No Company as bad. Call Point instead Working with Noah and spruce has truly been the worst business experience of my lifetime. It is an absolute marvel at the level of incompetence, misinformation and out right lying that has taken place. In the past, I have dealt with point, and had a marvelous experience. Dealing with Noah is completely opposite. However if you are in need of missed commitments or constant apologies, Noah is your company.

This was a phenomenal experience This was a phenomenal experience! Working with my agent Sang was care-free and expedient. She was extremely knowledgeable and was always available to answer questions and point me in the right direction so we could get this deal done. As a concept for helping people out financially, I can't say enough about how Noah was able to give me a chance to get out of my bad financial situation due to the Pandemic, and back on my feet and moving forward. Thank you, thank you, thank you from the bottom of my heart, you not only helped me but my family as well.

Shared Equity Option This relatively new financing option can work well, for individuals who can take out a reverse mortgage, but for various reasons, choose not to. In my case I took a $100k option, paid off all my loans, painted inside, and out, put in a new kitchen and remodeled a bath, and still had funds left over. I used the remainder for improving the stock in my business, and I can pay off this equity share, at 10 years, or less, plus equity gain/loss. I think the real benefit of this type of asset share is you maintain control of your house, have money to maintain it, and have options at the end.

Felt like my time was wasted Felt like my time was wasted. Was told to go through the entire application process only to get denied when they already knew the debt to value on the home. Don't see any benefit to using a service with the same qualifications as a standard refinance.

Low Risk If you believe your home value will appreciate well, then Noah is a great choice. We did a lot of research on other companies (Unison and Unlock) and decided to go with Noah because of their 18% APR cap. Especially, if you live in the area where market is doing great, it is a great idea to go with Noah since maximum money they will take from you is the money you borrow plus 18% interest per year. We are very grateful for Sang's professionalism, timeliness, and efficient communication. She is a real gem.