Lower

It was a very good experience

The entire process was an efficient and painless experience. We were assigned a loan officer at the beginning of the process and they guided us through to completion. James and his team were awesome. They answered any questions we had, explained the pros and cons of each option and helped us land in a much better product than we had previously. The majority of the process could be completed online/digitally. I felt like their team truly appreciated our business and we're working for us. I would definitely recommend them to anyone looking to refinance their primary or investment properties.

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final result good ,

The entire process took much longer then was told up front. previously an L.O. I understood that volume was high at the time and that was not under his direct control. The Under writing stipulations were a bit over the top for someone like me with 800 plus fico scores. Never the less Nikolas came thru and in the end we are happy with the rate, and costs of this loan.

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Low**.com

The loan was slow to get started (2-3 months), but once Jake took over the refi everything went very smoothly and I am satisfied with the results as the loan was completed within a few weeks.

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Loan Officer was great, but process frustrating!

I would rate Low**.com 5 STARS if someone asked me about my loan advisor, Caleb Clay. He was accessible any day at any time. He responded to my concerns almost immediately. If he didn’t know the answer, he would find it and get back with me. He was MORE than patient and understood my anxiety of uploading personal documents to strangers and went out of his way to make me feel safe. He is WONDERFUL, but the process of getting approved was a headache! My husband and I have a VERY LOW debt ratio and a credit score of over 800. The amount needed for refinancing was $125,000 LESS THAN the appraisal of the property, so we as customers should have been a no-brainer; however, the process took FOUR MONTHS! The constant need of more documents and often duplicate requests was disturbing and almost harassing. At one point, I was in tears and ready to give up! In retrospect, I never would have started the process if someone had told me the headache I was going to endure. I just didn’t need the stress for the 1.5 point drop in interest rate.

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Matthew Clark was amazing!

The entire process was so seamless, thanks to Mr. Clark. He helped me through the refinance process when I know NOTHING about refinancing. He was very caring and patient with me

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Great rate but took too long for a refi.

I worked with Gregory Brown. He reached out every week or two and would always respond if I emailed with any questions or concerns. Unfortunately it took over 5 months to close on the refi. Fortunately, they locked in my rate. My closing costs ended up being similar to what was originally quoted, except a $100 increase in Title fees at the end and a removal of a $150 credit which I didn't know about until I was signing the papers with the notary. I understand they are busy, but it seemed as if every time they needed some other documentation from me or my current lender, my loan went to the bottom of the pile. I would think that any refi over 90 days would always stay at the top of the pile.

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Great rate, super long time to close

Kyle was great but it took 6 months to get the refinance done. Not of his doing though. Communication during that period was rough but I’d probably do the same thing if I had customers waiting an unbelievable about of time for a refinance.
With that said He worked with me to get by far the best rate, by about $100 a month, pay off a HELOC and some cash out. If you have the time to wait could be worth it.

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