With historically low interest rates available, I was looking to refinance and get some cash out of our current home. After some substantial shopping around, I stumbled across LendPlus and their outstanding Sr. Mortgage Banker Kevin Cano. I'm not a real estate guru by any means, but this is my (Our) third home that we've owned and we've (Wifey and I) seen a few financing efforts, but NONE have ever come as close to being this smooth, timely and professionally handled. From start to finish, Kevin was just the right amount of spice; not too much, not too little. His plain-speak left no stones unturned and guaranteed to the Wife and I that we made the right choice in whom we had spearheading our effort to secure a better rate and cash back. Kevin made the whole process feel like I was dealing with a long time, familiar friend and/or member of the family and his collaborative support team is just as efficient. So if you're looking to buy, REFI, or just need a sounding board, Kevin Cano is your go-to Professional. read more

LendPlus - Kevin Cano | Senior Mortgage Banker - Mortgage Lenders Near Me - Aliso Viejo, California

Not sure with the negative feedbacks on this site but our experience with LendPlus has been positive. Best rate out there and I'm very thorough with my research. Azin Gerayeli was very attentive, professional and patience answering our questions and concerns. She returned our calls promptly and we are so glad that she's the one that assisted us with our refi. Thanks Azin! read more

LendPlus - Sr. Mortgage Banker, Azin Gerayeli at LendPlus - Mortgage Lenders Near Me - Aliso Viejo, California

I had the worst experience with Lendplus. Working with them gave me the worst anxiety and caused me so much unnecessary stress. I have amazing credit, strong financials, liquidity, and a career. I was strung along for over 6 months with them. Lots of promises over the phone but they wouldn't put things in writing. While I was working with them I noticed multiple employee turnover and they had to have me resend the same documents on several occasions. It was as though they did not have any of the documents I originally sent and then because so much time had passed I had to re-do everything because things had expired? They were completely unorganized. I also do not think they understand investment property. I ended up going with E Mortgage Capital and it took less than 1 month. I only provided them with my W2s and they were able to do it that way. read more

I wish I would have read the recent reviews before choosing them as our lender. We are pretty familiar with refinancing our prior home loans and our experience with Lend plus has been the worst yet. Would not recommend them to anyone. Currently dealing with Lendplus for a home refinance that should have been closed already. Appraisal was done a month ago and I have yet to hear from them for a signing date. They do not stay in contact with you. I've been emailing them every week since then asking for an update or a closing date and I cannot get a solid response. I don't even have a clue where my loan is in the process or what we are waiting for because they don't answer that question. Their employee turnover is ridiculous. My loan has been handed off to 3 different processors already because the prior processors are no longer employed there. It is completely unacceptable to feel ignored by your lender! Please save yourself the time, trouble, and appraisal fee and finance with another lender. UPDATE: finally spoke to someone. Processor was very rude and demeaning. Turns out my loan file was suspended as of 06/03. And I'm just now finding out. I have been emailing them and calling them for an update since 06/08. They clearly had an update already but failed to relay that information to me. Dropped LendPlus and took my business to another lender. Started the process 21 days ago and we already have a signing date set. COVID is not an excuse for bad customer service. read more

HIGHLY, HIGHLY Recommend Jim Panthaki. He helped me with my home refinance. I consider him amongst the most professional, helpful and honest mortgage lenders I've ever worked with. If I could give him a 10 out of 5 stars, I would. Jim, thank you for guiding me, and making the refinance process go so smoothly. Very much appreciated!! read more

More like LendMinus. TERRIBLE EXPERIENCE! Don't waste your time or money here. I **100%** second Jack Z's review from 2/4/2021. This company lures you in with promises of "low rates and a fast close", but I was strung along for 3 full months, by an inexperienced rep that "just started at the company" before finding out the underwriter wouldn't approve my refi. Said rep repeatedly failed to respond to emails and, when she did, asked for the same information or documents 2-3 times. This company blew my chances at getting a great rate before they started moving north again. Needless to say, I'm now working with a lender that responds to emails / calls and will actually follow through with their guarantees. read more

DONT WASTE YOUR TIME WITH THIS COMPANY....I'm not going to waste more time. Used them and they made a mess of everything. Stay away from this place....you have been warned. read more

I have purchased two homes and refinance twice now and my experience with Brian Kamody was second to none. I have been in sales for 10+ years and his professionalism made a real impression on me. It is not often that I am impressed by people this day and age but I wanted to hire Brian by then end of our mortgage refinance.He was quick to respond to my general refinancing inquiry on bankrate and showed a genuine interest my specific situation and goals. He laid everything out very clearly from the get go and was extremely responsive throughout the whole process. From start to finish we were done in a little over two weeks and I couldn't be happier. If you're looking for a straightforward mortgage or refinance look no further than Brian Kamody at LendPlus. read more

Waste of time and effort. Save your time and work with a reputable company. I Locked a 30-day rate in May and now 65 days later there is no end in site. No one even contacted me after the locked expired, so still no clue if the rate would still be honored. I have great credit and gave them everything they asked for with in 24 hours. They will use Covid 19 as an excuse, but the fact is they are requesting documents 60 days into the process that my new lender requested within a week. I pulled the plug on this useless company and moved to a new lender that values me as a customer. Additionally, my new lender locked me in at a lower rate too! read more

Don't waste the time. Another lender was more than happy to provide a loan for my circumstances when these people wouldn't. Customer service ultimately left quite a bit to desire. read more

The process has been a nightmare. I have been getting the run around. I locked in the rate around April 30th and it's now June 18th and nothing. Don't waste your time. read more

We initiated our refi on May 7 and submitted all document requested, now almost 3 months later, nothing has happened. I tried to ask for an update every month, but the response is always pandemic related issues. I understand it might take longer, but 3 months for a refi is really ridiculus. read more

LendPlus was great. A coworker of mine had already worked with them when they bought their house and so when she decided to refinance, she went with them again and suggested them to me. They did end up giving me the best rate in comparison to others. I worked with Israel Chavez and he was outstanding ;always on top of everything and even texting if I wasn't responding to time sensitive emails. The only complaint I have, and Israel didn't do this but others in his company did, is that they weren't very careful with sensitive information via emails. If you work with them, I would suggest that you advise the that you do not want anything sent via email with sensitive information. Other than that, they were wonderful to work with. read more

I've worked with many lenders over the years, but never felt compelled to review any of them. From day 1, Gary Rachner and his team were professional and tenacious in getting me the best deal available and getting me safely across many speed bumps. I highly recommend this company. read more

All good. They are doing what they can to make this right. I will post an update once we get finished.

My experience with lend plus has been very good. I got a low rate with low costs. My loan funded today so I'm pretty happy at the moment. I think Israel Chavez did a great job. He was up front with all the details and answered all of my emails and questions in a timely manner. For example he explained how it was taking 6 to 9 weeks to process loans due to how busy they have been. Mine took about 7 weeks. I'm giving them 4 stars because I think they have a little room for improvement. I think their website (desktop) could be improved a bit. I had trouble logging in on a few occasions (had to re-try a couple times) The interface is a little funky and they have a 50 char limit on file names that you can upload. In any event, those are minor details. The main point is that they offered a great deal and delivered on exactly what they said they would do. read more

I am so glad we went with Lend Plus. We did a ReFi with cashout option with Gary Elmer Rachner and Julie Le, everything went smoothly and we closed in less than 30 days! We locked in on a very good rate and their closing costs were transparent. Great job guys! read more

Joe Latorre (w/LendPlus) delivers amazing service! We contacted Joe on 5/31/17 and less than 3 weeks later our refi docs are signed and notarized as of tonight. We could not be more satisfied with the professionalism and quality of service. Joe explained each step, answered all questions, remained available and engaged as he worked tirelessly to ensure every facet of our refi was in perfect order. We highly recommend Joe for your home loan or refi. If we could give 6 stars we would. Cecilia & Rey read more

They have great rates but if there are any issues don't expect a straight answer or ANY answer at all. It took 8 MONTHS to do my refinance. And I stuck that long because every month they would tell me that we are almost there. Then for almost a month CORDIE stop talking to me, no replies to my texts, emails or answering the phone, I had to call from a different phone for her to answer (that is just crazy). They blamed it on the Loan Processor which had quit (I had 3 Loan Processors) and from that point I mostly communicated with the Loan Processors (the second one straight told me before leaving that Lendplus is a mess) . When we finally were about to close then Cordie started to talk to me again like we were best friends and was very pushy for me to do things I needed to do (she wanted to be done within hours during my work hours). WORST experience ever. By the way, the issues were not because of bad credit or any issues of not enough income, etc. (I am not rich but fortunate to be in a very stable financial situation). I just refinanced another property with Ally (I recommend them) in less than a month. read more

I agree with all of the one star Yelp reviews for LendPlus. LendPlus delayed the closing of my loan for about 4 months. Finally, I started to catch on to the idea that their delays were unnecessary. I checked Yelp and was surprised that several other people had very long delays also. After reading the negative Yelp reviews about LendPlus, I immediately applied for a loan with a different company and closed that new loan within 2 months. The new lender did not ask for as much information as LendPlus. read more

i have worked with a few different mortgage originators. I cant say enough about my experience with Lend Plus. it was quick, easily done online and by phone and text and most importantly...they listen and care about getting it right. in my opinion the most important aspects of customer service are listening to your customer, following up, and doing what you say you are going to do. The other day, the owner if the company called me. He genuinely wanted to know about how things went with the loan. i was blown away because this person was genuinely concerned about how his customers were treated and if things went well. i have never written a review for a mortgage originator but they deserve my time for the service that I was given. Great job guys! I will ways drop your name to anyone who is considering a home loan or refi. Sincerely Greg from Temecula Ca. read more

They are two face do not i repeat do not trust what they say. they are very nice and tell anything you want to hear, but when comes to closing they have every excuse and excuse why the fees changed. it took nearly 6 months to close and the numbers changed and they kept moving the closing date. Run, Run as fast as you can. you have been WARNED! read more

I was told it would be a 30 to 45 day close, 90 days later, no close. Only to be told that it would be another 30 days, incompetence at its finest. Trust me when I tell you, run away from this lender. I have an 800 credit score with the work history to back it, so my finances were not an issue, incompetence was the issue. read more

Turn around and go somewhere else. I was well qualified for the refinance. They used to low rate to attract me but they just let my file sit on their desk and not to process. Wasted me 2 months time. They gave me excuses saying the underwriter can approve it. Guess what? I went to a different lender and the new lender give me a lower rate and loan close the loan in 60 days. read more

LENDPLUS is a UNETHICAL as LENDERS CAN GET!!!! On Sept 18th 2019, I chose LENDPLUS to refi my home through. I locked in a rate on that day and within 24 hours ALL of the DOCs they requested were submitted. Within 3 days the, expensive, home inspection was completed and it was all that was needed to go to underwriting. On Sept 30th 2019, the home inspection was submitted to LENDPLUS, and I was provided a copy on that morning. On Oct 1st, 2019 I was informed by my customer service Rep, Israel Chavez, that everything was forwarded to Underwriting and that LendPlus would KEEP me updated. As of Oct 16th 2019, I hadn't heard from ANYONE from LendPlus and decided to call Israel to see where things where, as 16 days in "underwriting" is longer than usual. It took HOURS to hear back from Mr. Chavez and was informed by him that he had LEFT Lendplus TWO WEEK EARLIER! Needless to say, it was EXTREMELY ALARMING that NOONE from Lendplus had reached out and informed me of the change in Rep, or to update me on the REFI progress. Subsequently, I FOUND Gary Rackner's contact info and proceeded to establish communication the night of 10/16/19. Gary informed me that he was "not in the office" and did not care to discuss anything. he then told me that I should call him the following day to "discuss" the refi. I called Mr. Rackner at 11:30AM and was sent to VM. I also texted him and did not get any response until 12:13PM. At which point Mr. Rackner responded with, "I will call you BY 1PM. Mr. Rackner DID NOT CALL ME BACK and at 1:15PM I asked him if he meant TODAY. He responded "yes got caught up in a meeting I will call you". I asked "WHEN will you call me" at 1:38pm and did not get a response until 2:22 stating "Can I will call you later". To which I responded "NO, I need answers now". To which Mr. Rackner responded "I am in a meeting when I get out I will call you". I have been going through the usual angst that any REFI promises, and having found out that INTERNAL ISSUES at LENDPLUS has lead to my application being FORGOTTEN and NOONE will give me an update or status only exacerbates that stress. it is infuriating that Mr. Rackner is OBVIOUSLY blowing me off and I feel as though LENDPLUS is an utterly UNPROFESSIONAL and UNETHICAL lender! It has been 17 days since I was told "Underwriting has your application", it only took 12 days to get to underwriting and it would seem that Gary Rackner has NO CONCERN over the fact they are indifferent to the unnecessary stress HE IS CAUSING. read more

Lend Plus is great to work with specifically working with Israel Chavez. We received news of being funded today with our new refinance rate! Israel was very honest and told me what to expect and when to expect it. They didn't make any empty promises and told me how long the process would take. I never had to haggle them as they would keep me posted with any updates periodically. Someone who can be anxious at times, if I did have a question or if there was a concern, I received an immediate reply from him. I would highly recommend them! Thanks Israel! read more

Lend Plus is amazing! So fortunate to have Israel Chavez and Jasmin Acosta behind me. They helped us get a great rate for our home loan and everything else went very smooth from there, so smooth that it was a quick 3 weeks, before we knew it, we were already signing the loan docs! Israel is up front about everything and answered all of our questions and concerns. He made sure we got the best rate and the best service. I've dealt with some others on bankrate and they were responsive initially and then would no longer respond after I ask specific questions. Israel is very detailed oriented and very personable. He's also very honest and truthful about everying, something you don't get from all of those money hungry lenders who come across extremely rude, like the recent lenders who have been advertising crazy rates on TV and Billboards. My only regret is that I didn't find him sooner for my previous refinance. You won't find anyone better than Israel! Thank you very much Israel and Jasmin! read more

One of the worst experiences I've ever gone thru is with this lender. I applied late May, but only thru several proactive followups on my part, did the loan final close early August. They have very poor followup with a customer and they continually ask for documents while they delay processing. They get barely two stars from me because their fees were lower than other lenders and I didn't have to pay any points, but honestly by the time my loan closed there were better rates out there. Cordie is who I was dealing with and while she claims she's been in the business for 25 years, customer service was subpar. As everyone else has said, there are better alternatives out there. read more

I would highly recommend Paul Neuland at LendPlus for loans. He made the loan process so easy and answered all of our questions. I will never go anywhere else now that I have seen how easy it can be! read more

One star because I can't leave zero stars. Let me start off by saying that this was the worst experience I have ever had. I will be honest with you, I got caught up in the mortgage meltdown of 2008-2009. We had some rental properties that went downhill due to bad renters up in the high desert. We drained our 401k's in order to try to save these houses and not loose our primary home. We ended up loosing all but one of our rentals, and that has hurt us for a long time. We lost the last one in 2014. So this brings us to Lend Plus. I started dealing with Fernando Aristiz when he was at his last company G1 Credit Union. He told me there that he had a program that was able to do a refi as long as the last foreclosure was over three years ago. Great. I was not quite ready to proceed at that time. When I contacted him to let him know that I was ready to move forward, he let me know that he went to work for Lend Plus. He said he could help us and we proceeded with the process. The 2014 issue was disclosed in the application, which he acknowledged that it was there. I told him that if this was going to be an issue that I did not want to proceed. He told me "It should not be a problem". I said ok lets move forward. Everything seemed to be moving along. I was contacted by Elaine Juezan who is in underwriting. She asked for more documents that were needed which I got to her right away. We had an expected close date of 5/18 and like I said, things were progressing. There was an issue with getting the insurance right, and that was finally corrected after a week. Then I was told they needed to charge me $231.00 for a third party review of our mortgage, so I gave them our credit card which was charged. 5/18 came and went, and communication from Elaine stopped. I had texted per her request, emailed and even called. No response. I finally had to call Fernando, and he eventually got back to me to tell me that "You have a foreclosure in 2014" I said I know that and so did you. He said "Yes it was even disclosed in the application". Anyways after a few minutes of arguing that was getting nowhere, I ended the call. This was Thursday evening. On Tuesday, I get a text, not a call, saying that they would not be able to do a loan for us. Communication has been horrible throughout this whole process. So here is my problem. Not only were they not able to do a loan for us, which was disappointing, but not unexpected, but they did things in a way that really screwed things up for us. Their process is so very backwards. There is a check where they look at previous addresses, and that brings up some sort of background check. This was done last, not first. During this background check, the issue from 2014 appeared. That made them look further, and they are using something that happened close to ten years ago against us. I knew the 2014 foreclosure was going to be an issue, but was assured by Fernando that "It should not be a problem". This background check should be the first check, not the last. Not only are we out $231.00 for whatever this third party check was, but now I have to fix the insurance. I originally wrote this on May 27. Fernando called me right away after I posted and said they would do an FHA loan if I took down the negative review. I agreed and they started that process. As of yesterday 8/11/2020 they once again denied it due to the problems back in 2010-2011. Totally going against FHA guidelines. I know this as I spoke to FHA yesterday and they are going to investigate. In addition to that $231.00 charge, we now had to pay for an appraisal at over $500, and we have an inquiry on our credit as well. I have a credit score of 839. We have worked hard to put this behind us. We owed $495,000 on our home that we are trying to refinance as of January 2017. We have paid down the mortgage to $275,000 in three years. We have been paying down the mortgages on our other two properties at a faster rate as well. We are not bad people, but were caught up in bad situation set up by predatory lending. These things should be considered when giving a mortgage. So watch out for this company. They discriminate for issues like ours, what is to say they aren't discriminating for other reasons. My next calls will be to the Consumer Financial Protection Bureau, the BBB and the California Department of Real Estate. As far as I am concerned, Fernando is just a salesman. He sells financial products. He might as well go sell used cars since he just tells you what you want to hear in order to close a deal. My daughter was going to refinance with him as well, but ended up getting a much better rate from her credit union instead. If you have been thinking of using this company, maybe think twice and do your homework on rates. read more

Great rates and good customer service but frankly an embarrassing website. Lack of a simple'Login' link makes it very frustrating in dealing with them to complete updates/docs for your loan. Pathetic in this day of technology excellence and far behind their competitors websites. read more

It was my first time refinancing and I came to this business for a standard refinance in August after finding them in BankRate.com. I worked with Michael Lamour (License #1198118 /CA-DBO1198118) and he is incredibly incompetent. After four months of baby sitting him and the Garcia team I was left annoyed and underwhelmed. I complained to Gary Rachner and he was a joke. He's a salesman with no interest in doing good business. I even recommended my co-worker and he had a similar experience with this business. After he left a bad review they asked if he could remove it and gave him a credit so be cautious of these good reviews. I didn't listen and wasted my time. I mean, if the receptionist can't even transfer a call correctly that tells you a lot. In this period of low interest rates find a reputable lender with qualified/competent mortgage bankers that can get the job done. If you have time and money to waste sign up with them. read more

I highly recommend Paul Neuland with LendPlus. I recently had the pleasure of working with Paul while purchasing my first home. He is extremely professional, very knowledgeable, works quickly and efficiently and makes sure to give you the best deal possible on your home loan. He will answer any question you may have and will do so in a timely manner. If you are in the market for a home loan, make sure you call Paul first! read more

I was purchasing a new home but didn't feel comfortable with my local bank so a friend referred me to Jack Martin. I found Jack to be very helpful in selecting the best loan program for me. He followed rates closely and locked at the lowest rate available. I am self employed with complicated tax returns but Jack rose to the challenge and worked with his underwriter to get me qualified. I will certainly use him again. read more

I m a 100% disabled veteran. My wife Bonnie and I live on my disability a nd our social security benifits. We had literally no money to spend on a refinance and were turned down by two other lenders before applying to LendPlus. We were to say the least, sceptical. Laurie Marquez took us through the process of documentation with professionalism, patience, and a knowledgeable understanding that both incouraged us out of doubt and relaxed our apprehensions.We, Bonnie and Michael, thank you so much for all you have done and wish you the best at Lendplus, if it was up to us you would run the place. read more

Your review helps others learn about great local businesses. I lost $670 just because of their lousy job they did. After they received all the needed documents for refinance. Before they ordered the appraiser, I confirmed with them that they have everything they need. The appraiser came up with the right amount for the refinance. However, the loan officer told me the underwater rejected the appraisal and didn't say the reason. Just I lost $670. Malak read more

I can't say enough good things about Paul Neuland from LendPlus. He was patient and soothing when i was crazy and impatient. He always kept me informed about what was going on with my loan. Such a professional in every way. I highly recommend him. read more

"Jack Martin has been a good source for home loan finance for me for years. After carefully analyzing income and liabilities he suggests the best loan programs for both short and long term goals. He kept us up to speed as to the loan process as well as keeping close contact with our realtor. We had a quick closing at the rate we expected with no surprises." read more

I really felt like Paul Neuland has my best interest at heart, and it's so hard to find someone who you can trust, He absolutely knows the lending industry, and his professionalism was very reassuring. He went through my entire financial situation and structured my new loan to get the maximum benefit with the least cost, and counseled me, at length, on how to avoid getting into debt. I will definitely use him again, and would highly recommend asking to work with Paul if you are purchasing or refinancing your home. read more

Lendplus what a joke. I was shopping around for a refinance. I had a call from David Truong with Lendplus I told him what I'm looking for and I tell I'm interested in. As 49 yr loan. He likes you can't get one. I explained I have a new 30 yr I'm going to close on, he's like I can't see how so if I wZ you I do it. So that afternoon notary cans and I signed for the new 3@ yr kian with another company. Next morning David Truong calms and says hey I'm sorry you can get a 30 yr loan I forgot to press a button. I'm like what.... I asked how long have you been in the mortgage bussiness he said 20 years. I should gave hung up right then...... He tells me look I made the mistake I just forgot to click a button but I can get you a refinance loan for 2.85. U said really do I send him everything. I call him ask if he got everything as I texted and sent photos to him drivers license, w2, recent check stubs, homeowners policy, appraisal, latest mortgage bill. That was March 5th 2020. By the way today is March 20th 2020. So he says he has everything then comes back needs another copy one was blurred. In the meantime I cancel the new loan that I just closed with and had the notary. So a couple dats go by I call to see how things are going he's say it's with the underwriters. You don't need anything else right? He says no, your good I locked you in on the 2.85. So I'm happy right going get a good a good rate, lower house pymt . I'm a happy camper. Well days go by I text him say hey my homeowners policy is going to cancel March 19th 2029. Now mind you I started with him as if March 5th and today is March 20th. So he said he'd let his team know. So days go by all of a sudden I get an email from a processor wanting w2, check stubs. etc ... All the info I texted him photos of March 5th 2020. So I text it him asking I don't understand I sent that all to you m. You had told me it had gone to a underwriter and I sent all the info to you already. He says I never told you it went to underwriter. Yes you did ... I mean really you people out there reading this I just made it up I mean that's why I cancelled the last loan with a different lender. Anyway I'm like I don't understand. He said you need to calm down. I'm a little ticked . Cos I'm not understanding why I gotta send everything again. So I do and I text him and ask if can give to the processor. So days go by I text him everything good right? You got everything right he says yes. So days go by and now it's Monday March 16th don't hear nothing still. Tuesday comes nothing yet and remind you my homeowners policy is going expire right so I text him to remind him hey what are we going to do regarding my homeowners policy. He texts me close to end of day and says we're going to get new homeowners ins. I texted him back and said no were not I'm keeping my homeowners insurance. I never got a reply back from him. So now I'm like I gotta pay my homeowners policy so I pay for the whole year myself I gotta have my homeowners ins . So still nothing from David Truong. Now it's March 18th 2920 and I get a call from Lendplus from a processor a different one not the 1st processor.......I had. And guess what this new processor wants w2, check stubs, driver license etc. I'm thinking to myself are you freakin kidding me...........So what this means I would be sending all the same info that I had sent from the start March 5th 2020. So I explain to this 2nd processor as I don't know what happened to the 1st processor.. Anyway I explain the whole story to her starting back when I first talked to David March 4th when he forgot to click a button to March 5th 2020 when I began sending all the w2, check stubs ,homeowners ins, drivers license, mortgage statement, pension letters everything...... So the 2nd processor said ok I will get ahold of him . Today is March 20th he emails me at 11:37 today and tells me to work with the processor and send whatever she needs to complete the process and he also stated the text and photos of information you texted me is not what they want.......... Can you people believe that....What lender company doesn't need your drivers license, w2, mortgage statement, pension letters showing how much I recieve a month, home owners policy, check stubs, the appraisal I had done 2/19/2020. This Lender - Lendplus is a joke. All wasted time in 16days where did it get me no where but resending all the information they requested and find our today all the info is not what they need. That's funny..... because David Truong that's the 1st thing he requested all my check stubs etc. And both processors emailed and requested the same info also check stubs, w2 etc.... So David Truong texted me and said that's not what they need.... Can anybody tell me how a lender can do a finance ir a refinance without w2,check stubs, drivers license, mortgage statement, homeowners insurance,pension letters showing what is put into my acct, appraisal. Beware of this company and David Truong. read more