…read moredue to the Service, and Financial Expertise, of The MoguelMobb, Family, thank you, thank you guys super so much, if you looking for any financial services, look no further.

Best in business! Helped me with my credit repair! Quick response & kind! Very meticulous about her…read morework.