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    USA Loans

    1.0 (1 review)
    Open 8:00 am - 6:00 pm
    Updated 3 months ago

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    5 years ago

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    TheLender

    TheLender

    (13 reviews)

    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.

    My experience with this company was beyond disappointing it was one of the most frustrating…read moreprofessional interactions I've ever had. What they advertise about integrity, transparency, and "family culture" could not be further from what I experienced. Communication was inconsistent, expectations were misrepresented, and accountability was almost nonexistent once issues started surfacing. Cory Tona is presented as the visionary leader and driving force behind the organization, which makes the operational failures even more concerning. Leadership sets the tone for how a company operates and based on my experience, the tone here is disorganization, deflection, and lack of responsibility. On top of that, I became uncomfortable with what I felt were blurred professional boundaries. I noticed Cory viewing and engaging with my personal social media in a way that felt inappropriate given the business context. It added another layer of discomfort to an already negative experience and came across as unprofessional. I felt misled throughout the process, and attempts to get clarity or resolution were met with delays, vague responses, or complete avoidance. That alone speaks volumes about how clients are actually treated once you're already engaged. After doing additional research, I realized I'm far from the only one who's had a negative experience. The pattern of complaints from others mirrors my own which makes it hard to view this as an isolated situation. If you're considering doing business here, I would strongly urge you to proceed with extreme caution and thoroughly explore other options first. Based on my experience, I would not recommend this company to anyone. 1) BBB status + rating * BBB states "TheLender is NOT a BBB Accredited Business" and shows a BBB rating of F, listing reasons including failure to respond to complaints. 2) Pennsylvania regulator consent order + fine (licensed issue) * The Pennsylvania Department of Banking and Securities entered a Consent Agreement and Order (July 2022) stating it believed Hometown Equity Mortgage, LLC operated in violation of Pennsylvania's Mortgage Licensing Act by engaging in mortgage servicing activity while not licensed as a Mortgage Servicer, and the company agreed to pay a $4,200 fine. 3) HUD Mortgagee Review Board settlement (FHA admin action) * The Federal Register lists Hometown Equity Mortgage LLC (Lake Forest, CA) as entering a settlement agreement that included a $5,000 civil money penalty, noting the settlement did not constitute an admission of liability or fault. 4) Litigation exists (public dockets) * A federal case titled Lender LLC v. Hometown Equity Mortgage LLC (d/b/a TheLender) appears in public docket listings (filed 2022). * Another federal case Edry v. Hometown Equity Mortgage, LLC (d/b/a THELENDER) appears in public court documents (Nevada).

    AdvantageFirst Lending - Maria Sandoval, Senior Processor

    AdvantageFirst Lending

    (133 reviews)

    I recently completed a refinance on my home through Advantage First Lending, and I want to express…read moremy sincere appreciation for the exceptional work of Uriel Salinas, Sr. Loan Originator, and Christina Klapprich, Sr. Loan Processor. From start to finish, Uriel demonstrated professionalism, patience, and genuine dedication. He remained in consistent contact with me throughout the year, following up as my credit improved and ensuring I was in the best position to qualify for a better rate. His proactive communication and encouragement made the process feel manageable and transparent every step of the way. When challenges arose, both Uriel and Christina went above and beyond to find solutions. Their teamwork, responsiveness, and problem-solving skills were evident in how smoothly they handled every hurdle that came our way. Thanks to their commitment and persistence, we successfully completed the refinance with great results. I am truly grateful for their hard work and outstanding customer service. I would highly recommend Uriel Salinas, Christina Klapprich, and the Advantage First Lending team to anyone looking for knowledgeable, caring, and dependable professionals in the lending process. Gregory A. Allentown, PA

    Their advertisements that they send in the mail are very misleading and predatory. I called to…read moreinquire. The woman on the phone suggested I refinance my current mortgage at 2.125% with only 10 years left to a 30 year mortgage at 4.75% with an APR of 5.9% and take cash out that I don't need or want. Closing costs would be about $30,000. This is the definition of predatory lending. There are federal laws that state a Net Tangible Benefit must exist to refinance. No benefit exists but this company doesn't care about the law.

    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 July 2026

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