Phishing scam, not connected to your bank Fact: Their BBB rating is 2, and has hundreds of complaints. Their advertising practices are about as deplorable as it gets. Three days ago, we received a very official-looking financial statement, complete with the perforated ends from EnTrust Lending, dba Titan Mutual Lending. When you open this, it looks like an IRS document as it has the 2021 tax year mark on the top right. As I read this, it showed a five-digit escrow refund and an attractive rate of under $1,300 a month for my mortgage. I'm genuinely excited. So naturally, I called them. My excitement quickly faded as I had to endure speaking to someone with very bad English and a thick accent. A dead giveaway this was not a company that employed US-based customer service reps, but more like the Philippines. She was very nice to talk with, but she ask dozens of questions about my bank, our finances, and she wants to confirm your address. Okay, time out. They did not partner with my bank. Apparently, they just bought a mailing list, which contains public data about my home. Anyone can buy this information from a data broker. This data includes your address, your home's purchase price, and the mortgage lender. Privacy laws can only protect you if you know how they work. In this case, EnTrust Funding LLC dba Titan Mutual Lending is a California firm, and California has some of the strictest privacy laws in the USA. It's called the CCPA (California Consumer Privacy Act). Unfortunately, I live in Colorado, so the CCPA does not protect me. However, on 8 July 2021 -- Colorado passed into law, the Colorado Privacy Act (CPA) which is every bit as good as California's. My advice to anyone who does not want this kind of "phishing" advertising scam, is to write Mutual Lending a "cease and desist," letter. You simply ask them to delete all your personal information including removing it from any 3rd parties they gave it to or sold it to. And you give them 30 days to comply. Go to the post office and be sure to send this certified, mail receipt. You must keep the green copy verification mailed back to you as this will have the name and a signature from Mutual Lending. If they send you another solicitation ever again, then you file an official complaint with your local District Attorney (DA). Here's their mailing address: Titan Mutual Lending Inc. Attn: Complaints 250 Commerce, Suite 220 Irvine, CA 92602

Thanks John! First company that I decided to stay on the phone with but glad I did. John Kim was professional throughout and was patient with explaining his ideas on leveraging my equity and maximizing my savings. Quick transparent during the whole process. Will definitely come back to him again!

Thank you!!! We can’t say enough about how wonderful it was working with Titan Mutual Lending! Eric Wang and Albert Jose were always readily available to answer any questions and were informative and thorough every step of the way. We set expectations early on and were more than pleased with how they met them. They were patient with us and we really appreciated how transparent they made their process. Rates were competitive and customer service is truly their top priority! They absolutely went above and beyond to ensure that our transition from our previous lender was a seamless one. Couldn’t be happier with our experience! Thanks again TML!

Total scam Total scam. If you're desperate and can't get a mortgage or loan anywhere else I suppose that being charged exorbitant fees and lied to will work. They stated 2.5% interest rate when in fact it was 4.75% and THEN they rolled all their costs/fees into the loan. Their letter said "Personal and Confidential" as well as "Financial Document Enclosed". They have much of our financial information in the letter which makes my USPS mail a risk to thieves who steal mail for this very purpose. Beware!

A Happy Customer!!!!! My experience working with Karcher Smith was excellent. The entire process took about a month and Karcher and Lizette were great. I received emails, text messages, and phone calls constantly updating me with the new status of my loan process. I would recommend Titan Mutal to all of my family and friends and will always be grateful to Karcher for his expertise, professionalism, and patience.