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.

Dan Adams was an excellent advocate and… Dan Adams was an excellent advocate and went above and beyond. Visio Lending provides a product that fills a gap in other lending products and made it possible for us to obtain a beautiful property. There are some differences with Visio that would have been helpful to know in advance such as the difference in CA closing laws vs MI. ('wet' vs 'dry')

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.

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.

Terrible experience Terrible experience! They changed the terms 3 days before closing and by then its difficult to change lenders. Don't trust them. I have multiple rental properties and I will never do business with them again. I do have one loan with them. I am part of a large organization in Atlanta that focuses on short term rentals and long term rental properties. Visio has been removed as one of our recommended lenders.