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.

Frank Mendoza provides excellent… Frank Mendoza provides excellent service. He works hard to get you the answers you need to make an informed decision, has great follow up and even works hard on the weekends. Visio Lending should be proud to have an exemplary employee such as Frank.

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')

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.