Lender is in Utah, sending out advertisements to California. Listed as DBA 'Costpro Lending' but…read moreNMLS does not reflect this. Not only that but they did not include any required info on the ad stating their licenses needed for CA. On top of this and other things shady about the whole thing is that they even have the line "Address Change? Please Contact...." in the advertisement. If C&E can't figure this out...... Almost as bad as another company sending loan ads to the previous owner who died 6 years ago.......

I called Rick of Loans by Rick at Vintage to get another quote for refinancing my home loan as I…read morewasn't thrilled with the costs Provident (who currently serves my mortgage) was giving me. Rick went through all kinds of scenarios in order to explain to me, in very simple terms I could understand, why my particular situation did not warrant a refi and that going through with it would actually cost me thousands more than keeping my current mortgage. This is information I SHOULD have received from Provident when I applied for a refinance; however, they apparently only care about lining their pockets, never mind hurting actual people. Kudos to Rick! He's awesome! I know who I'm going to for my next home purchase.

Scott Taylor Thank you. You are the man, up one, "Of your Word!"…read more I have been trying to refinance my home for the 8 months, and it has been a nightmare, I spent over $2000 in appraisal, been lead to believe at last hour I would closing and nothing. Until Scott Taylor came a long, yes it was a long process almost 4 months, so don't believe what you hear. What Scott did say to me in the beginning came true and more... There were times I wanted to give up and his calming voice walked me through the obstacle at hand. We got through and I must say I have learned a lot. One think I know for a fact is that Integrity First Lending stands by their word. I have looked at other reviews here and I would say this process isn't fun, my whole life has revolved around this ordeal, and yes I experienced different scenarios, not with lender but Quicken Loans was working with me at the same time, but never followed through, they just fell of the face of the earth. Thank You Scott Taylor

This place was difficult to work with, not only did they give me the wrong closing costs 4…read moredifferent times, I had to drive to get them to do the work. After the loan was completed they sent me a customer survey to fill out. They asked about a particular person who I never worked with. Funny I never heard back from them to follow up on the negative questionnaire. One thing they should invest in would be electronic signatures instead of having to drive down to their office and sign a large stack of papers. I should have gone with Quicken Loans, since they were more on the ball and wanted to earn my business.

Brian and his whole team were just incredible. This was our very first home and they made the…read moreentire process so easy and seamless very step of the way! They were very communicative which was so helpful as buying a home can feel so unnerving and stressful while you're in the waiting game of closing and financing but they were always really reassuring and kept me in the loop on everything. Such positive and encouraging people and it was such a great experience buying our first home with them. We will definitely use them in the future for any other purchases. I will absolutely recommend them to anyone I know that is looking to by property. :) thank you again!

Truly wonderful lending team! Brian went above and beyond to help us through all the nuances when…read morewe refinanced our home a year or so ago. It was such a wonderful experience that we used him and his team again on our second home. They really take the time to make sure you get the best outcome without sacrificing time. They know the ins and outs well enough to preempt any potential unforeseen setbacks when it comes to the loan process. Would recommend

At the start of the process Mike Molina knew that we were very apprehensive about all the hassle…read moreand paperwork that might be involved in a loan application. While it was not quite as painless as Mike originally suggested, Mike Molina and his staff went out of their way to smooth the process for us. Citywide's loan process kept everyone in the transaction very well informed all through the steps involved. During the key application period Citywide had a daily series of email advisories that showed up on my computer. As frequently happens there were several glitches or speed bumps, but Mike was very helpful in addressing these problems. He was always available and responded effectively. We have made 7 home purchases over the last decade or so and working with Mr. Molina was much better than several of our past purchases. In brief, I would absolutely recommend Mike Molina and Citywide to any friend or relative seeking financial assistance in purchasing a home.

I was very impressed at how quickly we were able to close on this loan. Due to unforeseen…read morecircumstances, I had 2 weeks to close and team Marylee went above and beyond to get it done. I will use them in the future and will recommend to my friends and family.

Had an amazing experience with Team Marylee!…read more Everything was handled professionally, expeditiously and with clear communication. Shoutout to Maddie, if you have pleasure working with her, sit back, relax and enjoy your New Home, Refi or Cash-Out. Thanks Team Marylee, for making what is usually a very tedious process, without a pandemic, almost effortless. Bane - LV NV

My experience with Team Marylee was excellent. Marylee and her team were thorough at every step of…read morethe process, providing great follow-up and friendly service.

Jeremy from Community Lending Group just handled my loan and it was as smooth as possible. He was…read morethere to answer all my questions and was even at closing. They don't mess around or have hidden fees, everything is clear and simple with them. Glad I used these guys for my home loan.

Community Lending and Jeremy were exceptional to work with. He came highly recommended by our…read moreaccountant. After researching and interviewing an extensive number of lenders/brokers, we found Jeremy to be the most informative and trustworthy. Their interest rates were spot on and all their fees were transparent. He explained every dollar we were charged and kept us informed during the whole refinancing process. He was extremely patient and answered all my questions. The transaction could not have gone more smoothly and timely. I highly recommend Jeremy and Community Lending.

There is about 6,000 realtors in this area and I would assume there is an equal number of lending…read moreofficers. I would tell someone to never buy a house before I would recommend ever using this individual. She pulled my credit without my permission, gathered wrong information about me and wouldn't give me the chance to correct it and soooo much more. I finally hung up on her back in June because she only called me to be condescending and had absolutely nothing nice or helpful to say. She got mad when I told her I had already been approved through someone else. The funny part is, I was getting a second opinion; which I have every right to do by the way. What's funny is Heinie's uneducated opinion of me contradicts what others say. She wasn't even willing to give me a loan and again, was so condescending the entire time. I was shocked that she thought she could treat me that way. Here is some of my favorite quotes of hers: "You can wait until you're old enough to get a house" Excuse me? Lol. Why didn't the other loan officers say that? This isn't lagoon. I don't need to be *this* tall to ride the ride. "Wait until you're married with a man that can co-sign and give you money" I never thought I would hear a woman say such a blatant sexist thing but here we stand. She also said in an email that I would need a co-sign which is interesting because A. I don't want one and B. I don't need one. There is nobody on this earth that I am less likely to recommend. Nobody does a worse job at THEIR job. Below, you will see an email that will speak for itself as well as an email from the new people I am working with. Isn't it interesting how when you have a respectful, educated individual on your team, how different things turn out? The person I am working with now has permission to look at my credit, got my paystubs from me, and actually listened and answered all my questions. IF YOU ARE LOOKING FOR A GREAT MORTGAGE LENDER, LOOK AWAY FROM THIS PAGE. RUN ANY OTHER DIRECTION AND IT WILL GIVE YOU A BETTER RESULT.

I did a refinance through Heidi Snarr and it was the smoothest, easiest and quickest experience…read moreI've ever had. The team was friendly and timely. I appreciate when people work hard for you! I HIGHLY RECOMMEND !!!!

We refinanced our house in 2020 with Loans By Rick. Everything went well. The terms were good, the…read moreinterest rate was good, we financed the fees, and because of the pandemic the notary came to our house with the documents so we didn't have to go to a title company office. This was our third refinance experience and hopefully our last. I gave 4 stars instead of five for a couple of tiny reasons. 1. If you're someone who can end up taking to someone forever about random things, watch out because Rick Kirchenbaum is, too. We spent way too much time chatting on the phone instead of actually discussing the terms of the offer. If you like the bonding from chit chat, Rick is probably your guy. But I spent 2 hours the first day taking to him about how he used to own a shoe store in Sandy and might have sold shoes to my husband when hubby was in high school. Just... how did that happen?!? 2. There were several issues with getting our documentation of pay stubs and tax forms and loan statements to his office. Mostly file format issues. It was annoying to have to take a picture of something ~again~ and email it ~again~ because it was either too big or too blurry when his office put it in the portal for the underwriters. Might not be an issue now when people can meet in person again, but it was annoying and made things take a week longer than necessary. 3. He wasn't clear about how big the lender fees would be or whether they'd be coming in the form of a check from us or rolled into the loan until we got the final paperwork. I was surprised the fees were bigger on the final paperwork than on the estimate. And I thought we would have to pay that at closing. I didn't back out and go with someone else because at that point I was many hours deep in phone calls and emails and digital portal clicks and sign heres and I honestly just wanted to be done. And then we didn't have to pay anything at actual closing after I'd been worried about it for a week. So nice surprise, but a little more clarity during the process -- especially because I asked about those two things specifically -- would have been appreciated. So yeah. Solid 4 stars. The mobile notary instead of having to drive somewhere in Salt Lake to a title company office was seriously the best thing. Overall I'd use him again if we hadn't paid off literally all our consumer debt in that refi and should never ever need to do a refi again. Ever.

We've worked more than once with Loans By Rick and specifically Rick directly. he is always great…read moreto work with and willing to take the time needed when questions come up. I would always look to Rick first when in need of mortgage options. Even when the loan is not the type he does Rick is always willing to help as much as he can.