The customer service is best with… The customer service is best with Sergio, but after that I have to patient, because the communication does not flow consistently. For example I submitted a second dispute on an appraisal for 4216 E Michigan St In 46201, For 3 weeks even with request for update I still am waiting. I also find your underwriting to be very inconsistent and indecisive. They will send you 5 stipulations to fix after you fix those 5 they are asking for another set of stipulations.

Best Lender I’ve Ever Worked With I had a wonderful experience working with Cogo Capital. My loan officer Bill Koder was amazing to deal with. He was always very prompt with communications and the whole deal went extremely smooth from start to finish. I deal with a lot of lenders and this was one of the best transactions I’ve ever completed so I had to write them a great review. Everything was simple and they delivered on what they promised. I’ve already referred to several other investors and Cogo is my new go to lender for all deals.

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

Travis Travis, Kimberly, and the entire Cogo staff were absolutely phenomenal. They were extremely patient with me, but also quick to educate me and to help me understand the process. I cannot say enough great things.!

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"