American Financing レビュー 

I contacted American Financing about a Home Equity Line of Credit. They showed me a potential deal that looked fine, so they started asking me for a bunch of information about my income, etc., presumably so they could see if I could pay the loan. After I gave them all the paperwork they scheduled a call with me for two or three hours later that day.

As soon as the call started, the agent started speaking very quickly. After a minute or so I heard things like 6% for 30 years. That didn't sound like the terms of a home equity line of credit so I stopped him and asked what he was talking about. He said this was a home refi loan with a cash withdrawal. He said he didn't have "access" to HELOCs in Nevada. They knew where I lived the entire time and could have easily said we can't help you. Instead, just to hear this offer of theirs, they completed a home refi application for me and did a hard credit check. I was furious and told them I don't want anything to do with them.

I thought that was the end of it but about a week later the home loan refi application documents were mailed to me, already completed, with an envelope to send them back the signed docs. I called them and the person who answered said that is just what they do and I don't have to sign them.

This whole company is a joke.i tried to use them to refinance. They used some crackpot appraiser that said my property lost 60k in value in one year. This guy had to redo the appraisal because he completly missed a whole section of land that I owned. Extremely sloppy. The. They charged me 900 dollars for the appraisal redo. Do not use this company.

Outstanding service. Loan process was smooth and quick. All involved were informative and helpful.
They even set up a closing while we were on vacation to expedite the loan as we had requested.

The mortgage specialist we were put in contact with, Lisa Morris @ American Financing, was outstanding! Her expertise and knowledge of the whole real estate financing world really made our decisions effortless. She excelled at communicating with us and answering our questions as we were new to the whole experience of re-financing. I highly recommend her for any mortgaging endeavors!

It has been a great experience working with Lisa Morris, Veronica Hernandez and the American Financing Team. They provided quick, thorough, and friendly service. I highly recommend their services.

I had a great experience working with Dave Smith throughout my loan process. He was knowledgeable, professional, and always willing to answer my questions and explain things clearly. Dave made what could have been a stressful process feel much easier and kept me informed along the way.

I truly appreciate his patience, communication, and dedication to helping me get my loan completed. I would definitely recommend Dave Smith to anyone looking for a mortgage consultant who genuinely cares about his clients!

David Smith is very thorough, communicative, responsive, and gives details as the loan process progresses. David is very pleasant and easy to work with. American Financing is lucky to have him.

We had an excellent experience refinancing our home with American Financing. The entire process was smooth, transparent, and stress-free, thanks to their outstanding communication and professionalism. Dave, our loan officer, took the time to answer all of our questions and made sure we understood every step along the way. We highly recommend American Financing to anyone looking for a trustworthy and knowledgeable mortgage team!

Prompt and attentive. Very good experience.

I wish I could give them a zero rating. I tried this company out and I regret to say I wish I would go a different route. There is a major issue that was overlooked and my family is paying the price while the company states nothing they will do about it. Even though they received the paperwork and can see it in black and white, nothing will be done. Theres no accountability anymore

I've been waiting for answers for literally months. I guess american financing does not want to do business with me. That's okay but I wish they'd let me know. I had to deal with the death in the family and some time away in april But that should not have affected this extreme duration between simple answers. I recently hope this is not that way they Routinely treat customers. I've done business with them in the past and it's been fine. Based on this experience, I certainly cannot recommend them for anything. Grade F minus in my opinion

American Financing was great to work with on our mortgage they are professional and have great customer service.David Smith is one of their best advisors.

David and Jennifer Were very pleasant to work with. They were very fast, explained in detail and I will work with them in the future. Couldnt ask for a better lender.

i FINANCES MY HOUSE WITH AF, AND WAS TOLD THAT WHEN RATES GO DOWN I COULD BE STREAMLINED INTO A LOWER RATE. WHEN I TRIED TO REFINANCE TO A LOWER RATE, THE CLOSING COSTS WERE 18K- WITH GREAT CREDIT, LOW LTV. i WAS TOLD THEY DONT DO STREAMLINING, SO I WAS LIED TO INITIALLY WHEN I CHOSE AF TO DO MY MORTGAGE

If you can't pay cash, don't use this company for financing. The cost of their lease services are outrageous. A $3k purchase costs over $10k.

The team at American Financing is top-notch!! They move quicker than any other lender I've worked with (even around the holidays); the only thing that held me up from closing quicker was my ability to get certain required documents from other sources. Each staff member I dealt with (specifically, David A. Smith and Andrea Wurth) really cared about helping me save money; they were professional, did their due diligence, and were always available to answer questions, all while moving the process swiftly along. Perhaps my favorite moment was when my consultant cheered with me on the phone when he found out I would save over $2,000 in monthly payments! Simply the best experience. Thanks again to everybody!!!

I without a doubt give 5 stars and want to thank Dave and Trina. They absolutely went above and beyond working on the refi and were truly amazing to work with! They were always available for any questions I had and never made me feel like my questions were stupid.

They run a hard credit inquiry and when you can’t answer their call due to being at work, they cancel the process leaving the credit hit on you history. I had an 820 score before, 780 now. Don’t trust any mortgage company that runs a hard check before offering details.

I was told I was preapproved for a refi. Then has the appraiser come out and the appraiser listed 3 items that needed to be completed before he would submit the appraisal. Paint the foundation of the house inside and out, put handrails on my deck which is only 5" off the ground, put handrails on sets of steps that were all within Ohio code, and paint the deck. all of which would cost thousands of dollars. I was refinancing to pay off debt therefore I did not have the money to do those things, so instead of devaluing the house those things needed to be completed. I was forced to cancel the refi and then American Financing sent me the bill $650 for the appraisal because I could not afford to fix what the appraiser stated. Also being a sole proprietor their loan approval people couldn't read a financial statement and know what the difference between a debit and credit to know that you can not have a negative gross sales. They couldn't even bother to pick up the phone and have a conversation with me for me to explain how to read my financial statements, so they declined the loan due to insufficient income. They could look at my previous tax returns to see what I actually made and the I do not have negative income, idiots. After that they denied my loan and I explained my financials to them they asked me if I fixed all the things the appraiser said did I still want to move forward. Can't afford to fix those things so no. Very frustrating and costly experience for not refinancing with them and having to pay for an appraisal that isn't worth the paper it is printed on. American Financing sent me the Appraisal Bill

Loan officer David Smith pulled my credit and days later gave me inaccurate information about my credit profile. He was not knowledgeable. He discussed keeping accounts opened that were already closed. I was approved for a low low home loan but one can only purchase a trailer for the amount that was approved. I never was contacted or received a chance to speak to underwriting to get an experienced explanation of why I was approved for such a low amount. It felt as though I was talking to a car sales man.