Ladera Lending

Had two bad experiences with Ladera Lending trying to refinance my home in In my first experience I had been given a rate to refinance my rental property and then as time got close to closing the loan they wanted to increase my rate or pay additional costs I told then that I was going somewhere else and they eventually agreed to the same rate my bank was going to give me It still took another two months to close the loans on my properties and the experience was very frustrating Ladera said they could my loan on the rental property at no cost if rates went down which they did last July I was going to go with someone else for the lower rate except Ladera said they could still use my last appraisal so I decided to go ahead with them since it made sense They spent from July to November working on the refinance and every month they kept telling me that the loan was ready to closeI got loan docs in Sept saying the loan was approved, but in Oct they said they needed another appraisal done which they did However in November I then found out the lock expired on the lower rate and I now would have to pay a higher rate than my original refinance which non longer made sense to proceed with the loanFrom my experience, Ladera Lending let mem down and did not do what the said they would Even more frustrating is I could have got a lower rate somewhere else, but wasted the last month trusting that Ladera was going to do what they said Now rates are higher and may not go back down again

Whether you're looking to purchase or refi I strongly recommended Landera LendingMy loan was anything but easy, I worked with Justin H and he kept me informed every step of the wayHe found areas where my previous lender completely screwed meHe worked diligently to correct the issues with my previous lender and get my loan approved to my satisfactionJustin H professionalism and dedications are second to noneI will definitely refer my neighbors and family members who are looking get their loans processed by a honestly hard working individual to Justin H???????????? thank you!

None of this complaint is true They do not have any documentation showing the loan was locked What they wanted was not available from any lender in the country

Shawn M at Ladera Lending is outstandingWe have refied with them before and always use ShawnHe is friendly, professional and very knowledgeable My husband and I just retired and Shawn helped us get a lower interest rate plus pay off all our bills Our retirement is going to be great nowWould definitely use Shawn again and recommend him and Ladera to friends and family

Ladera Lending does not charge for appraisals The fees are paid to the appraisers who complete the work Ladera Lending cannot refund the fee as no fee was collected by Ladera Lending The loan file has been taken over by a supervisor, the Mortgage Loan Originator has been terminated and the client is happy and moving forward with his loan He has requested that this premature complaint be removed form the Revdex.com as all of his concerns were handled as soon as he spoke to a supervisor

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved.Issue has been solvedWe have signed our loan documents as we agreed on 11/8/I would like to remove this complaint from Revdex.com system Regards, [redacted]

I have been a realtor for 40+ yearsI am always reluctant to do reviews or recommend lenders to my clientsI did not have much of a choice with this last dealdays in escrow and my clients lender declined the loanAndy Espineira was able to get the loan approved and funded in under daysnot only did Andy save our butts, but he also got my client a better deal then the other lame lender was even offeringI would recommend Andy to everyone

I just recently done a refi thru Ladera LendingEverything was handled well and closed without any hasslesI would use them again recommend them to anyone that is for a good lender