Poor customer service! Messed up our escrow and when we tried to get some resolution, they sold our…read moreloan to avoid dealing with it!

This is Sadegh Khamooshi, a loan officer (NMLS# 1714325). I…read morewould like to share my positive experience working with AFR Wholesale. I posted a scenario on behalf of my borrower on the Loan Factory marketplace to find the best possible rate for her. She had already received an aggressive rate from another lender but gave me the opportunity to find a better deal for a 10-year term loan. Many lenders didn't even offer 10-year loans on their fee sheets. That's when Mr. Peter Impagliazzo, AFR's representative, presented me with the best rate. At first, I wasn't sure if I could trust it--it seemed too good to be true. I asked Peter about the underwriting turn time, and he confidently promised that conditions would be cleared within 24 hours or less. I decided to give AFR a chance, and I'm very glad I did. The rate was real, with no excuses or changes throughout the process. AFR honored the pricing and stood behind their offer. Their underwriter moved quickly, and their statements were accurate--not just marketing claims. AFR's software is very innovative, and everything in their system is transparent. The underwriters were available during business hours, open to discussions, and receptive to my feedback when I provided valid explanations for certain conditions. One standout feature of their platform is the online dispute system for underwriting conditions. When you challenge a condition, the underwriter--or even a senior-level decision-maker--will respond. You're never ignored or left in the dark. They also have an "SOS" button that allows loan officers to flag urgent or time-sensitive issues. I used that feature once, and I received an extremely fast and helpful response from upper management. I hope loan officers don't abuse this feature so AFR can continue offering it. My borrower had a silent second loan from her employer, which would be forgiven after seven years of employment. This created complications on the closing date. I requested executive support, and Mr. Wade Humphreys, Vice President of Sales, personally called me. After our conversation, he recognized the complexity and escalated the matter to Mr. Michael Brenning, AFR's Chief Operating Officer. Mr. Brenning called me within the hour, reviewed everything, made an administrative decision, and saved the deal. Throughout the process, I also worked with Heidi Ward, the Account Manager, and Jamie Dix, the Closer. Both were highly professional, responsive, and cooperative. Their support and teamwork made a significant difference in ensuring a smooth closing. I give AFR Wholesale 5 out of 5 stars, and based on this exceptional experience, I will confidently send more business their way in the future.

RealFi DOES NOT OFFER CONFIRMATION OF DECISION. I suggest…read moreRealFi consider kindly taking a short moment to let applicants know whether or not their application was rejected or accepted after they review it, instead of stringing the applicant along for half a year by keeping it in review status & not responding to emails or calls. RealFi DOES NOT RESPOND TO EMAIL inquires regarding how much more time will the process take, and what needed info may be missing, nor what we can do to speed up the process. RealFi DOES NOT RETURN PHONE CALLS. RealFi simply could have told me after reviewing my application that I did not qualify by calling one of two of the numbers I provided, or simply taking a short moment To email that I was missing more info. Any person in RealFi staff could have relayed it, instead of stringing me along for nearly half a year. I applied in autumn of 2021, it's now a week until Spring 2022. I am a disabled person with 10+ verifiable permanent income of over $1000 seeking a modest low income housing loan under 50K. All RealFi had to do was tell me I did not qualify instead of keeping my app status in "review" and holding my personal & financial information. RealFi would contact me if they needed further information. None of them bothered. RealFi left my family waiting in the dark for almost half a year.

I just got of phone with a representative .Patrick Bourland .Talk about lost art in customer…read moreservice. Very unprofessional Please avoid. Management please teach your representatives to less aggressive disrespectful and rude to potential customers. Wasted so much of my time resources and energy.

Long Overdue Thank You For An Absolutely Amazing Group Of Professionals That Make It Happen - And…read morethey need to be recognized by name - Anna Icenhour (Account Manager) and Kerrie Bruno (FHA Underwriter). Long story short we were fortunate enough to help a single mother, who's a hard working, loves to laugh/smile, spends long hours as a peace officer, buying in LA with an FHA 203K rehab where both competition and costs are high. This was one of those situations, where contractors came in promising the world and when having their feet held to the fire, jumped ship with our client getting pushed out over and over - And In No Way Whatsoever When Other Lenders Treat Your Client The Same Way, Did These Ladies Do The Same. It was the exact opposite - Once Anna and Kerrie knew that we were helping a lady who prior to this contract was getting bullied, outbid, or forced into areas less ideal - and her goal/dream is buy a home for her and her son so she has a valuable asset for him - even when these contractors went sidewise putting our client into a goofy position in the eyes of the seller - Anna and Kerrie Never Let Up!!! In fact, the minute we were able to lock-in a good contractor, and were under a tight deadline - it was Anna and Kerrie - that stepped up, expedited everything, and made it happen for our client - saving her time, money, the risk of losing the home, everything was razor thin - and more importantly our borrower was able to make $135K in equity at closing because of the after rehab value! My client's deepest wishes and dreams - and these 2 ladies made that happen. As a Broker - These Are People You Want On Your Side. There are plenty of lenders out there. However, Just like anything else - when the pressure is high and there's only 10 seconds left in the game - That's when the real players/winners step-up and 100% that's Anna and Kerrie. Not only do they make it happen, are they completely helpful, they're friendly, wonderful to work with and an asset to any team.

This was a rip off and I feel robbed…read more The appraisal was nearly $1000 and after came up with a list of things to fix and then another $200 to then confirm repairs. This was not disclosed on the onset of initiating of the loan. I am not going to spend thousands of dollars on rush cosmetic repairs for a refinance. They literally want me to replace my carpets, paint the interior walls, replace trim, inside and out, clean the moss off the roof and more. And then more money to confirm repairs. I have refinanced twice before and never had to go through such nonsense. It was more strict then when I initially purchased the place. And more then twice the cost of any other appraisal. I have emailed them to tell them I will not be paying them more money. This is all nonsense.

Review of Stratton Equities…read more www.strattonequities.com Hello everyone, My name is Robert, and I wanted to share my experience with Stratton Equities because it was so exceptional that I felt compelled to tell others. If you're looking for a lender for a property purchase, don't waste your time with other firms or local banks. Stratton Equities truly stands out--you'll honestly wonder why anyone would go anywhere else. The only reason people don't is that they simply don't know Stratton exists. Over the years, I've worked with many lenders--local banks, big banks, and hard money lenders. They all bury you in endless paperwork, make endless promises, and deliver subpar results. Just when you think you're close to closing, they hit you with hidden fees, stress, and broken commitments. My experience with Stratton started when I called and spoke with Michael. I explained my situation and needs, and he really listened. He developed a plan that made sense for me. Michael is not only professional but also genuinely kind and down-to-earth--the type of person you'd want to hang out with. Then I worked with Alessandra, who set up my client portal and guided me through uploading the required documents. The process was smooth and straightforward--just the standard paperwork you'd expect. The team even helped clear a title issue caused by a lien that should have been removed 15 years ago from a now-defunct lender. Once everything was complete, Michael worked with me to secure a fantastic rate with reasonable fees. We set a closing date, and within two days, a notary came to my home. I received the funds the same day. Honestly, it was so easy that I kept waiting for something to go wrong--but everything went exactly as promised. The entire process exceeded my expectations. Stratton Equities is an honest, efficient, and trustworthy firm. Both Michael and Alessandra were outstanding to work with--professional, transparent, and genuinely caring. This was truly an A+ experience. If you're looking for a loan, these are the people to call. You'll get amazing rates, quick turnaround times, and real support from real professionals. I stand by every word of this review--it's 100% honest and accurate. Do yourself a favor and skip the other lenders. Working with Stratton Equities was one of the best decisions I've ever made. Robert

35% DEFAULT RATE. 35% DEFAULT RATE. 35% DEFAULT RATE. If you want your property being foreclosed by…read morethe lender, Stratton Equities is the way to go. I have worked with a countless DSCR hard money lenders in the past, Stratton is the most dishonest, rude, and deceptive. The loan originator, Jake Yuskaitis, does not give any information or term sheet when we worked on the loan. When the loan is cleared to close, they push for a closing right away without giving the borrower a lot of time to review the loan documents. Stratton Equities charges 2% for the loan origination. And they have the nastiest attitude, even from their loan processor.

My advice, go elsewhere. In my recent situation, they did not have their client's best interest in…read moremind. Their approach is CYA, "that's not my job/responsibility". It's sad, actually. To have such an estranged relationship with your job, when it's an industry that affects people's lives. If you choose to proceed with them, best of luck! If you need context, they were slow to reply, vague in communication throughout the process, but ultimately what put the icing on the cake was that they withheld information (Appraisal value didn't meet the VA Renovation Loan amount) from me until after "the loan approval deadline" that was set forth by my realtor/title company located in FL, and let me know of this info after the deadline. Why? because as they saw it, my husband and I were approved for the purchase price, not the renovation piece. The impact? I couldn't get my escrow of $3327 back from my title company. They knew the deadline, and the consequences, and one would think they would be considerate and inform me of the information prior to, but no. Not a care in the world. Now legally, no they are not liable, but ethically? It's a sleezy move. I would call out the exact people I worked with but honestly, I've managed accounts in the Ad Tech industry for 17 years, and one thing is for sure: when an employee acts unethical, it's embedded in the organization. So just stay away from Guaranteed Rate! They really deserve no stars but this site mandates at least one to post this review!

They never returned my messages. Waited a week for instructions or contact after completing their…read moreonline mortgage application. Was a waste of time.

Marc and his team were fantastic. We have used them 4 times now. Once for a cash out refinance, a…read moremortgage on our current home plus a refinance and a mortgage on our second home. We have "shopped around" in the past but Marc always gets us the best rate with excellent customer service. Highly recommend him.

Made the process of refinancing very easy. Had a wonderful experience working with Marc and his…read moreteam. Would recommend them highly. Very knowledgeable the entire team, very friendly and helpful. Best rates ...

A friend of mine recommended Adam at Atlantic Home Loans to me and I couldn't be more pleased. My…read morelife changed significantly this year and I needed to refinance. Adam was with me every step of the way. He kept me updated via text and email. I wish every company I dealt with offered that level of communication and transparency! I really have nothing negative to say. Thank you for everything!

Not really sure what the yelper below me is talking about ... I wish I could give Cathy and her…read moreamazing team 10 stars !! Working with Cathy was a delight . After a turbulent for a few months with another broker , a 20 minute conversation with Cathy brought hope to my dismal situation . The best decision I ever made was to change tracks midstream and put my faith in Atlantic . Cathy was able to get me an amazing rate and walk me through the entire process in the best way possible . These guys are the most organized and professional staff I've ever met . You will not be disappointed with their services . Thank you Cathy , Jessica and James .