John Mele's impeccable customer service My rep is John Mele, he's responsive, efficient, and will advocate for my clients. I have done multiple deals with John and he's shown constant commitment to making sure my deal is handled properly and prompt.

Let me set the stage by saying that… Let me set the stage by saying that this is my first (and likely my last) use of a "hard-money" lender. As a veteran of at least 15 mortgages in my life, I have been through a range of lenders from, what I deemed good as well as not-so-good. The experience I had with Visio continues to be problematic. BSI Financial is the organization who is "managing" the loan. I sent them an invoice for $30 to catch up on a quarterly HOA charge and they paid with a check for more than $2,000. The fact that they are escrowing the HOA in the first place is unheard of but, then things like this occur. I will waive other opportunities like this to avoid another round.

Good innovative company to work with Good innovative company to work with. I could do way more deals if they had smaller balance loans. The money is a little slow to reach the client and brokers who bring the deals to get paid. Overall decent experience. I couldn't give a better rating because of this very important point. If they could get better with the communication when the loan programs change, a change in the every day way of doing things with our customers, better title companies and notaries to use, and money disbursements, they would be fantastic, because everything else is great.

I’d give them negative stars if I… I’d give them negative stars if I could. Heather Smith is the most incompetent underwriters I have ever worked with. Got the clear to close. Then they reneged on it. Now the seller will be going after me for liquidated damages. They haven’t had the courage to call me to even give me an explanation!!!! Run fast from this company they are absolutely the WORST! Incompetent is throughout this scam of a lender!!!!

Unorganized Processes Alot of miscommunication on the loans with the servicers.. frequently enforcing forced placed insurance on the loans when not applicable. Mortgage payment increases do to errors. Hard to reach or ineffective when finally reaching them to resolve issues.. almost impossible to reach claims department when claim issues arise. Errors with Closing agents prolonging funding. Not to mention the loans are VERY expensive..