Helping mortgage professionals achieve their clients’ purchase and investment goals, CSC was formed to specialize in alternative income products, such as bank statements, asset … See more
(Translated by Google) If you expect seriousness, speed or professionalism, you will not find it HERE. This works more like a funeral home, perhaps when you are dead and after a long time, you will receive your answer and most likely it is …
I just originated a deal with Acra Lending, it took two weeks, and my Account Executive, Ryan Barrus, helped me structure it supplying the information I needed to be successful with the deal my underwriter Bill Dennis, was amazing, and …
I am a Direct Lender & own Voltage Mortgages and when I am unable to do certain loans in-house I am able to broker loans out. I brokered out 2 blanket loans for 1 client that had 5 properties in 1 loan and 4 properties in the 2nd loan. I …
We have been waiting weeks to close and nothing is happening , it seems they hired very incompetent employees who don’t know what file we are talking about. Avoid at all costs
RUN!!! Do not submit your loans there!!! Horrible experience. They wasted over a month and at the end they can’t do commercial or mix use like they say they can. They don’t know what they are doing over there.
Dealt with a guy named Tommy, terrible communication, unorganized, unprofessional, a total time robber with no regards for you or anyone else he’s dealing with…. Do yourself a favor don’t deal with this company a bunch of hacks….
They hound me with multiple emails daily and will not remove me from the list no matter how many times I have asked… DONT give these hacks ANY information especially your email address!!!!!!!
BEWARE! we lost a lot of time and money with this company, same scenario for everybody, change contract at the last time, ask for impossible conditions. Stay far far away.
I cannot find wire instructions for payment anyplace! Loan docs say customer service that is only open M TO F until 7 pacific. No weekends to get payment in other wise. Can anyone help?
A PLACE THAT CARES AND GETS THE JOB DONE FAST!!
4 DAYS NOTICE FOR HOME LOAN AND CAME THROUGH ALL THE WAY!!
TRUE BLESSING THAT MAKES BUYING A HOME POSSIBLE! …
I would like recognize our AE Tony G and Cheryl for supporting our team for the past few years. We look forward to many more years of productive partnership.
Terrible company to work with. Have people handling loan process with no experience and keep making excuses during process taking 60 days to close a loan. Avoid at all costs.
Fantastic! I have had the pleasure of working with Citadel Servicing for years. Dependable, flexible, and they do what they say they can do! The Ryan Moon team!
Tony and Charyl are awesome to work with and are always willing to assist to get a file to the closing table. Looking forward to closing more files with them.
Horrible experience ran in circles to meet their 20 ridiculous conditions to be declined for reason that made no sense. I moved on approved somewhere else better rate close in 3 weeks less hassle. Horrible Horrible experience beware!!!! If i could give 0 stars i would!
What a joke! They keep losing paperwork sent to them and asking to resend everything. After all the trouble, they have no problem lying and saying that they never received anything. The most unorganized company ever.
Ryan Moon and Lauren Hoppin were amazing to work with!! I had a very tough file and they helped me get it to the finish line with very happy borrowers!! Thank you!!
Great experience, from start to close, our loan originator Sue Kirkland did an excellent job getting us thru the process, Thank You Sue, Beth and all the staff for everything you did, thanks to citadel we are homeowners again!!!!
I do business with Citadel all the time….Chuck Kopel is awesome, he is very helpful and prompt ….we just had another closing and it took 2 weeks. I definitively recommend using Citadel and deal with Chuck
Citadel has provided an amazing customer service, with excellent and efficient turn-arounds. We are extremely happy and looking forward to continue working with Citadel’s team.
Company asks for the same conditions over and over again even after they have been met. Missed closing date due to their non-communication, paid for appraisal which I have no confirmation they actually did and will not refund payment or …
THE WORST LENDER EVER!!! Don’t ever use them in your life they shouldn’t be in business, they took us through HELL for 2 FREAKING MONTHS!!! Everything that everyone is saying here is true please listen and save yourself from heartbreak!
Nightmare! These guys are amateurs. Disorganized, unprofessional and unethical. Their underwriters are petty and don’t understand the business or construction. They dragged their feet, requested ridiculous documents. They wasted everyone’s time and cost me thousands of dollars in delays. DO NOT USE THEM
I had the worst experience of my life with this company, they made me waste a lot of time and money both for me and the people who were going to sell the house, they even asked me for my dog’s vaccinations, I paid them $ 500 for the final …
Worst experience ever. Pushed closing multiple times and ended up being 3 months later than original closing date. Never finished closing with them. Had to switch to different mortgage company.
DO NOT RECOMMEND.
I ONLY work with Chuck Kopel, every time I have a deal that falls out of Conventional or Foreign Nationals, I call Chuck up and he ALWAYS calls back, the guy has been doing this for years and does it old school which means HE CLOSES MY …
This involves Transaction Manager, Andrea Olson, and Account Executive, Eric Do.
Conditional approval with a “counter offering” with a much higher rate than …
After submitting almost all required documentation and a verbal approval, i get a call from Sue (loan processor) stating they are not a perfect match for me since I do not want my husband on the deed. Wow, talk about a waste of time! Thankful i just wasted two days of my time and not 30 days.
Citadel has been a great alternative for my non-prime borrowers. My Rep. is one of the best I’ve ever worked with. He is uber responsive, very knowledgeable of the products and always professional.
Working with Thomas Banning has been a great experience. He’s been nothing but awesome. Thomas has Product knowledge and the ability to put together complex deals. I look forward to building a relationship with him and the rest of the Citadel Team. **Carlos**
Thank you Citadel, especially Charyl and Tony – for all your help on our numerous files we work on together. Charyl is so awesome! Her communication with us on our files really helps get things done and keeps the process moving smoothly.
Have patience and trust in Citadel. They are a wholesaler so communication may seem painfully slow, and the loan process may be longer than 30 days due to coordination with the loan retailer, but stick with them and they will take care of you, they have FAIR deals and terms. Thank you!
I have found in Citadel the opportunity to reach and offer customers i could not thought of before.
Working with Chuck Kopel and the rest of the team, Carla and others is an …
Absolutely a horrible experience working with these people. Its almost like they didn’t want to do the loan but didn’t want to deny it either We kept sending them the same conditions over and over and they would make us wait 3-5 days every …
HORRIBLE! HORRIBLE HORRIBLE It’s approaching 60 days in processing the buyers loan. I have made inquiries on behalf of my client, the sellers and to no avail, nonsense. I have NEVER heard of a LS issuing an CD and on the day of closing , no …
Robert Banning AKA is a liar he told me I was approved and to get a house After a long 2 months of waiting and him making up stories and blaming everone but himself he tells me a week before closing Underwriting denied my loan. I lost my …
Have promised to put up a website since September of last year2018, so that we could do our banking online. Their system is very antiquated & inconvenient. Their customer service is fair. Their responses to legitimate problems take a while …
Acra was great to work with. As a lender that brokered a loan with Ryan I could not ask for a better experience on a crazy loan that was very difficult to complete.
Been working with this company for over a month. Conditions after conditions required and met. Buyer beware of bait and switch tactics by this firm. 20% down became 30% down and then a rejection of the appraisal report they had for …
I am an agent who has a buyer working with Citadel. Buyer has great credit and money but a single mother coming out of a divorce (alimony). We have been trying to close “in the final stages” for the past FOUR weeks. Appraisal was back first …
If I could give 0-stars I would. Not only have I had to file 2 extensions for closing with this company I have also had to call them every hour on the hour to make sure things are moving along. Once I thought we were in the clear, BOOM!!! …
Horrible lender, can not close a loan over 70 days, borrower suffered big loss. Keep update conditions to borrower, escrow and loan officer. Request over two weeks to approve escrow in last minute.Transaction manager attitude is bad.Good luck if you choose this lender!!!
This company SUCKS!! Stay far far away. Run. FASTER!
Been under contract since 12/28/2020. We were due to close on 2/15/21. Delayed 4 times now. They say it will now close on 3/29. I am not holding my breath.
I just love sending my loans to Citadel!! They do niche products, Bank Statement , Stated or Full Doc along with Bad Credit! They are amazing!!! The key is to send in a full file for the quickest approval!! If you have a file you don’t …
This has been the worse experience ver… I have been in the industry for 24 years, I have worked with awesome banks and bad ones too, but this one has no name…. Never again….I do not recomend doing business with them . very bad …
We had a signed loan and had invested thousands into purchasing a property with Citadel servicing our loan. We paid for all of their inspections and other fees, then the very day our signed and completed loan was supposed to fund and finish …
Terrible company. Avoid! I’ve had a terrible experience with them and had to cancel my application. They are not honest and have cost me a lot of time and money. …
I wish I’ve listened to all these reviews before going with these people, We’ve been trying to close for 4 months now. We ended up losing the deal along with our initial hard money deposit. …
After a long, inefficient and challenging process with Citadel, our loan was approved. I previously worked with Stephen Park, who had an attitude and was impatient and rude at times. I appreciate the work of Beth Owens and Jessica Vique, …
Love working with Citadel, Tony G and Charyl are an amazing team. they have saved many of my deals order lenders couldn’t close.
Thank you for helping f our clients !
Citadel makes deals with common sense underwriting and great service! Citadel has been such a valuable partner for my clients and has helped me to close some of the most exciting loan transactions for great buyers who just don`t fit in the …
Ryan with Citadel was great to work with. They helped our client get into a home with a great niche loan product. Ryan was very responsive and solution oriented which I appreciate! I would work with Ryan again for any of our niche loan …
I have been in this industry for over 20 years and this was the worst transaction I’ve ever been involved in. After an appraisal was done and a mandatory BPO ordered by Citadel ($1100 spent between the 2) which both came in over purchase …
This is the worst company to deal with. I’m in the process of selling my home and the closing was delayed 3 days before. I’ve been in contact with them the whole time and requested relief under they cares act. The put a late notice on my …
Zero sense of urgency. Miss stated turn times and never own up to their mistakes. They have no interest in meeting closing dates. If you call for a manager they route you back to the same person that is causing all of the problems. Don’t …
Just horrible to deal with. It’s like they have no idea on what you need for a mortgage and they definitely don’t have systems to make it anything else but horrifically difficult. Steer clear at all costs unless you like having your teeth drilled out with a salt application. Hands down, the NUMBER 1 WORST EXPERIENCE in all my life.
Christina Fairbanks is one of the most responsive and helpful representatives I’ve worked with.
Her processor Charyl is also amazing.
Communication is number one here
we’ve worked with Citadel over the last 2 yrs. Its non prime lending so we “get” the manual UW turn times are not automated …but our clients are super stoked just to have solutions they provided for SE borrowers who need an alternative …
This company is by far the worst lender I have ever worked with. They have a highly unusual process for starters as they require either the title commitment or the appraisal at the time of loan submission. They do not return emails or …
As a mortgage professional, I’ve never seen a worst lender than Citadel. If you want a lender that you call the transaction manager (Nancy Hyunh) and he/she never answer the phone or email, then this is your lender. If you want a lender …
I️ have been a mortgage broker for 20 years. In 2017 I️ was introduced to Citadel Servicing by Susan Gardella, an account executive with Citadel. I️ have since submitted and closed both purchase and refinance transactions. These borrowers …
I’ve closed 3 loans with Citadel over the last 3 months and just submitted a 4th. I feel this is $3 mil in mortgage business that could not have closed elsewhere! All things considered, the rates and terms are fair. They do have their …
Was told I could get a pre-approval with 25% down + closing costs with terms of 6.5%, 5-year hybrid adjustable rate mortgage (terrible terms, but I was desperate due to low 608 credit rating). Then told I need to pay off all my old …
I have really enjoyed working with Acra Lending. Ian Osterland is a great account executive, always helping me answering any questions I may have. Thank you so much for all the hard work!!
My experience with Citadel was great. Communication was on point and they answered all my questions. My scenario wasn’t a loan that could go to a local bank or credit union so we I spoke with Ryan Barras with Citadel, he helped me with all …
If you are an LO looking for a company to fund outside the traditional box for financing options i would advise to avoid Citadel. These guys have managed to bungle and fumble their way through a loan with 25% and mid 800 FICO’s. Citadel …
I had funded one loan with citadel back couple of years ago! it was a true nightmare!!! between the A/E and File Manager and UW was just going around the circle and took forever and long and tedious process, frustration and endless …
Citadel has been very slow on getting my mortgage done. I have had many mortgages. Not one as slow as them. They have showed me no concern what so ever. It’s big business. I will never do business with them ever again. No customer service …
I have been in real estate for many years as an agent and this company is by far the hardest lender I have ever dealt with. Extremely picky, very long under writing process and unprofessional all around. Highly recommend avoiding work with this company.
Christina Fairbanks is one of the best Account Representatives that I have had the pleasure to deal with. She knows all of the programs available and is very knowledgeable about each. I can always reach her when needed. Christina is very …
We’ve been trying to close with them for 3 months now. It just delay after delay. First they say everything is fine, then oops you need another document. Oh no, this one need a notary. Gosh, now the figures are wrong since it’s a new …
I represented a buyer recently who had 45 days to get to closing. I was told that was more than rnough time to get everything to closing on time. The loan adviser was very lazy and didn’t take the settlement deadline serious. He had no …
Good experience with Arce Lending, would definitely recommend them! Shannon Hall was much help and walked us through out each step. She really goes out of her way!
This company was able to fund my loan under difficult circumstances and for that reason I am giving them a few stars. But despite the fact that they have no website with a payment portal and only one brick and mortar location (at least in …
We have been working with Chuck for over a year now and have been able to close numerous loans for our Foreign Nationals clients with decent rates and great service. He’s great to work with and always gets back to you. UW conditions make …
Connie and Andrea at Citadel Servicing Corp. managed my loan extremely well. They communicated items that were missing in order to move forward with our loan.
What made this Loan a little more difficult was the fact our less than perfect …
I had the pleasure of working with Philip and his processor Sherry recently and the transaction could not have been any smoother. I’d definitely recommend them again.
Shannon Hall, my Account Executive, is a true professional, great follow up, knows her products and guidelines, awesome to work with! She’s always offering “out-of-the-box” solutions for my clients! Thanks Shannon!
Stay away from this lender, worst experience of my life. And the AE Jim Koenen never really answers your questions or phone calls, talks in circles and emails you a book. Closing was delayed 2 weeks and borrower had to make 2 trips to US to try to close. Nightmare… thanks Jim (jerk)
This is by far the worst mortgage company I have ever had. They called my work for being 1 day past due on my payment and I wasn’t even late. They had cashed my mortgage payment two weeks prior but, never applied it to my account because my …
Worst mortgage company. Don’t even think considering these people. Worst customer service, worst interest rate. You will end up paying more than 5 times what you are borrowing. Very unprofessional customer service representatives. Teressa …
I called Citadel when I had no where else to turn. We had sold our house, and our loan fell through last minute because of bad credit and late payments. When I thought I had no hope, I called Robert at Citadel and not only was he kind, he …
Fantastic place to work, best comp plan in the business, strongest programs available, and constantly working on improvement – technology, programs, etc etc. …
If I could give less than 1 star, I would. A very unprofessional group of individuals with extremely poor communication and bad practices. Incorrect disclosures provided 3x with no explanation or plan to redo them. Ended up Losing money …
Complete Nightmare! I’m a realtor working with a buyer. Our loan was supposed to close on December 23rd 2020. Here we are February 18th 2021 and still no approval. Loan is in underwriting for the 4-5th time. 100 day closings are …
Acra Lending is my “go to” lender for Investment purchases and refinances. They are super easy to qualify with renta income only. I have been working with my AE Tony G and his processor Lisa. Lisa is super helpful with getting my loans to close.
Horrible company- do not use. They’ve switched mailing addresses for payments twice in the past four (4!) months. We were given less than one week’s notice of the latest address swap – right as our payment was being sent from our bank …
My AE Stephen Smith is by far the best AE I have ever worked with. He is very responsive to my calls and helpful when it comes to structuring loans correctly. Thank you for your support and dedication to me and my clients.
Run! As a matter of fact sprint! This is the slowest most incompetent lending organization I have ever tried to do business with. Horrible is a understatement. From rate increases to slow response time to delaying closing only to give you another rate increase. This company is trash!!!!
Run like hell!!
I am an AE with Acra lending. I have been working here for almost 4 years and have seen nothing but constant efforts to make the company better for the borrowers, the brokers, and the staff. If you are wanting your loans to close, send them to Acra Lending. Let me know what you need and I will get it done for you.
BEWARE! This company is a complete joke and waste of time. I am representing the buyer on a transaction that is supposed to close April 30th. After the initial review they came back saying that my buyer did not have enough credit trade …
Too bad there’s no zero or negative star reviews. I’ve had this loan on one of my homes for 2 years and these people are absolutely unprofessional and unorganized…. now that we finally closed the refinance deal, it amazes me how much of a …
Ryan Barrus is breath of fresh air in our industry. My team and I at Guild Mortgage don’t broker loans out much but every time we have worked with Ryan and his team he always so helpful. Also recently one of their document drawing team …
I love working for Acra. I have worked at Acra for over 7 years. I set the proper expectations for my business partners and they love doing business with us. Tell me – how I can help you fund more loans….
Am very pleased with the programs and service at Acra Lending. I cant say enough about Tony G and Lisa R. They are very knowledgeable, responsive and caring. Conditions are always reasonable and I have closed every single loan submitted. I would recommend!
Their service is so unbelievably bad, I have no adjectives to describe it. Closing was delayed 10 business days, after all required documents were in. Didn’t return calls, didn’t email, they did nothing. …
Christina Fairbanks is an awesome Account Rep who is always pleasant to deal with. I can always reach her when needed. Christina is very personable and kind. I truly love working with her. I’m batting a 1,000 with Christina on getting my loans closed.
If I could give 0 stars, I would. This company funded the mortgage for buyers of our house in Texas. 2 days before scheduled closing, they said the appraisal pictures were blurry and needed to be redone (they had weeks to look at this). …
If I could give this company zero stars, I would. We were supposed to close April 30, we got a 10 day extension and are no closer to closing. I have jumped through every hoop they’ve given me. I have bought a $1700 insurance policy, paid …
I have worked with our AE Tony on multiple transactions and he is always available and helpful. Pleasant on the phone and knows his guidelines well. Lisa Ramirez was out support throughout the transaction and did a great job!
Ryan Barrus has been my account rep with Acra Lending for several years. He and his team have always pulled through in tight crunches to get my loans closed! They have great programs and even better rates! I will use them again!
15 year loan officer here. I rarely broker a loan out, but if and when i do, it will only be to Acre. We recently completed one of the hairiest most difficult files I’ve ever worked on. You name it we dealt with it…and when I say we, I …
The WORST experience of my life! I wish I could give zero stars! My mortgage broker subbed out this company. So I wish I had read the reviews prior to agreeing to them. No one there would take my calls. They said they couldn’t speak to …
My AE, Van Strobel, was excellent! He always answered my calls and addressed all of my concerns. He spoke to the underwriters and made sure Acra could do the loan before making any promises (it was a problematic loan). He came through! …
Acra has one of the best foreign national programs I have ever seen. The process is clear and simple. Stephen Smith is who truly made my transaction easy. Thank you for always communicating and helping me with my client.
Acra Lending offers great programs which have allowed even our most complicated clients to find the financing that better fits their specific needs. They are a competitive company and Alex Smith has been the best account executive we have ever worked with, always willing to help us find solutions and work together as a team!
Working with Acra Lending as been such a pleasure, they make all the steps really easy and enjoyable. Account executive Ian Osterland, has helped me greatly and is always there when needed. Also working with Kellie Bocanegra is amazing, she is extremely helpful. Overall an amazing experience!!
Michael Kirk and Donna Abbo went above and beyond. This market can be difficult for buyers right now, especially buyers that live in another country! That did not stop ACRA lending from getting a Foreign National loan closed within 21 days. …
This mortgage company Acra is very unprofessional. Marcus Myles in Arizona. Do not deal with this person. never returns calls. The team tells you what you wish to hear and does not follow through in a professional matter to get you the …
Horrible lending company. This company approves loans that other lenders will not touch, and because of that fact…. They know you have no other alternatives and they take advantage of that. They have predatory lending practices and I’m …
ACRA was great to work with and my rep Ryan provided excellent customer service! They do difficult loans with ease. I closed a $2mm bank statement loan with them in 28 days. Pay attention to what they request and submit documentation labeled how they ask and closing will be smooth.
I have been in real estate for over 31 years as an agent and an investor having dealt with all types of loan products and lenders. This lender absolutely takes the cake as the WORST and that is saying a lot… They are slow to respond to …
We’ve worked with Acra Lending over the last 2 yrs and our clients are happy with the results. They offer great Investment and Foreign national programs. Alex Smith is the best account executive ever, he and his team have helped us close even the most tough loans we’ve had. Thank you all for that!
I brought a loan to Acra that had been denied elsewhere. Not only did my account executive ensure we would not have a similar problem before I even started, we were able to get this loan done very quickly. Very pleased with how this transaction went through
I just closed my first deal with Acra and happy.
I worked with Jason Sheridan & Carla Boudreau directly and the rest of their Funding team, they were all wonderful. Oregon Escrow Services handle the final smoothly and professionally. Let’s do this again!
I had a very hard loan (refi) to fund and Acra Lending made it happen. It was a manufactured home (real property) investment property. This was not your cookie cutter deal but they made it happen. I am so thankful. The CEO and the team under him are stellar. Highly recommend them. Thank you!
Acra Lending has great alternative loan products to help clients who do not fit into the Conventional loan guidelines. They are terrific to work with! I’ve done many loans with them and have always received excellent results!
My wife and I are so thankful to Philip and Ngoc of Acre Lending for helping us refinance our home before the rates went up. They were so patient and kind in every step of the process as we jump through every hurdle. We want to recommend …
Excellent lender for ITIN Programs if you do your part. The process its only efficient if you cover all your bases. ACRA is my go-to lender for ITIN programs. Good service and outstanding communication with the AE.
No doubt, Anna Jensen is the best rep. I have ever worked with. Always responsive and super helpful. And honestly, we close 100% of our deals. Appreciate all the help!!!
First of all you don’t deal with Arca they will send you to one of there sub loan companies. Jas Singh from Citadel Servicing was extremely rude and unhelpful and if he is indicative of how orca does business I will never do business with them. Arca should really try some quality assurance
DO NOT USE ACRA LENDING. My mother in law utilized Acra Lending to purchase her house and it was a mistake. They have dragged their feet throughout the entire process and have made her life a living he**. Buying and moving into a house is …
Jacob Arko is amazing. He is very knowledgeable, responsive, and professional. His service is unmatched and I really look forward to closing more loans with him.
Just finalized a loan with ACRA and Vince Ramos along with his team made this deal flow with such ease. I can’t thank him enough for the great communication along the way to get this closed! I truly appreciate Vince for his hard work throughout this process!
I don’t know how this place even has 3 stars. If I could leave no starts or negative stars I would. This company has done nothing but caused issued from the start. Took forever, dragged their feet, first we were approved, then we weren’t. …
Worst lender to do a portfolio loan with!! They keep changing staffing and their underwriters repeatedly don’t look thru a file completely then request the EXACT same docs (not just an updated one) that had been sent 2 weeks beforehand. …
Jason Sheridan and Carla Boudreau worked on a very difficult loan and funded it. Process was laborious due to the nature of the loan but Jason and Carla was on top of the transaction. Just funded the loan today 1-5-2023.
Working closely Julie Reis was a fantastic experience. She was available for ANY questions I had for her, all hours of the day. I would definitely recommend her in the future.
Vincent Ramos & Kristen Graves are rockstars! This is the first time we originated a Non-QM Loan and our experince with Acra was nothing but exceptional! Great job Vince & Kristen! – Joe Castro @SupremeLending
Just closed a bank statement loan with Acra Lending and had a very positive experience. Our Account Rep Tracy Brinkley and Account Manager Michelle Marias-Santamaria were always available to answer our questions and get us to the finish …
Julie Reis is one of the best representatives I’ve ever had the pleasure of working with. She goes above and beyond on everything she does, including deals she doesn’t even write herself. I will be sending all my business to her!
Ryan Barrus and along with Trisa @ Acra Lending saved the day for our borrower. Such a unique loan and we were able to get it closed as planned with the builder. Thank you Acra Lending team!
just funded our loan with Acra, really appreciate their hard work, and prompt assistance every time we need help. it was an easy, successful experience. thank you so much.
First time with Acra Lending, and although this was a hard loan to do, Acra was great, and we now have a funded loan! Jason, Carla and their team are awesome to work with!
We chose to work with Acra because of their portfolio of products. We were assigned Paul McDermed and he was great at explaining the processes and helping us understand how to best manage our Non QM business. Thanks Paul!
Great Experience! Great process and amazing support, Daniel and Lauren did an excellent job. The platform, Zero interactive, something in my opinion should be improved, but it work, in the end, a fairly quick and smooth process.
Great working with Davis DeBard at Acra Lending. He was always available for any questions. Allows me to provide my customers with different products to better fit their needs.
The team at Acra got our clients Condo / Hotel loan done in a very fast and smooth process. I would highly recommend Cole Eby and the team at Acra for any loans you need to get done and closed.
I don’t know why I didn’t do my homework better by checking Acra lending low rating before waisting my time through an endless process with them. Acra lending in particular loan officer Cruz is absolutely the worst. They are not …
Stephen Smith is our Wholesale AE with Acra Lending and he is wonderful to work with. He always picks up his phone or calls back timely, responds to emails timely, stays involved to make sure deals move along smoothly, and is very patient …
Just closed the very first Foreign National purchase loan with Acra Lending thanks to great help & support from my AE: Jacob Arko and his team. Due to the lack of my English speaking ability, I forced him to communicate only by email, but, …
Paul McDermed was my AE on a big and difficult but good loan. Underwriting had to look at income in a “non-conventional” way and I was connected to Keith Lind the CEO of Acra who happened to be speaking at an industry meeting that I was at. …
David DeBard & Lisa Rameriz excellent to work with on a complicated loan. They helped every step from start to closing. Davis always upbeat and positive and helped me setup my customers loan and found the best option for her. Thoroughly …
Vincent Ramos handled the first loan that my team brokered to them. He set the correct expectations in the beginning which is important because I have to relay that information to my clients. When we had a question at the very end after the …
i love using Acra lending. and i especially like using Anna my acct exec. her and the team she has are always there for us when we need them. time doesnt stop in our biz so this is very important. highly recommend them
I NEVER write reviews, but I feel compelled to write this and warn people to ever use this lender. We were suppose to close our home on June 27th. They kept pushing back the date for FOUR times. We were almost a MONTH past the first time we …
Thank you, Acra, for helping us get this deal to the finish line. We had private money (underlying debt) that had gone past maturity date & the borrowers were very nervous. I appreciate the creativity & empathy by Acra’s Team ( account …
Did an amazing job closing a difficult investment property loan in less than 30 days! shout out to Reggie Brutus on staying on top of everything and making it happen! He was always available, even after hours. Great communication!
As a mortgage broker I have really appreciated working with Davis Debard as my account rep with Acra Lending. Acra’s submission process for my Non QM bank statement loans is simple and Davis is super responsive. I closed multiple loans …
Before even considering a fix and flip loan with this company, run don’t walk away. Run fast. They are after every dime they can take from their clients and change the conditions of the loan including requirements and conditions of draw …
Completed a simple refinance loan with Acra. Should have only took 2-3 weeks. Thanks to the processor, Brandy, being out of town for 10 days, my file sat idle while I had to pay for a relock on interest rate. Marcus was great to work with as my loan officer but he could only do so much
I am a mortgage broker and just closed my first loan with Acra. What a great experience it was! We had tried unsuccessfully to make the loan work with two prior lenders. Acra was able to get it done! I appreciated the very common-sense …
Another lender dropped the ball for one of my clients, and Acra Lending stepped in and saved the day! It was a very complicated condotel transaction, and the team over at Acra made this client’s transaction a top priority. From constant …
great experience with Acra! Our rep was on it right away, we closed in time and got our customers the best loan for their needs. Processors are very on top of things as well. I really appreciate the team’s work throughout this whole transaction.
My Broker had a loan that had already been submitted to two different NON-QM lenders. At this point it had been 3 months and it seemed the transaction was hopeless for our borrower. I spoke to Ken @ Acra Lending and discussed the complexity …
Absolute worst company ever! I told them right from the start it was important that I know I will be approved for this loan as I was going to sell my house only if I would be able to get into another one. They told me they would have no …
Just finished up a loan closing with Acra and their team provided a smooth and streamlined experience from beginning to end.
We received timely updates during the process and we had clear to close in less …
Acra is a class act. We had an issue with a FEDEX package delay, which caused major issues with getting a loan closed, since the lock was now expired. I contacted the VP of operations to help and she called me back the same day to help …
Ryan and Bill were great to work with! They were so quick to respond to my questions and offer solutions to get my client’s loan to the finish line. My client is extremely happy with the level of service they offered as well. Additionally, …
(Translated by Google) If you expect seriousness, speed or professionalism, you will not find it HERE. This works more like a funeral home, perhaps when you are dead and after a long time, you will receive your answer and most likely it is …
I just originated a deal with Acra Lending, it took two weeks, and my Account Executive, Ryan Barrus, helped me structure it supplying the information I needed to be successful with the deal my underwriter Bill Dennis, was amazing, and …
Lauren and Ryan were able to close one of our loans within FOUR days! They are super responsive, detail oriented, and fast/efficient!
I am a Direct Lender & own Voltage Mortgages and when I am unable to do certain loans in-house I am able to broker loans out. I brokered out 2 blanket loans for 1 client that had 5 properties in 1 loan and 4 properties in the 2nd loan. I …
Please stay away from these people!!
Awesome lending programs for foreigners
Great service, awesome people to work with, super happy to use their service.
This is a lier. Alway find any reason to delay closing.
Horrible lender. They took forever I lost the deal.
he’s always available and helpful. I never get VM
Great products!!
Fantastic company and wonderful people to work with. Keep up the great work.
Horrible company. Secretive, Incompetent, unknowledgeable. If sub-prime is back, it is worse than ever.
Thank you guys for all the hard work and diligence through the process!
Best in the biz for Non QM. The stuff these guys can do is impressive give them a call.
A great company to work for and they take care of their customers!.
Ryan Moon at Citadel is a great partner for providing client solutions.
Absolute worst company I have ever dealt with. 1 Star only because I couldnt leave zero.. …
Very pleasant experience. Rosie and Carla are a great team to work with.
This company is more like a scam and they’re the soul reason of a potential market crash 💥 …
Take over a month to refund me and a long time to process a pay off demand. Do not recommend them.
The worst company I have ever know
The most unprofessional, inaccurate, and ridiculous lender ever! I wish I could give them zero stars.
We have been waiting weeks to close and nothing is happening , it seems they hired very incompetent employees who don’t know what file we are talking about. Avoid at all costs
Great loan products and wonderful team to work with.
RUN!!! Do not submit your loans there!!! Horrible experience. They wasted over a month and at the end they can’t do commercial or mix use like they say they can. They don’t know what they are doing over there.
Dealt with a guy named Tommy, terrible communication, unorganized, unprofessional, a total time robber with no regards for you or anyone else he’s dealing with…. Do yourself a favor don’t deal with this company a bunch of hacks….
Have been working with Citadel and Chuck Kopel for years. Always top notch service and products! Highly recommended!
Alex Smith is the best AE! Closed a foreign national.
They hound me with multiple emails daily and will not remove me from the list no matter how many times I have asked… DONT give these hacks ANY information especially your email address!!!!!!!
Have had very good experiences dealing with them, as long as you understand the product very well up-front.
BEWARE! we lost a lot of time and money with this company, same scenario for everybody, change contract at the last time, ask for impossible conditions. Stay far far away.
i have been working with jas and he has been on point and very helpful, everything has been moving along nicely, communication is great.
I cannot find wire instructions for payment anyplace! Loan docs say customer service that is only open M TO F until 7 pacific. No weekends to get payment in other wise. Can anyone help?
A PLACE THAT CARES AND GETS THE JOB DONE FAST!!
4 DAYS NOTICE FOR HOME LOAN AND CAME THROUGH ALL THE WAY!!
TRUE BLESSING THAT MAKES BUYING A HOME POSSIBLE! …
Awesome company to work with!! Both Jen and Ryan are the best to work with and makes the process so easy and smooth! Highly recommend them!!!
I would like recognize our AE Tony G and Cheryl for supporting our team for the past few years. We look forward to many more years of productive partnership.
The greatest Non QM lender in the nation!
Terrible company to work with. Have people handling loan process with no experience and keep making excuses during process taking 60 days to close a loan. Avoid at all costs.
Nick Harvey and Lauren Hoppin offer not only excellent programs but top notch customer service – will definitely be doing more business in the future.
Worst mortgage experience I’ve had. They take long to send a payoff and take over a month to refund over payments. Stay away from this lazy company.
Fantastic! I have had the pleasure of working with Citadel Servicing for years. Dependable, flexible, and they do what they say they can do! The Ryan Moon team!
I’d leave a 0 star if I could. These people refuse to communicate about a file that was due to close 2 weeks ago. Zero effort = Zero Stars.
Tony and Charyl are awesome to work with and are always willing to assist to get a file to the closing table. Looking forward to closing more files with them.
Horrible experience ran in circles to meet their 20 ridiculous conditions to be declined for reason that made no sense. I moved on approved somewhere else better rate close in 3 weeks less hassle. Horrible Horrible experience beware!!!! If i could give 0 stars i would!
What a joke! They keep losing paperwork sent to them and asking to resend everything. After all the trouble, they have no problem lying and saying that they never received anything. The most unorganized company ever.
Ryan Moon and Lauren Hoppin were amazing to work with!! I had a very tough file and they helped me get it to the finish line with very happy borrowers!! Thank you!!
Great experience, from start to close, our loan originator Sue Kirkland did an excellent job getting us thru the process, Thank You Sue, Beth and all the staff for everything you did, thanks to citadel we are homeowners again!!!!
I do business with Citadel all the time….Chuck Kopel is awesome, he is very helpful and prompt ….we just had another closing and it took 2 weeks. I definitively recommend using Citadel and deal with Chuck
Citadel has provided an amazing customer service, with excellent and efficient turn-arounds. We are extremely happy and looking forward to continue working with Citadel’s team.
Company asks for the same conditions over and over again even after they have been met. Missed closing date due to their non-communication, paid for appraisal which I have no confirmation they actually did and will not refund payment or …
THE WORST LENDER EVER!!! Don’t ever use them in your life they shouldn’t be in business, they took us through HELL for 2 FREAKING MONTHS!!! Everything that everyone is saying here is true please listen and save yourself from heartbreak!
The lender offers great loan products and the process is easier comparing to other “non QM lenders” Great rates for ITIN loan products!
Nightmare! These guys are amateurs. Disorganized, unprofessional and unethical. Their underwriters are petty and don’t understand the business or construction. They dragged their feet, requested ridiculous documents. They wasted everyone’s time and cost me thousands of dollars in delays. DO NOT USE THEM
Jose Gonzalez is one of the best account execs I’ve worked with in my career. Great communication and very knowledgeable. Citadel is lucky to have him
I had the worst experience of my life with this company, they made me waste a lot of time and money both for me and the people who were going to sell the house, they even asked me for my dog’s vaccinations, I paid them $ 500 for the final …
Worst experience ever. Pushed closing multiple times and ended up being 3 months later than original closing date. Never finished closing with them. Had to switch to different mortgage company.
DO NOT RECOMMEND.
I ONLY work with Chuck Kopel, every time I have a deal that falls out of Conventional or Foreign Nationals, I call Chuck up and he ALWAYS calls back, the guy has been doing this for years and does it old school which means HE CLOSES MY …
This involves Transaction Manager, Andrea Olson, and Account Executive, Eric Do.
Conditional approval with a “counter offering” with a much higher rate than …
After submitting almost all required documentation and a verbal approval, i get a call from Sue (loan processor) stating they are not a perfect match for me since I do not want my husband on the deed. Wow, talk about a waste of time! Thankful i just wasted two days of my time and not 30 days.
I will continue to use Arca lending because of their good team and service to help my clients get approved to fund their loan.
We were able to expedite our file when it mattered the most, that gave me and the borrower an extra level of confidence in Acra!
Citadel has been a great alternative for my non-prime borrowers. My Rep. is one of the best I’ve ever worked with. He is uber responsive, very knowledgeable of the products and always professional.
This company is an absolute joke. No communication. Loan has been delayed for weeks….zero integrity to get loans closed on time.
Working with Thomas Banning has been a great experience. He’s been nothing but awesome. Thomas has Product knowledge and the ability to put together complex deals. I look forward to building a relationship with him and the rest of the Citadel Team. **Carlos**
Thank you Citadel, especially Charyl and Tony – for all your help on our numerous files we work on together. Charyl is so awesome! Her communication with us on our files really helps get things done and keeps the process moving smoothly.
Have patience and trust in Citadel. They are a wholesaler so communication may seem painfully slow, and the loan process may be longer than 30 days due to coordination with the loan retailer, but stick with them and they will take care of you, they have FAIR deals and terms. Thank you!
Acra is perhaps the most can-do lender out there today. They can finance some of the toughest deals and have a common sense approach to lending.
I have found in Citadel the opportunity to reach and offer customers i could not thought of before.
Working with Chuck Kopel and the rest of the team, Carla and others is an …
Absolutely a horrible experience working with these people. Its almost like they didn’t want to do the loan but didn’t want to deny it either We kept sending them the same conditions over and over and they would make us wait 3-5 days every …
HORRIBLE! HORRIBLE HORRIBLE It’s approaching 60 days in processing the buyers loan. I have made inquiries on behalf of my client, the sellers and to no avail, nonsense. I have NEVER heard of a LS issuing an CD and on the day of closing , no …
Robert Banning AKA is a liar he told me I was approved and to get a house After a long 2 months of waiting and him making up stories and blaming everone but himself he tells me a week before closing Underwriting denied my loan. I lost my …
Have promised to put up a website since September of last year2018, so that we could do our banking online. Their system is very antiquated & inconvenient. Their customer service is fair. Their responses to legitimate problems take a while …
Acra was great to work with. As a lender that brokered a loan with Ryan I could not ask for a better experience on a crazy loan that was very difficult to complete.
Been working with this company for over a month. Conditions after conditions required and met. Buyer beware of bait and switch tactics by this firm. 20% down became 30% down and then a rejection of the appraisal report they had for …
I am an agent who has a buyer working with Citadel. Buyer has great credit and money but a single mother coming out of a divorce (alimony). We have been trying to close “in the final stages” for the past FOUR weeks. Appraisal was back first …
If I could give 0-stars I would. Not only have I had to file 2 extensions for closing with this company I have also had to call them every hour on the hour to make sure things are moving along. Once I thought we were in the clear, BOOM!!! …
Horrible lender, can not close a loan over 70 days, borrower suffered big loss. Keep update conditions to borrower, escrow and loan officer. Request over two weeks to approve escrow in last minute.Transaction manager attitude is bad.Good luck if you choose this lender!!!
This company SUCKS!! Stay far far away. Run. FASTER!
Been under contract since 12/28/2020. We were due to close on 2/15/21. Delayed 4 times now. They say it will now close on 3/29. I am not holding my breath.
I just love sending my loans to Citadel!! They do niche products, Bank Statement , Stated or Full Doc along with Bad Credit! They are amazing!!! The key is to send in a full file for the quickest approval!! If you have a file you don’t …
This has been the worse experience ver… I have been in the industry for 24 years, I have worked with awesome banks and bad ones too, but this one has no name…. Never again….I do not recomend doing business with them . very bad …
We had a signed loan and had invested thousands into purchasing a property with Citadel servicing our loan. We paid for all of their inspections and other fees, then the very day our signed and completed loan was supposed to fund and finish …
Terrible company. Avoid! I’ve had a terrible experience with them and had to cancel my application. They are not honest and have cost me a lot of time and money. …
I wish I’ve listened to all these reviews before going with these people, We’ve been trying to close for 4 months now. We ended up losing the deal along with our initial hard money deposit. …
David was a great help throughout the process, he was always attentive that everything went on time and in the best way. …
After a long, inefficient and challenging process with Citadel, our loan was approved. I previously worked with Stephen Park, who had an attitude and was impatient and rude at times. I appreciate the work of Beth Owens and Jessica Vique, …
Love working with Citadel, Tony G and Charyl are an amazing team. they have saved many of my deals order lenders couldn’t close.
Thank you for helping f our clients !
Citadel makes deals with common sense underwriting and great service! Citadel has been such a valuable partner for my clients and has helped me to close some of the most exciting loan transactions for great buyers who just don`t fit in the …
Ryan with Citadel was great to work with. They helped our client get into a home with a great niche loan product. Ryan was very responsive and solution oriented which I appreciate! I would work with Ryan again for any of our niche loan …
I have been in this industry for over 20 years and this was the worst transaction I’ve ever been involved in. After an appraisal was done and a mandatory BPO ordered by Citadel ($1100 spent between the 2) which both came in over purchase …
I’d leave 0 stars if I could! Puts off clients and is just absolutely trash
This is the worst company to deal with. I’m in the process of selling my home and the closing was delayed 3 days before. I’ve been in contact with them the whole time and requested relief under they cares act. The put a late notice on my …
This operation is completely incompetent.
This loan was approved for closing and lenders instructions went out for the …
Zero sense of urgency. Miss stated turn times and never own up to their mistakes. They have no interest in meeting closing dates. If you call for a manager they route you back to the same person that is causing all of the problems. Don’t …
Just horrible to deal with. It’s like they have no idea on what you need for a mortgage and they definitely don’t have systems to make it anything else but horrifically difficult. Steer clear at all costs unless you like having your teeth drilled out with a salt application. Hands down, the NUMBER 1 WORST EXPERIENCE in all my life.
Christina Fairbanks is one of the most responsive and helpful representatives I’ve worked with.
Her processor Charyl is also amazing.
Communication is number one here
we’ve worked with Citadel over the last 2 yrs. Its non prime lending so we “get” the manual UW turn times are not automated …but our clients are super stoked just to have solutions they provided for SE borrowers who need an alternative …
This company is by far the worst lender I have ever worked with. They have a highly unusual process for starters as they require either the title commitment or the appraisal at the time of loan submission. They do not return emails or …
Awesome group of people at the Atlanta location!! Very informative, polite, honest, and great customer service!!
As a mortgage professional, I’ve never seen a worst lender than Citadel. If you want a lender that you call the transaction manager (Nancy Hyunh) and he/she never answer the phone or email, then this is your lender. If you want a lender …
awesome turn times…closed in 18 days. came up with a solution when another lender failed.
I️ have been a mortgage broker for 20 years. In 2017 I️ was introduced to Citadel Servicing by Susan Gardella, an account executive with Citadel. I️ have since submitted and closed both purchase and refinance transactions. These borrowers …
I’ve closed 3 loans with Citadel over the last 3 months and just submitted a 4th. I feel this is $3 mil in mortgage business that could not have closed elsewhere! All things considered, the rates and terms are fair. They do have their …
Was told I could get a pre-approval with 25% down + closing costs with terms of 6.5%, 5-year hybrid adjustable rate mortgage (terrible terms, but I was desperate due to low 608 credit rating). Then told I need to pay off all my old …
I have really enjoyed working with Acra Lending. Ian Osterland is a great account executive, always helping me answering any questions I may have. Thank you so much for all the hard work!!
My experience with Citadel was great. Communication was on point and they answered all my questions. My scenario wasn’t a loan that could go to a local bank or credit union so we I spoke with Ryan Barras with Citadel, he helped me with all …
If you are an LO looking for a company to fund outside the traditional box for financing options i would advise to avoid Citadel. These guys have managed to bungle and fumble their way through a loan with 25% and mid 800 FICO’s. Citadel …
I had funded one loan with citadel back couple of years ago! it was a true nightmare!!! between the A/E and File Manager and UW was just going around the circle and took forever and long and tedious process, frustration and endless …
Citadel has been very slow on getting my mortgage done. I have had many mortgages. Not one as slow as them. They have showed me no concern what so ever. It’s big business. I will never do business with them ever again. No customer service …
I have been in real estate for many years as an agent and this company is by far the hardest lender I have ever dealt with. Extremely picky, very long under writing process and unprofessional all around. Highly recommend avoiding work with this company.
Christina Fairbanks is one of the best Account Representatives that I have had the pleasure to deal with. She knows all of the programs available and is very knowledgeable about each. I can always reach her when needed. Christina is very …
We’ve been trying to close with them for 3 months now. It just delay after delay. First they say everything is fine, then oops you need another document. Oh no, this one need a notary. Gosh, now the figures are wrong since it’s a new …
I represented a buyer recently who had 45 days to get to closing. I was told that was more than rnough time to get everything to closing on time. The loan adviser was very lazy and didn’t take the settlement deadline serious. He had no …
Good experience with Arce Lending, would definitely recommend them! Shannon Hall was much help and walked us through out each step. She really goes out of her way!
This company was able to fund my loan under difficult circumstances and for that reason I am giving them a few stars. But despite the fact that they have no website with a payment portal and only one brick and mortar location (at least in …
We have been working with Chuck for over a year now and have been able to close numerous loans for our Foreign Nationals clients with decent rates and great service. He’s great to work with and always gets back to you. UW conditions make …
Slow and unprofessional. Made us wait 6 hours at the closing date and didn’t fund on time. Didn’t reply to multiple phone calls and emails.
Here’s my review.
From the very beginning this was a night mare! One thing after another! This has …
Connie and Andrea at Citadel Servicing Corp. managed my loan extremely well. They communicated items that were missing in order to move forward with our loan.
What made this Loan a little more difficult was the fact our less than perfect …
I had the pleasure of working with Philip and his processor Sherry recently and the transaction could not have been any smoother. I’d definitely recommend them again.
Shannon Hall, my Account Executive, is a true professional, great follow up, knows her products and guidelines, awesome to work with! She’s always offering “out-of-the-box” solutions for my clients! Thanks Shannon!
Stay away from this lender, worst experience of my life. And the AE Jim Koenen never really answers your questions or phone calls, talks in circles and emails you a book. Closing was delayed 2 weeks and borrower had to make 2 trips to US to try to close. Nightmare… thanks Jim (jerk)
This is by far the worst mortgage company I have ever had. They called my work for being 1 day past due on my payment and I wasn’t even late. They had cashed my mortgage payment two weeks prior but, never applied it to my account because my …
Worst mortgage company. Don’t even think considering these people. Worst customer service, worst interest rate. You will end up paying more than 5 times what you are borrowing. Very unprofessional customer service representatives. Teressa …
I called Citadel when I had no where else to turn. We had sold our house, and our loan fell through last minute because of bad credit and late payments. When I thought I had no hope, I called Robert at Citadel and not only was he kind, he …
Fantastic place to work, best comp plan in the business, strongest programs available, and constantly working on improvement – technology, programs, etc etc. …
If I could give less than 1 star, I would. A very unprofessional group of individuals with extremely poor communication and bad practices. Incorrect disclosures provided 3x with no explanation or plan to redo them. Ended up Losing money …
Complete Nightmare! I’m a realtor working with a buyer. Our loan was supposed to close on December 23rd 2020. Here we are February 18th 2021 and still no approval. Loan is in underwriting for the 4-5th time. 100 day closings are …
Acra Lending is my “go to” lender for Investment purchases and refinances. They are super easy to qualify with renta income only. I have been working with my AE Tony G and his processor Lisa. Lisa is super helpful with getting my loans to close.
Horrible company- do not use. They’ve switched mailing addresses for payments twice in the past four (4!) months. We were given less than one week’s notice of the latest address swap – right as our payment was being sent from our bank …
My AE Stephen Smith is by far the best AE I have ever worked with. He is very responsive to my calls and helpful when it comes to structuring loans correctly. Thank you for your support and dedication to me and my clients.
Run! As a matter of fact sprint! This is the slowest most incompetent lending organization I have ever tried to do business with. Horrible is a understatement. From rate increases to slow response time to delaying closing only to give you another rate increase. This company is trash!!!!
Run like hell!!
I am an AE with Acra lending. I have been working here for almost 4 years and have seen nothing but constant efforts to make the company better for the borrowers, the brokers, and the staff. If you are wanting your loans to close, send them to Acra Lending. Let me know what you need and I will get it done for you.
BEWARE! This company is a complete joke and waste of time. I am representing the buyer on a transaction that is supposed to close April 30th. After the initial review they came back saying that my buyer did not have enough credit trade …
Too bad there’s no zero or negative star reviews. I’ve had this loan on one of my homes for 2 years and these people are absolutely unprofessional and unorganized…. now that we finally closed the refinance deal, it amazes me how much of a …
Ryan Barrus is breath of fresh air in our industry. My team and I at Guild Mortgage don’t broker loans out much but every time we have worked with Ryan and his team he always so helpful. Also recently one of their document drawing team …
I love working for Acra. I have worked at Acra for over 7 years. I set the proper expectations for my business partners and they love doing business with us. Tell me – how I can help you fund more loans….
Am very pleased with the programs and service at Acra Lending. I cant say enough about Tony G and Lisa R. They are very knowledgeable, responsive and caring. Conditions are always reasonable and I have closed every single loan submitted. I would recommend!
Their service is so unbelievably bad, I have no adjectives to describe it. Closing was delayed 10 business days, after all required documents were in. Didn’t return calls, didn’t email, they did nothing. …
Christina Fairbanks is an awesome Account Rep who is always pleasant to deal with. I can always reach her when needed. Christina is very personable and kind. I truly love working with her. I’m batting a 1,000 with Christina on getting my loans closed.
If I could give 0 stars, I would. This company funded the mortgage for buyers of our house in Texas. 2 days before scheduled closing, they said the appraisal pictures were blurry and needed to be redone (they had weeks to look at this). …
If I could give this company zero stars, I would. We were supposed to close April 30, we got a 10 day extension and are no closer to closing. I have jumped through every hoop they’ve given me. I have bought a $1700 insurance policy, paid …
I have worked with our AE Tony on multiple transactions and he is always available and helpful. Pleasant on the phone and knows his guidelines well. Lisa Ramirez was out support throughout the transaction and did a great job!
Ryan Barrus has been my account rep with Acra Lending for several years. He and his team have always pulled through in tight crunches to get my loans closed! They have great programs and even better rates! I will use them again!
15 year loan officer here. I rarely broker a loan out, but if and when i do, it will only be to Acre. We recently completed one of the hairiest most difficult files I’ve ever worked on. You name it we dealt with it…and when I say we, I …
The WORST experience of my life! I wish I could give zero stars! My mortgage broker subbed out this company. So I wish I had read the reviews prior to agreeing to them. No one there would take my calls. They said they couldn’t speak to …
My AE, Van Strobel, was excellent! He always answered my calls and addressed all of my concerns. He spoke to the underwriters and made sure Acra could do the loan before making any promises (it was a problematic loan). He came through! …
Acra has one of the best foreign national programs I have ever seen. The process is clear and simple. Stephen Smith is who truly made my transaction easy. Thank you for always communicating and helping me with my client.
Acra Lending offers great programs which have allowed even our most complicated clients to find the financing that better fits their specific needs. They are a competitive company and Alex Smith has been the best account executive we have ever worked with, always willing to help us find solutions and work together as a team!
Working with Acra Lending as been such a pleasure, they make all the steps really easy and enjoyable. Account executive Ian Osterland, has helped me greatly and is always there when needed. Also working with Kellie Bocanegra is amazing, she is extremely helpful. Overall an amazing experience!!
Michael Kirk and Donna Abbo went above and beyond. This market can be difficult for buyers right now, especially buyers that live in another country! That did not stop ACRA lending from getting a Foreign National loan closed within 21 days. …
This mortgage company Acra is very unprofessional. Marcus Myles in Arizona. Do not deal with this person. never returns calls. The team tells you what you wish to hear and does not follow through in a professional matter to get you the …
Horrible lending company. This company approves loans that other lenders will not touch, and because of that fact…. They know you have no other alternatives and they take advantage of that. They have predatory lending practices and I’m …
ACRA was great to work with and my rep Ryan provided excellent customer service! They do difficult loans with ease. I closed a $2mm bank statement loan with them in 28 days. Pay attention to what they request and submit documentation labeled how they ask and closing will be smooth.
I have been in real estate for over 31 years as an agent and an investor having dealt with all types of loan products and lenders. This lender absolutely takes the cake as the WORST and that is saying a lot… They are slow to respond to …
We’ve worked with Acra Lending over the last 2 yrs and our clients are happy with the results. They offer great Investment and Foreign national programs. Alex Smith is the best account executive ever, he and his team have helped us close even the most tough loans we’ve had. Thank you all for that!
Anna Jensen is amazing. Always answers the phone. Willing to help find solutions. I would recommend her and her team any day!!!!
I brought a loan to Acra that had been denied elsewhere. Not only did my account executive ensure we would not have a similar problem before I even started, we were able to get this loan done very quickly. Very pleased with how this transaction went through
I just closed my first deal with Acra and happy.
I worked with Jason Sheridan & Carla Boudreau directly and the rest of their Funding team, they were all wonderful. Oregon Escrow Services handle the final smoothly and professionally. Let’s do this again!
I had a very hard loan (refi) to fund and Acra Lending made it happen. It was a manufactured home (real property) investment property. This was not your cookie cutter deal but they made it happen. I am so thankful. The CEO and the team under him are stellar. Highly recommend them. Thank you!
Great experience with all of Non-QM needs! Tracy and Team Brinkley knocked it out of the park with a quick and efficient closing.
Acra Lending has great alternative loan products to help clients who do not fit into the Conventional loan guidelines. They are terrific to work with! I’ve done many loans with them and have always received excellent results!
Tracy B and her team are awesome. We love working with them for our clients!
My wife and I are so thankful to Philip and Ngoc of Acre Lending for helping us refinance our home before the rates went up. They were so patient and kind in every step of the process as we jump through every hurdle. We want to recommend …
Best Non QM lender out there, with the best products and staff. Underwriting is a breeze 🙂 They are my NON QM lender to go to.
Excellent lender for ITIN Programs if you do your part. The process its only efficient if you cover all your bases. ACRA is my go-to lender for ITIN programs. Good service and outstanding communication with the AE.
No doubt, Anna Jensen is the best rep. I have ever worked with. Always responsive and super helpful. And honestly, we close 100% of our deals. Appreciate all the help!!!
First of all you don’t deal with Arca they will send you to one of there sub loan companies. Jas Singh from Citadel Servicing was extremely rude and unhelpful and if he is indicative of how orca does business I will never do business with them. Arca should really try some quality assurance
DO NOT USE ACRA LENDING. My mother in law utilized Acra Lending to purchase her house and it was a mistake. They have dragged their feet throughout the entire process and have made her life a living he**. Buying and moving into a house is …
Jacob Arko is amazing. He is very knowledgeable, responsive, and professional. His service is unmatched and I really look forward to closing more loans with him.
Just finalized a loan with ACRA and Vince Ramos along with his team made this deal flow with such ease. I can’t thank him enough for the great communication along the way to get this closed! I truly appreciate Vince for his hard work throughout this process!
I don’t know how this place even has 3 stars. If I could leave no starts or negative stars I would. This company has done nothing but caused issued from the start. Took forever, dragged their feet, first we were approved, then we weren’t. …
Worst lender to do a portfolio loan with!! They keep changing staffing and their underwriters repeatedly don’t look thru a file completely then request the EXACT same docs (not just an updated one) that had been sent 2 weeks beforehand. …
Jason Sheridan and Carla Boudreau worked on a very difficult loan and funded it. Process was laborious due to the nature of the loan but Jason and Carla was on top of the transaction. Just funded the loan today 1-5-2023.
Working closely Julie Reis was a fantastic experience. She was available for ANY questions I had for her, all hours of the day. I would definitely recommend her in the future.
Vince Ramos was the best! Prompt, patient and complete communication across several time zones. Will use his services again and highly recommend.
Vincent Ramos & Kristen Graves are rockstars! This is the first time we originated a Non-QM Loan and our experince with Acra was nothing but exceptional! Great job Vince & Kristen! – Joe Castro @SupremeLending
Just closed a bank statement loan with Acra Lending and had a very positive experience. Our Account Rep Tracy Brinkley and Account Manager Michelle Marias-Santamaria were always available to answer our questions and get us to the finish …
Julie Reis is one of the best representatives I’ve ever had the pleasure of working with. She goes above and beyond on everything she does, including deals she doesn’t even write herself. I will be sending all my business to her!
Ryan Barrus and along with Trisa @ Acra Lending saved the day for our borrower. Such a unique loan and we were able to get it closed as planned with the builder. Thank you Acra Lending team!
just funded our loan with Acra, really appreciate their hard work, and prompt assistance every time we need help. it was an easy, successful experience. thank you so much.
First time with Acra Lending, and although this was a hard loan to do, Acra was great, and we now have a funded loan! Jason, Carla and their team are awesome to work with!
We chose to work with Acra because of their portfolio of products. We were assigned Paul McDermed and he was great at explaining the processes and helping us understand how to best manage our Non QM business. Thanks Paul!
Great Experience! Great process and amazing support, Daniel and Lauren did an excellent job. The platform, Zero interactive, something in my opinion should be improved, but it work, in the end, a fairly quick and smooth process.
Great working with Davis DeBard at Acra Lending. He was always available for any questions. Allows me to provide my customers with different products to better fit their needs.
The team at Acra got our clients Condo / Hotel loan done in a very fast and smooth process. I would highly recommend Cole Eby and the team at Acra for any loans you need to get done and closed.
I don’t know why I didn’t do my homework better by checking Acra lending low rating before waisting my time through an endless process with them. Acra lending in particular loan officer Cruz is absolutely the worst. They are not …
Stephen Smith is our Wholesale AE with Acra Lending and he is wonderful to work with. He always picks up his phone or calls back timely, responds to emails timely, stays involved to make sure deals move along smoothly, and is very patient …
Just closed the very first Foreign National purchase loan with Acra Lending thanks to great help & support from my AE: Jacob Arko and his team. Due to the lack of my English speaking ability, I forced him to communicate only by email, but, …
Paul McDermed was my AE on a big and difficult but good loan. Underwriting had to look at income in a “non-conventional” way and I was connected to Keith Lind the CEO of Acra who happened to be speaking at an industry meeting that I was at. …
David DeBard & Lisa Rameriz excellent to work with on a complicated loan. They helped every step from start to closing. Davis always upbeat and positive and helped me setup my customers loan and found the best option for her. Thoroughly …
Vincent Ramos handled the first loan that my team brokered to them. He set the correct expectations in the beginning which is important because I have to relay that information to my clients. When we had a question at the very end after the …
i love using Acra lending. and i especially like using Anna my acct exec. her and the team she has are always there for us when we need them. time doesnt stop in our biz so this is very important. highly recommend them
I NEVER write reviews, but I feel compelled to write this and warn people to ever use this lender. We were suppose to close our home on June 27th. They kept pushing back the date for FOUR times. We were almost a MONTH past the first time we …
Working with Reggie is like a breeze. He is very easy to work with and always make sure all the conditions got cleared before funding. …
Thank you, Acra, for helping us get this deal to the finish line. We had private money (underlying debt) that had gone past maturity date & the borrowers were very nervous. I appreciate the creativity & empathy by Acra’s Team ( account …
Did an amazing job closing a difficult investment property loan in less than 30 days! shout out to Reggie Brutus on staying on top of everything and making it happen! He was always available, even after hours. Great communication!
As a mortgage broker I have really appreciated working with Davis Debard as my account rep with Acra Lending. Acra’s submission process for my Non QM bank statement loans is simple and Davis is super responsive. I closed multiple loans …
Before even considering a fix and flip loan with this company, run don’t walk away. Run fast. They are after every dime they can take from their clients and change the conditions of the loan including requirements and conditions of draw …
Completed a simple refinance loan with Acra. Should have only took 2-3 weeks. Thanks to the processor, Brandy, being out of town for 10 days, my file sat idle while I had to pay for a relock on interest rate. Marcus was great to work with as my loan officer but he could only do so much
I am a mortgage broker and just closed my first loan with Acra. What a great experience it was! We had tried unsuccessfully to make the loan work with two prior lenders. Acra was able to get it done! I appreciated the very common-sense …
Another lender dropped the ball for one of my clients, and Acra Lending stepped in and saved the day! It was a very complicated condotel transaction, and the team over at Acra made this client’s transaction a top priority. From constant …
great experience with Acra! Our rep was on it right away, we closed in time and got our customers the best loan for their needs. Processors are very on top of things as well. I really appreciate the team’s work throughout this whole transaction.
My Broker had a loan that had already been submitted to two different NON-QM lenders. At this point it had been 3 months and it seemed the transaction was hopeless for our borrower. I spoke to Ken @ Acra Lending and discussed the complexity …
Absolute worst company ever! I told them right from the start it was important that I know I will be approved for this loan as I was going to sell my house only if I would be able to get into another one. They told me they would have no …
Just finished up a loan closing with Acra and their team provided a smooth and streamlined experience from beginning to end.
We received timely updates during the process and we had clear to close in less …
Acra is a class act. We had an issue with a FEDEX package delay, which caused major issues with getting a loan closed, since the lock was now expired. I contacted the VP of operations to help and she called me back the same day to help …
Ryan and Bill were great to work with! They were so quick to respond to my questions and offer solutions to get my client’s loan to the finish line. My client is extremely happy with the level of service they offered as well. Additionally, …