LOL this should be zero stars now really, interesting the 'President' of Lenderfi Ryan responded to my candid review about three years ago here on Yelp to "make things right" but about three years later as of June 2024 I have NOT gotten a single call or email or anything from him about HOW he could make things right after the ridiculous amount of time and money I wasted trying to do my refi. A word of advice Ryan, when responding to try and save face for your company (if you are indeed the President--to which I have doubts too lol), you should actually follow-through with your word or else it's just unprofessional and incompetent. But hey, I didn't actually expect for you to truly make anything right as its a reflection of my horribly shady experience with Lenderfi to begin with. But my phone and email has not changed if you wanna reach out lol read more

This was my first time refinancing and I don't have many friends who have gone through the home buying process to review things with so I spent a lot of time researching. I was already ready to lock down with a different lender this time for refinancing after going on Costco, Bankrate, NerdWallet, CreditKarma. And while the interest rate was great, the OTHER LENDER was crystal clear about the fees being $3500. LUCKILY, I shopped around one more time right as I was about to sign away (the other lender had already pulled my credit report). I got a hold of Michael from LenderFi and he called me right away to answer some questions. He was confident he could beat whatever I had, based on all my information, but I still wasn't sure. Michael also explained other scenarios to me and encouraged me to not buy down the rate in my specific situation, and also continued to explain other things further which I couldn't understand from just the internet alone. We went over the costs, Michael was able to get me the same rate the OTHER LENDER offered, but HALF the fees. On top of that, LenderFi was able to provide me lender credits to cover those fees. I was able to get a no-cost refinance that made sense (let me make clear it was actually no-cost - the fees were NOT rolled into my loan). I just signed all the paper work today to complete my refinance. I compared the Closing Disclosures to what I had with my ORIGINAL mortgage and I appreciate how much easier and clear-cut the cost breakdown was. The fees and line items were super simple - there weren't a thousand lines, and nothing ambiguous. My old Closing Disclosure (Costco Lender) had a crazy amount of line items for things that weren't clearly explainable. Even the comparable items, ex. notary were cheaper (and they came to me! Last time I had to go to the notary and it cost twice as much)! The entire process was transparent for me which I greatly appreciate. The transparency they were able to give me versus the other lenders gave me so much less anxiety about the entire thing. I totally recommend Michael Urnecli and Rebecca Jackson any time. read more

I decided to give LenderFi a chance after reading positive reviews on Reddit and I couldn't have made a better choice. Fees were very reasonable, communication was excellent and there were zero surprises. I kept waiting for the rug to be pulled out from under me, some hidden fee or expense but it never came. LenderFi delivered the lowest rate and closing cost out of any of the other lenders, including credit unions, that I tried working with. Having the notary visit me at home at my leisure was a nice touch! I didn't have to find a sitter for my kids which made that aspect that much easier. read more

Michael Urnecli is the man! We did our first refi through him and he really want to bat for us. Super easy and approachable to talk to with very quick response time. Only praise from us - thanks Mike! read more

To take advantage of lower refinance mortgage rates, I started shopping around. Got rates from multiple different sources (including big international banks, local credit unions, and many online lenders). Credit report is not impacted if getting rates within 14 days of first credit check. Nobody even came close to match the rates offered by LenderFi, let alone beat them. Ryan/David were very helpful in helping me understand my options, and also advice me on what would be better for me. The team is super responsive and gave me the locked loan estimate document in 1 day. The entire process was easy, and the online uploading of documents was really helpful. Although, I had to do a bit of extra legwork than expected, but it saved my hundreds of dollars in unnecessary fees. Rebecca was able to get me my closing disclosure in a little over 3 weeks but I was not in a hurry as the rate was locked, and it was just a refinance, but if needed, LenderFi will be able to close out the loan much sooner than that. She was also very patient in helping me understand the different numbers on the document. Mortgages can get real tricky real fast. Do shop around, but I'm sure you'll end up working with LenderFi. Would highly recommend them. read more

I just locked my rate with Mike and I am absolutely stunned at how fast, professional and quickly he locked in the lowest rate I've ever heard of with no closing costs! Everything is uploaded online so it's super easy to get them the documents and the response time has been lightening speed. I'm so happy my friend referred me to him and I'll be paying it forward by referring everyone I know to Mike! read more

LenderFi is the real deal. Super easy refi process. I have refinanced a few times with LenderFi over the years and worked with Michael to secure the lowest rates. Michael and the LenderFi team went above and beyond to provide the best rates in the market and the best customer service I have ever experienced. Very reliable and trustworthy. We got it done in under 20 days and I'm saving tons of money on interest. Highly recommend! read more

LenderFi delivered on all fronts. Speed, communication, and no fuss. I have refinanced in the past with other lenders requiring months of processing time. When I chose to go with LenderFi, I was part-way through a refinance process with another lender that convinced me an appraisal was needed ($550). After getting the appraisal, this other lender asked me to create a legal notarized document for a shared driveway. I'm sorry, but what?? For a refinance, you need me to create a legal shared use document, go over to my neighbors and convince them to sign this, and have a notary oversee the process? Not worth it to save 0.5% on my interest. I didn't care if I already had $550 sunk cost on the appraisal, I had wasted over 10 weeks, and this was too much of a hassle. Michael Urnecli at LenderFi looked closely at my situation and helped find a path where no appraisal was needed (I learned that lenders like to charge for an appraisal early in the process to encourage commitment, even when an appraisal is not necessary due to a good loan/equity ratio). He also assured me that I could contact him whenever I had questions, even late in the evening. The few questions I had were responded to quickly and thoughtfully. Much better than previous refinance experiences I have had where I felt like just another nuisance to the lender. The whole process, from getting a quote to closing, took just under 3 weeks. They requested a handful of documents in the beginning, (the typical W2's, paystubs, ID's, etc.) and never asked for a single document after that. The whole process involved submitting those initial documents, signing three sets of loan estimates that had minor updates through the process, and then scheduling a notary to come over a sign the title docs, etc. It was the easiest refinance I've heard of to date. Finally, they exceeded the quote I found on the Nerdwallet Refinance tool, and gave me an even lower fee for the aggressively low interest rate. This was a best-case refinance scenario. I would definitely recommend LenderFi to friends/family. read more

They had a fair price on the first offer, unlike their competitors who wanted to 'beat' competing offers. Then, when the appraiser from hell tried to ruin my loan, they stuck with me, texting me outside work hours and even getting the CEO of the company involved in advocating for me. It was the hardest refi I have ever been through, but I made it through because Lenderfi did not give up on my loan. Huge props to Daniel. He had to be sick of getting texts from me, but he was always responsive and gracious. read more

Total Waste of my time. Two thumps down! After completing the application process, uploading a numbers of documents, and receiving a rate quote LenderFi goes silent for 3 days. Then I get a message from the loan rep Anthony Assi that they are busy and their disclosure documentation will be out is 2 days. Now this message: Hi XXXX, we are not working on jumbo loans at this time due to the high touch nature of the product. Since we cannot offer the level of service all of our clients deserve, we are choosing not to put you in a position where your experience with LenderFi is sub par. My suggestion is check with a big bank on their jumbo products. Too late I have wasted 5 hours of time and my experience is very sub par. Take a hike LenderFi! Your service stinks. read more

My first re-finance I was able to find lender-fi from a reputable website that gives good overall recommendations. I did the quote process with a few different sites and how I came to pick lender-fi was they locked the best rate available to me. Overall I would rather have gone to the dentist or to a circus because there was less than stellar communication. Every time I wanted a response was like pulling teeth and as much as I hate to insult someone I worked with, the lack of skills to follow up or even apologize for the delay in communication was sad. Lender-fi produced a good rate that saved me the most money so I ultimately decided to go with them for savings sake so it helped me but at what price... I hope I don't have the same problems down the road with them because I still don't have all the answers to my questions but C for effort will do the trick because that seems to be their business practice. read more

First of all I want to thank Lenderfi for this amazing experience of refinancing my home, and how there employees are very kind, helpful and hard working. From the beginning the process till signing the documents, constant follow-up with me through either email or phone calls trying to solve anything that can delay of the process. Special thanks to Anthony Assi and Sean Foley for their hard work and I want to especially recognize Sean for his professional work and everything he has done for me, he is great person to work with him and he always respond to me quickly and try to solve any issues that can delay the process of the refinancing my house. Thanks for everyone who was working behind the scene and if you are looking for a reliable company to purchase or refinance your house, this is the best company to work with. Thanks once again. read more

We had an extremely positive experience with Ryan Scholer and the LenderFi team for refinancing. Ryan was extremely transparent throughout the process and the LenderFi team did an incredible job in closing the loan almost in a week. We wanted a hassle free process and that is exactly what LenderFi delivered. We would highly recommend working with LenderFi for any financing needs! read more

This was the second loan we have refinanced with Ryan and the Lenderfi team. Initially, we went with another lender for this refi because Lenderfi had stopped taking apps. (Because they were too busy) When that lender continually changed the numbers on us, I contacted the Lenderfi team and Ryan came to our rescue with exactly what we were looking for both rate and loan costs. The processors I worked with was clearly really busy, but always got back to me in a timely manner (normally, within a couple of hours) . Most importantly, they came through and closed the loan on time with a minimum amount of drama and hassle. Can't ask for much more than that. read more

Although it's been two years since Ryan handled my refinance I wanted to pop in and leave a positive review. The initial rate and fees were great, almost too good to be true. Having looked around on the web a bit, other offers kept coming in (at an irritating rate I must add) but NOTHING was as good as the package he had quickly put together. Highly recommended! read more

I worked with Michael from LenderFi, and to say it was a pleasant experience would be an understatement. He was prompt, great at his work, and was even able to give me some pleasant surprises. I expected a good experience, but got an even better one. Very happy with the service I got from them when doing a refinance. Would use over and over again if I ever needed to. read more

Within less than thirty seconds of starting the conversation, the LenderFi representative made a demeaning comment about women. As a woman who was looking to refinance my home with LenderFi, I was completely put off by how unprofessional the representative was. I now have three basic criteria that I am looking for as I move forward to find a different lender: 1. A good rate 2. Low fees 3. A loan officer who is not sexist or disrespectful read more

Great mortgage refinance experience earlier this year from Ryan and the rest of the LenderFi team. Thanks!

I have done refi a few times before with my previous house. We just purchased this house a little over one year ago and I am trying to refi with a lower interest and no cash out. This refi process is the easiest I had so far. They didn't constantly request additional documents like other lenders did and they even waived the appraisal of my house. I ended up lowering my monthly mortgage payment with the new loan. Would like to thank Michael Urnecli and Cheryl Stephans for their outstanding service. Definitely will recommend to my friends. read more

My letter to LenderFI below expresses what is a real issue with this company. I would seriously look around before using them as they are very lax in getting back to you regarding your refinance and unfortunately for me I also invested money. I cannot believe The Better Business Bureau gives them a A+. Read my letter to them below and make your own decision regarding whether you want to use them or not. My letter: Hello, I have made several inquiries regarding my refinance and have not heard back from any of you especially you Ryan who I spoke to last week regarding the refinance of my home hence I have come to the conclusion that your company has no interest in continuing the refinance of my home nor answering my query about the amount of available funds needed to continue the refinance and with that I am terminating my relationship with your company. My hope had been that your company would be up front with me and respond to me in a timely and professional manner which unfortunately you have not been. I have spent money on this refinance that could have been put to better use. In the future when you deal with potential clients and especially those who you have started the refinance process update them, return their calls and be honest if something has occurred that makes the refinance an impossibility especially in the early stages. Please do not leave a client hanging as that is very unprofessional. It does the client no good to continually tell them you are going to check into something only to never receive a follow up phone call letting a client know where things stand but I tend to feel that the employees reflect those who run the company and if the owner or President makes statements in regards to calling a client back and does not then it does not surprise me when the employees do the same thing. Please when dealing with your clients in the future please try to extend them that courtesy as it will make the clients life a lot easier then ignoring them or stating that you will get back to them and not doing so. It is bad business. Sincerely, Clint Young read more

My wife and I recently used LenderFi to refinance our home. Anthony Assi was great during the process. He kept us informed from start to finish. We closed our loan in only three weeks. We received a great rate and no closing costs. We were also able to get our MI removed. It was so easy to upload documents, sign documents and review docs through the online portal. I definitely recommend LenderFi and Anthony Assi for your next loan or refinance. read more

This was the best, smoothest refi EVER. Talked to LenderFi rep, transferred to Anthony Assi who got the process going. That was June 11. Today is June 22 and we just signed the closing papers on the refi!!! Great rate, great term and hardly any closing costs. Have already referred two people I know who are looking to refi. read more

The 2nd set of people I dealt with were Anthony Assi & Jason. The 1st 2 people weren't involved, Vivian/Cristian they just disappeared; then came Anthony/Jason. I was lied to & treated unprofessionally & inappropriately by both of them. I called today 5/14/18 to ask ?'s & the guy who answered, Richard, hung up on me. I was able to leave a msg for Ryan Scholer, with a very courteous man & I was told Mr Scholer is their CEO. The appraisal did not happen & they fraudulently took $450 out of my bank anyhow. I have filed FRAUD against them & Lenderfi with my bank. It appears that there are some very dishonest people there. I just want my $450 back. They DO NOT deserve any stars. NO STARS!!!!! YET I WAS FORCED TO LEAVE ONE. Yelp needs to change their rating system for negative reports. read more

Horrible experience. Made promises they did not keep to give a loan. Made me pay for an appraisal for my home and kept my appraisal money. Home is paid off and I was asking for 50/50 loan to value. my credit is over 700 and they still denied. Do not use this company! Do not waste your time or money. read more

I have used Lenderfi for my last two refinances. Their rates were the best I could find on Bankrate and they are incredibly, incredibly fast at closing. Now I have started recommending them to my family and close friends. Really good service! read more

I am pretty familiar with lenders and how various types of lenders / banks work. First the bad: Lenderfi is not for everyone. Some people want the best rates and want their hand held every step of the way (good luck). If this is you, visit your local credit union or community bank and you MAY get this type of service but your rate will likely be a lot higher. The Great: Rates are some of the best out there. The service was well above expectations - they were honest and upfront about possible hurdles and answered all of my questions. They went the extra mile on what was a more difficult file. I have recently worked with American Interbanc as well - given the two, I would use Lenderfi.com hands down. Everyone I worked with seemed knowledgable and were extremely friendly. If you need a refi or purchase and want great rates and service - give these guys a call. read more

Really love working with Michael Urnecli. We received a call from him unexpectedly last week because the rates were lowered and we were able to refinance at a much lower rate with no cost to us. He is efficient, honest, and really cares about making sure we can get the lowest rate possible! Highly recommend LenderFi! read more

LenderFi did a great job working with me to refinance my mortgage. They gave a competitive quote right out of the gate and great customer service throughout the transaction. The folks at LenderFI really look out for your best interest and work hard to process your loan as quickly as possible, with minimal hassle / documentation requirements, as I have seen in the industry. They are too-notch! read more

Quck, rates were low and the ones they quoted - had a prevous experience with another company and the numbers changed - Lendfi allowed me to lock my rate and it was what we had worked out Thank you guys would recommend to any of my friends read more

I have been in Real Estate for over 40 years. I have obtained and refinanced many loans. In summary, LenderFi was honest and upfront and honored their commitment. They were very professional and a pleasure doing business with. Ron Eiges read more

I found LenderFi through Nerdwallet. David called me and answered all my questions. I applied online and received the best offer - their refinance rates beat the other lenders by quite a bit. I applied online and was helped by David (initially) and Ryan (once I locked the rate). The entire process was easy and the experience was stress-free. Both David and Ryan were easily accessible even after hours to help address my questions/concerns. Unlike other lenders, I felt they were working hard on my behalf and not to rip me off every way possible. The costs remained pretty much similar to what I was shown earlier, the credits remained the same and to my pleasant surprise they made every effort to get me the best interest rate and deal. They surpassed all my expectations and I will definitely use them again for no cost refinance if the rates go down again. read more

Ryan Scholer is a good man to deal with. No fancy promises or nonsense. I recently got my home refinanced through this company and am very pleased with the service, timeliness and clarity in the whole process. Ryan does what he says he will do for you. I highly recommend this company and it's a pleasure to deal with him. read more

Thank you LenderFi.com for working so hard with us to get us our perfect home in Arizona. Lenderfi has helped me purchase 3 homes in 3 different states and refinance over the years. Never have I gotten a bait and switch, a fake promise, or a lack of support and communication every step of the way. Every process has been different, but I was supported thru each step, always in the know, no surprises. If you are in search of honest, hard working for you mortgage company, don't look any further than with Lenderfi! read more

RYAN SCHOLER is the best! This review won't even do justice to how efficient Ryan is, he really wants to help people and is genuine in his dealings with me. When other big lenders won't approve me, or would approve me for a much lower purchase price, he was there to save the day. I explained my situation to Ryan why I don't look very good on paper, and he understood and pre approved me for the purchase price that I know I can afford. We purchased our first home April of 2015, we almost lost hope after our first escrow fell off, but Ryan was there for us and just calmed us down. Also, he made sure I did not overpay for my escrow fees, and asked the escrow company to take out unneccesary charges. He gave me lender credits, and covered my closing costs too! I feel like given my situation (which was not the best during this home buying experience) he made it all possible. I definitely recommend LENDERFI. Ryan is responsive and calls you back no matter how busy he is. Thank you Ryan! P.S. Mark Bareng is very helpful as well. He made sure everything in the loan processing cleared, and that there would be no reason for it not to be approved whatsoever. read more

Utter rudeness of Mr. lending manager Anthony Assi!!!! One cannot ask him a question twice because he' doesn't have time to respond or rather should say that respond logically! Being in a mortgage industry when I asked him a logical question on a loan appraisal I get to hear I don't know the reason but I'm in the business from 19 years and closing 100 loans a month!!! How can one relate an appraisal question with number of loans he does! That's called arrogance! Guy needs a serious lesson/ classroom training on how to talk with a customer! read more

I would go lower than 1 star if I could. DO NOT USE THIS COMPANY. You are foolish if you make them the only company you get a quote from. It was all sales and scam. It was fast talk. Not answering any questions directly. The people that get mortgages from this company are likely the people who cannot keep up with someone who talks fast, and think that means the sales person knows a lot. it's likely people who fall victim to scams easily. I hate to say it, but once again the people that can least afford to get ripped off are the people who are going to be using this company and getting ripper off. I noticed that the vast majority of people give this company an extraordinarily low rating. Or... people give them a perfect rating and describe a perfect, magical experience. But every one of those good ratings includes an employee's first and last name. Here's what I think: Those high ratings are primarily fake reviews. Many companies reward employees with some sort of incentive program if they are mentioned on yelp with a very high review. Not just mortgage companies. Many companies do that. The person I talked to was ALL SALES AND SCAM and seemed to have no ethics or credibility, I would encourage you to listen to the people who have given this company a low score. If you talk to LenderFi about a mortgage, PLEASE do not make them the only company you talk too! And please be prepared for a scam. read more

Rich & Leslie H. Hiawassee GA Thanks to Richard Ortiz and Cheri Stephans for a great experience with LenderFi. Our package was a little out of the ordinary but Richard listened carefully during our initial conversation. He asked the right questions, understood our situation and got LenderFi's CEO involved right away which saved a bunch of time overall. Ryan S. took our preliminary info gathered by Richard, asked a few more questions, quickly sized up our needs and told us of a product he had been working on to help folks just like us. After this initial review period, Richard put us in the very capable hands of Cheri Stephans. She took over the process and guided us through gathering of all the rest of the required documentation. Richard stayed in touch and followed the process all the way through. Together, Cheri and Richard were able to answer every question we had. Not only were both of them pleasant, they actually took an interest in us and showed their truly caring personalities. I know there were others in the back office but all in all, this TEAM was able to get us qualified for a special program that suited our needs perfectly. The market crash of 2007-08 left a lot of good folks hanging on for dear life. Many like us have fought hard to stay in the game. LenderFi obviously knows this and has developed products designed to help those of us with more complicated structures. Congratulations to Ryan S. for thinking outside of the box. He not only has the vision to work with investors to create such programs but he is also accessible to his staff and leads by example. He works right with them (and the customer when required) to make sure they can capture this type of business along with the more routine packages. Bottom line... Y'all help people. Sure - there's rules to follow. There always are. However, I have nothing but good things to say about the way we were handled. Keep up the good - great work. We will look forward to working with you up the road as our loan matures. AND, we certainly have no problem referring LenderFi to others in our network. Thanks! Rich & Leslie H. Hiawassee GA read more

Given that LenderFi isn't as well-known as lenders like Quicken or Bank of America, I was initially skeptical if using them would pan out. However, after refinancing with them I can say it worked out great! I got a lower rate with them (few points), versus using one of the larger outfits, by which saving about $17,000. The drawbacks: by default they offer a 30 day lock on rates, which is shorter than other larger outfits, and puts pressure to make sure everything is completed correctly and expeditiously in that small window before the rate changes. Also, at times the reps come off as somewhat inexperienced and still learning the ropes. However, they were very responsive and always seemed to have my best interest at heart during the process. I closed within about 3 weeks with an unbeatable rate. I'd recommend them based on the low interest rate opportunities and the well-meaning (though somewhat green) customer service team. read more

Mike Urnecli and Rebecca Jackson are the best! I've done 2 refinances and they have been perfect. My last refinance I got about 8 quotes and they beat the other lenders. The process was fast and easy. Mike was very fast to answer my texts and emails. Can not recommend highly enough. read more

Anthony Assi and team were terrific! Application to close in only 10 days! Everyone on the team was knowledgeable about the process and super quick to respond to any questions. There was minimal paperwork AND I got a great rate. I would definitely recommend Lenderfi to anyone. read more