eLEND

my husband and I purchased a home and the loan officer name was Corazon and the loan processer name was Kimberly with eLend in New Jersey . we could not have asked for any better customer service . Everything was exactly what we were told from the beginning and both were very easy to talk to and always returned our calls promptly. Also , i love their computer program they use to keep tabs of your loan . it was so easy to navigate. I highly recommend these two ladies to do your purchase and or refinance.
Tim & Angie Crum ( North Carolina )

Don't do business with them. AKA, American Financial Resourses. They screw you around, underwriters keep coming up with excuses of what else is wrong with your property and other requirements you have to pay for that are not mention before proceeding. There are undisclosed fees but they say they tell you everything. That's a LIE. The appraiser that asset management sent us was sneaky and shrewd in the report he submitted. He on purpose did not included contiguous property I own on the report that was to be used for colateral for the loan. Don't use Hower and Associates in Mifflintown PA for appraising of your property.

This was a rip off and I feel robbed.

The appraisal was nearly $1000 and after came up with a list of things to fix and then another $200 to then confirm repairs. This was not disclosed on the onset of initiating of the loan. I am not going to spend thousands of dollars on rush cosmetic repairs for a refinance. They literally want me to replace my carpets, paint the interior walls, replace trim, inside and out, clean the moss off the roof and more. And then more money to confirm repairs. I have refinanced twice before and never had to go through such nonsense. It was more strict then when I initially purchased the place. And more then twice the cost of any other appraisal.

I have emailed them to tell them I will not be paying them more money. This is all nonsense.

I was dreading the idea of re-financing simply because I didn't want to deal with two months of non-stop headaches. But the possibility of shaving a full 1% off my interest rate was too enticing to pass up. A friend recommended that I use Zillow's rate finder to get the best rate possible. I assumed I was going to get stuck with a low-cost, low-service lender, which made the idea of re-financing even less appealing.

Nevertheless, I went online and found eLend. Within 10 minutes, I received an email and a phone call from Francis Iannotta. Not much of a surprise. Most online quote requests result in a quick response. But I was pleasantly surprised by Fran's friendliness and interest in actually learning about my situation. By the end of the day, I had a lending offer, specific instructions for what eLend needed from me, and a time frame of when to expect to close.

Throughout the process, Fran's team was extremely helpful. Sharon Taylor and Jessica Mastriano were on point and very responsive. I can only recall one instance in which I called Sharon seeking an update on my application. Other than that, Sharon and Jessica were constantly updating me on the progress and potential next hurdles.

As one would expect from a company called eLend, virtually everything was taken care of via email and the secure website. I only had to fax one document and that's because I didn't want to manually scan two years of tax returns.

The loan closed on time and with zero surprises in terms of the cash needed to close. On the day of closing, I ran into a slight snag with getting a cashier's check for closing because I use an online bank. Unfortunately, I didn't find out about the problem until 4 pm MST. I called Fran immediately, expecting to get voicemail, but Fran was available and stayed on the phone with me until we had figured out a solution that would definitely work.

Refinancing is not a fun experience, but eLend made it as painless as possible. I am more than satisfied with the personal attention I received from Fran, Sharon and Jessica. And a month into the new loan, I have been satisfied with American Financial Resources. In fact, AFR offers more online capabilities than my old mortgage company that was supposedly a high-service lender.

I highly recommend eLend and I can't say enough about Fran, Sharon, and Jessica.

I chose them over three lenders suggested by seller. They had lowest rate and seemed very streamlined - documents were all being signed through focusing, their web portal made it easy to upload documents, person I started speaking with was friendly and helped answer many many questions.

Once we decided on them it all changed. No more docusign. Every week we would have new "assignments". These consisted of endless email strings with attachments my wife and I would have to print, sign, scan, and email back. Errors were made on their part so most documents had to be resent.

In the end they said they could finance the house unless we were able to come up with an extra $25,000. The same friendly loan officer I spoke with at the beginning hung up after I told him it was unacceptable.

Now have to start the process over again. The seller claims they will no longer use eLEND, but we may even go with different seller.

Run, run away! Honestly, I know the low rate is tempting, but the frustration you will suffer through the entire experience is not worth it. I've never dealt with such unresponsive, unprofessional, uncaring people. At times, I felt like I was being conned because it was just such an unbelievably bad experience. I wondered if they were intentionally drawing it out and not returning my emails for some reason. It was just baffling.

If you still choose to work with eLend, know that you, the CUSTOMER, will have to be the proactive party in this transaction. Know that there will be many emails that go unanswered. Know that even when you provide all of the documentation needed - and quickly - there will be more and more and more information needed. And then needed again, because the old paperwork expired...because the process was taking so long...because they are incompetent.

And also, know that you will not get any sympathy from your originator or processor. They will not care that you are exhausted from the process and deserve answers. And know that likely it will take you contacting their supervisor to get action to finally happen so you can close and move on with your life.

I was considering this company for a loan. I agree with most of these poor reviews. I am just in the process of getting clarification on loan packages, and never received a return call or email after 2 weeks. Communication is very poor!

I am getting tons of emails from this company that I can't seem to unsubscribe from. I have never contacted this company nor do I want to. Due to this type of bombardment of unsolicited emails I would not trust this company.

I am a first time home buyer and I chose Elend to finance my first home. It was a stressful and confusing process but Erika Garcia and Calvin Park helped me through the process and explained it all in detail. I loved the " My Loan Center" portal page, it made the loan process a lot easier, you could basically do the whole loan process online, very convenient. The interest rate is great, too. We closed in a timely manner. I would highly recommend Elend especially, to first time home buyers like myself.

I started my journey with eLend less than 2 months ago and I have to say that I am beyond happy with the service I received from them. My loan officer Corazon Agcaoili was absolutely amazing from beginning to end, her customer service is unmatched for sure! My processor, Erika Garcia was also amazing, answering all of my questions and making sure my loan was successful going through underwriting and every step of the way. These 2 ladies are a huge asset to this company and I am so glad they were there to help me, thank you!