Geneva Financial

There is nothing that Geneva Financial, LLC or any lending institution can do at this time for the borrowers. The roof needed repairs, and the title is clouded. Until this issues are cured, the borrower can not refinance. Because of Geneva Financial, LLC. the borrowers are now aware of issues not only with the roof, but with title. They now what action needs to be taken to cure those issues. It is unfortunate that we can not assist them at this time. We would like to.

I apologize for my last customer review, I should have specified my opinion about the specific person that my bad experience was with not the business as a whole. After my bad experience my loan was taken over by [redacted] and she did everything in her power to help us have the best possible experience buying our first home. She was personable, friendly, kind hearted and worked day and night to get us into our home before Christmas. Thank u [redacted] and Geneva for all that you did for us! Sincerely [redacted] and [redacted]

The borrowers appraisal came back “subject to” roof repairs. They elected to complete the repairs. There was also a lien on the title that we were either going to show it was forgiven (their response) or pay at closing. The borrowers were unable to show it was forgiven as there were no survivors...

from the lien. We also could not payoff without survivors. We told them that they will have to contact an attorney to get this cleared up before we can do anything more. Until they clear this up, we have no way of closing this loan. They also could not complete the repairs and get the appraiser back out until the 28th making it impossible, even without title lien issues, to close by month end. Had there not been roof and title issues, which were not disclosed at the time of application, the loan would have closed, and it would have closed in a timely manner. We understand that the borrowers did not likely know about the title or roof issues until we made them aware during the process; the same time we were made aware of them. Mortgage companies issue pre-approvals based on all the information presented to them at application. Unfortunately for everyone in this transaction, there were critical issues that did and would have created an issue for any institution performing the refinance for the borrowers. We in no way mislead the borrower. When problems surfaced during the transaction (roof and title) the loan officer gave the borrowers options. They made decisions based on newly found information. And as stated before, those issues could not be cured in a timely fashion.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.   Regards,[redacted]

Our Team has had the distinct pleasure of working with [redacted] for over 6 months now. We have a great respect for[redacted]. He is a very knowledgeable take charge person. He is very mindful of his customer's needs and goes out of his way to make sure that the end product is exactly what they want and expected. We have never had an issue at the closing table. He is a rare find in the mortgage industry today and we take genuine pleasure in recommending him and Geneva Financial! [redacted]