Bait and Switch Bait and Switch. They sent a term sheet which was actually downright attractive so I paid the $197 application fee. The term sheet they THEN gave me for my loan was nothing like the one they baited me with and they were totally unworkable for my deal. It looked it was for someone else's loan There were also fees that I saw disclosed for the first time. They have a link for requests for refunds/customer services. Still, after 2 inquiries, not even an acknowledgement that there was an issue. Anyone can go to their website and generate a Proof of Funds for $14.97. Embarrassing, because my seller did exactly that, without any of my loan details, and generated the exact same letter I had given to him. They took and took and returned absolutely nothing of value. Lessons learned: gold cross = red flag, "have a blessed day" = "see ya"

The greatest lending. Group I have dealt with in a long time ! These guys where the most efficient and effective group I have dealt with in years. Their communication was top of the line they answered all of my questions and made the entire process seamless and simple and I definitely look forward. To greatly working with The team at COGO for a long time. Thank you guys so much !!

Con Artists Their entire sales team engages in Bait and Switch tactics including their leadership team. Over promise and under deliver most of the time that creates lots of tension. People go on vacation and don’t care about your construction draw or any email that is sent whatsoever. Plenty of other lenders out there to work with. My recommendation is: RUN AWAY from this company. FAST

I am a new broker I am a new broker. This was the first of what i hope will be many loans closed. The process was pretty simple. The client experienced frustrations with paperwork and underwriting process, but nothing major. Clients were ultimately happy and as they have several more properties i look forward to working with them on a repeat borrower basis. Thanks for the support Kyra Clossin, you rock.

Friendly, Helpful & Professional The entire staff at COGO Capital was genuinely friendly and helpful. They made the loan acquisition process smooth and easy. They're always available to answer any questions as well as offer sound, professional advice when necessary. Great company to work with!