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.

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.

The loan process was painful The loan process was painful. Too many people involved and not enough that were actually knowledgeable. Closing date was missed by weeks. I was at closing getting ready to sign when your office called to say “wait” we need to change something. I felt there were too many young/unexperienced people involved.

Good, honest company… The most stream-lined refinance I have ever done. Nick was very responsive when I requested rates (very competitive), cash back scenarios, etc. We had a small hiccup on our end but Visio worked diligently to resolve and still close our loan timely. Highly recommend Visio Lending, we will definitely use them again, we are so grateful!