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.

I am Dealing with a broker there named… I am Dealing with a broker there named Jose salcedo. He is absolutely the worst. Does not return calls or emails. I left a phone message and email with Visio telling them I would like to have a another broker on my file and they don’t return any messages either. The funny thing is I have 2 outstanding loans with them and never missed 1 payment to them in 2 years. Just horrible unprofessional company to deal with at this point. Call Lima Capital for better service and rates.

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.

Mo Bean gets it... Mo has been a tremendous help to my business needs. I've dealt with people who either give generic yes or no responses to what can or can't be done. Mo exceeded my expectations based on prior dealings with people in the mortgage industry by understanding my questions and needs, and providing options and/or possible solutions without beating around the bush. I felt she was more concerned for my business needs, and not how she could benefit. Thanks Mo!

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..