Review Time
In recent years, I had the opportunity to work with a financial representative who was incredibly helpful, knowledgeable, and diligent in assisting me with obtaining an additional small loan alongside my existing larger one. Working with the company can be manageable if you overlook the various fees involved. There are multiple charges, some quite steep, and legal fees can be substantial. The most frustrating aspect is that the loan is only for a year, requiring an annual appraisal payment. However, given my limited options, I had to proceed with them. It turned out to be mutually beneficial, albeit my advantage was smaller. All the representatives I interacted with were pleasant, courteous, and supportive.
Avoid this service at all costs! They will charm you into a contract filled with high interest rates and excessive fees. If you encounter difficulties in making payments, they become aggressive and show no concern for your situation. Unlike traditional banks, they will attempt to withdraw payments while accruing hefty NSF charges for each failed transaction. They offer no accommodations and are inflexible in their dealings. This service is akin to a loan shark—stay away!
Over the past few years, I had the opportunity to work with a financial representative who was incredibly helpful and knowledgeable in assisting me with securing an additional small loan alongside my larger one. Engaging with the service can be manageable if you overlook the various fees involved. They have numerous charges, some of which are quite high, and the legal fees are substantial. Additionally, it's frustrating that the loan is only for a year, requiring an appraisal every year. However, given my limited options, I chose to proceed with them, and it turned out to be beneficial for both parties, albeit with my benefit being smaller. Everyone I interacted with was courteous and supportive.
This service is completely legitimate. As a holder of multiple mortgages through them, I can confirm that the experience has been fair and reasonable. After the mortgage was sold, I took on the responsibility of managing it myself and have developed positive relationships with my clients over the years. I hope this review provides a different and useful perspective.
I cannot recommend this service. They wasted several months of my time, only to provide flimsy excuses and claim my property had no value. Instead of being honest from the start, they prolonged the process and misled me. Their professionalism is lacking, and if you value your time, it's best to avoid them.
This service promises quick assistance, but my experience was far from that. We needed bridge financing and have excellent credit, yet after being told we were approved, I was informed it would take two weeks to access the funds. Who operates like that? It’s frustrating when time is of the essence.
As others have mentioned, do your research before engaging with this service. I explored a small mortgage for debt consolidation and renovations, but the fees were outrageous—$14,000 for a $100k loan at 9%, especially when banks offered better rates. After thorough research, I realized the fees were excessive, and I opted for debt counseling instead.
Make sure to do your research and read reviews before using this service. I was unaware of many details regarding second mortgages and ended up incurring significant fees. My experience resulted in paying back much more than I borrowed. It's essential to explore all your options before making a commitment.
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