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.

Cash out refi I needed to do a cash out refi with a blanket mortgage for 6 townhouses in SC. Visio was able to provide that loan on a 30yr fixed rate. The whole process was smooth from start to finish with Visio. Nick Marrone and Victoria Robinson were fantastic, knowledgeable and always communicated with me and responded to questions right away. My experience with Visio was great and I will be using them in the future.

Don't trust them. Would not recommend. Spent almost 3 months trying to get them to put a deal together and they came back with an appraisal that was 75% of the value of what my property was appraised at just 3 months ago (prior to renovations). These guys are used car salesmen hacks. Don't buy the "easy to close" BS, this will take longer and waste more of your time than your local bank. Also, their terms are worse than most banks. They have pre-payment penalties, which most banks I work with do not.

Very responsive and excellent service… Very responsive and excellent service as well as great rates. Nick Marrone is very instrumental in explaining all the process and response to calls/emails right way. He also followed up the entire process to ensure closing should be done on time. I would give him 5 out of 5 for the great customer service. Angelia Rivers and Mark Davila did the great job for loan processing. Throughout the entire process, I was feeling I am also part of the Visio team. Great work!

James is great! I enjoyed working with James. He is a charismatic and prompt agent. One thing he can do better is to break down the additional fees and documents list early in the process. We noticed that other lenders agents do that and we find it helpful. Other than that, he did a great job navigating us through the process until the very end. Because of the experience we had with him, we would do more business with Visio.