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.

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.

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.

They are called “The American Greed” The company delayed my mortgage on purpose to increase the annual percentage rate. It did not matter that I paid extra fee to have the appraisal expedited as well as the mortgage application. I will not recommend them to anybody. The company has also hidden fees that will be disclose a day before closing date.

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..