OK i looked at reviews and couldn't find a bad one on this company, well let me tell you a story. My credit not great due to a ch13 filled but then i dismissed it. So i knew going in subprime will be higher rates and such. Well you want to know how much higher, i will save you the wasted time. i was asking to borrow $30k so my offer was $100K, $53k to pay off house $30k to me and $17K to the investor. My house is worth $260k. Yes you read that correct, for loaning me $30K he wanted $17K plus interest. And interest rates you might wonder what they would be well normal rates are near 5% so would assume 6-8 maybe even 10% right, well try 12.625%. So my $530 for 19 more years mortgage would turn into $1287 month for 30 years. There was no Bank involved i was to transfer my insurance (equity included) to an Attorney in Tampa not a Banking institution or mortgage company. Also never asked me about monthly debt or DTI ratio as the goal here is taking equity from desperate people. The worst of the worst here. This was no cash out refinance. Just another greedy American offering to take more.
If anyone out there is stupid enough i will loan you $30K if you give me $200K as collateral plus $17k on top of that plus 12.625%. Sound good, call me. I also have buried treasure but i need $5K to buy a shovel then i will share my treasure with you. I felt people should be warned and these people insulted my intelligence and that doesn't sit well with me. They took me for a fool and a half.
I have worked with Pat Williams of this company for several years. He is experienced, easy to work with, pleasant and honest. I enjoy working with him. He is the best in the business, in my 20 years of working in mortgages. No exaggeration. No one asked me to post this.
I was amazed called on a Saturday and got Dan on phone. He answered all my questions plus gave me golden nuggets to help me reach my goals. We are working toward getting a home and I was fully informed!!! We need more people out here that are genuine about helping others. My husband and I were both very satisfied with the knowledge of home buying and financing that was shared. Our prayers are u hat he continues to be a blessing to many families. Thank you Dan!!
I would like to thank Associates Home Loan and Loan Officer Jimmy Golden for helping me through the process of Refinancing my property
I called and was treated like family. Jimmy did an excellent job finding a loan that fit my needs. A++