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    USA Loans

    1.0 (1 review)
    Closed 8:00 am - 6:00 pm
    Updated 2 weeks ago

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    Services - USA Loans

    Mortgage services

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    5 years ago

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    TheLender

    TheLender

    (13 reviews)

    I will be leaving a similar review on every site I possibly can, shout it from the hilltops, refer…read moreevery friend and family member I can, and forever be grateful for theLender! If you don't like reading, just skip to the last paragraph. theLender is NOT the best at answering "panicking" non- essential e-mails from rookie mortgage seekers, at least not with me. Wait, how can you start a 5 star review with a negative? Because I don't want potential clients to be turned off if that shows up in other reviews. The scenario: wife and I fell in love with a new "being built" home in Riverside County. Didn't really have much money in the bank, and a modest-at-best credit score... but I knew it would be a long escrow (house was just foundation when we went under contract) and had $$$ coming in over the next couple months.... So we signed... Had MANY lenders that I was working with. Online lenders, the builder's lender, basically everyone other than big banks who traditionally like 20% down and 800 credit scores. The "promises" that were made by these lenders initially during the pre-approval (yes, I was smart enough to do that first) began to change slightly every couple of weeks -- more money down, rate increases. As luck would have it, my identity was stolen during the escrow process. Poop show. Well to try and save our dream house and not lose our earnest money, I was looking at tens of thousands of dollars out of pocket (more than initially quoted), and a 7 1/4 interest rate that would basically break me, and max me out every month. As my love's dream home was slipping away, the builder's agent (love her!) suggested I call "Deb" at theLender. We're talking 31 days before closing... Like a freakin super hero out of nowhere, Deb and her team came in to save the day! They found me more incentives than the builder's lender did, and undercut the interest rate of every lender I ever spoke with by over a point and a half. They not only saved our home, but gave me a comfortable payment that I can handle. I can't thank or recommend them enough! So as far as the emails, when something needed to get done, they were on it!! Because they're so awesome, they were just too busy making our dream come true to entertain my daily panic! My team: Deb Stark Cheryl Amaral Denienne Leed

    Absolutely the worst company I have ever dealt with. From the beginning, the communication was…read moremisleading, unprofessional, and felt intentionally deceptive. Every step of the process came with hidden issues, unexpected fees, changing information, and constant runarounds. It honestly felt like they cared more about squeezing every dollar possible out of customers than actually helping people. The level of transparency was terrible. Promises were made and then suddenly changed at the last minute, creating unnecessary stress and confusion. Trying to get clear answers was nearly impossible because nobody seemed willing to take accountability. The entire experience felt dishonest and predatory. I would strongly recommend anyone considering working with this lender to read the fine print carefully and explore other options before signing anything. This was one of the most frustrating and disappointing business experiences I've ever had.

    We Lending

    We Lending

    (18 reviews)

    DO NOT go with this company if you are a first time home buyer. At first I thought my loan officer…read morewas looking out for my best interest. Instead she was looking out for herself and the company. She was very nice in the beginning. My loan officer couldn't get my loan amount correct. I even asked her 4x times to fix it. She lied about points and cost. She quoted me $1k. When I looked on my loan worksheet she charged me $3k instead of $1k. Also, she said my PMI was gonna be under $100. On my worksheet it was $191. Finally, I felt enough was enough. I need to look for a new lender. Time is ticking, my offered got accepted and no time for this back and forth mess. This loan officer was trying to take advantage of first time home buyer,like myself. Thank goodness I did my research and found another company who charged me 8k less for closing cost! Btw once I told her I was going with another company, she corrected the loan amount and lower the cost of the points. By then it was to late. My loan officer initials at S.Z.

    I applied for a loan to refinance my house. I was offered a very good rate. But at the end I was…read moretold that by Loan officer Eliu Lopez "sorry not enough time for our underwriters to review your documentation". We won't be able to complete the review on time. He said "If I try to give the same rate will cost you around $14K. more for closing cost". I provided all documentation requested more than one time. I wasted my time and money I trusted and didn't deliver. He didn't even apologize. I won't recommend We lending very poor customer service. They are not reliable.

    USA Loans - mortgagelenders - Updated May 2026

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