Secure Lending Incorporated

I worked with Joe *** he was awesome! We closed in 27 days and he made this process easy and answered any questions I had. Thank you Joe your the best!

Mehedi *** from Secure Lending has worked on 2 Refinances for me and has always been informative, prompt and professional. He has always tried his best to get us the best interest rates possible. We will be return customers when we finance our next home. I would recommend him to my friends and family.
Sincerely
Kim Alexander

Buying a home for the first time is stressful, buying a home during a pandemic is even more stressful however our experience with Joe *** was nothing short of amazing. He was always there to answer any questions we had and helped us every step of the way and got us into our dream home with an amazing rate !

Secure Lending Incorporated June 6, Re: ID [redacted] Dear [redacted] : We received a copy of a letter dated April 20, regarding a complaint by [redacted] Mr [redacted] alleged that Secure Pending Incorporated had called him using a Robo Call and had violated the do not call registryAttached is a copy of Mr** [redacted] 's complaint and the company's May 2, response to Mr [redacted] As you will note, a review of the company's phone' records revealed that no phone calls were made to either of his phone numbersAdditionally, the company has never and will never utilize robo calling when contacting potential customersAs a matter of practice, the company buys scrubbed lists of potential customers, which lists are not supposed to include any telephone numbers included in the do not call registryThe phone service provider has a system which is supposed to automatically exclude any person on the DNC registryShould a DNC registered phone number be-inadvertently called or if a person simply requests not to be called for any reason, their number is immediately deleted from the company directorySecure Lending Incorporated takes the 'do not call registry seriouslyWe provide continuous training and monitoring to ensure that all calls are handled in a professional and appropriate mannerThank you for your attention to this matterVery Truly Yours, James H [redacted] [redacted]

Hello [redacted] , I apologize to you and your wife on the delays in processing your file and would like the opportunity to address your concerns and how we can try to repair the relationship I spoke with [redacted] and he did tell me that collectively you and him decided that it would be better to cancel your loan due to the extension cost, for your lock expiring; however, you have indicated that you told him you would think about it [redacted] is one of our best loan officers and I’m sure he was advising what was best for you and yes when you don’t close in a timely manner then you are penalized for your lock expiringI do believe because there was additional documentation needed on your file that the processor did not move as aggressively as she should have and we are working to resolve this issue in our workflow Additional Concerns: We have Senior Loan Processors who have extensive knowledge, but all conditions have to be reviewed by Underwriters employed by the lendersOur processors are responsible for reviewing and getting the documentation to the lenders I am not sure why you feel you were not updated on your file by your Loan Officer, since it appears that he did update youI can say that he may not have received the updates to pass on to you in a timely manner If you decided to move forward and close your loan with Secure Lending, I will also be a contact and give you my word to expedite your fileI will work with ***, our processors, and schedule times to keep you updated [redacted] will get you the absolute best rate as he is excellent in assessing how to do this I would have to review your credit, but you still should be in good standing as long as you did not go days late, on your mortgage We would need to update all your paperwork; however, the process will go smoother and faster as I will personally be working with the processor, ***, and the lender to expedite I will make sure that you are reimbursed the late charges of $immediately(check went out 7/14/2015)

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to meAny future contact from this company in violation of their promise not to contact me again will result in me making a formal complaint to the federal Do Not Call List, as well as another complaint to the Revdex.com Regards, [redacted]

Upon receiving Mr [redacted] , we again checked the phone records and confirmed that no phone calls were made from our office to either number we have for Mr [redacted] As a matter of fact, while there are approximately 1,300,numbers in the company's system, the company system does not even include his numbers The phone records are provided by a third party so the company has no management control of the phone call recordsSecond, a robocall is a recorded message delivered to your phone by an automatic dialing announcing device The company does not utilize recorded messagesThird, Mr [redacted] stated he records all calls to his office Although Mr [redacted] is probably already aware, California is a two-party consent state so all parties to the telephone call must consent to the recording of a telephone call so he should ensure that he is following proper protocol for all calls received in his officeFinally, the company uses a scrubbed list of telephone numbers which is not supposed to include any do not call registry phone numbers Because we are a mortgage broker, it would be counterproductive to call people on the do not call registry as our business depends upon the long term cooperation of the customer throughout the loan application process We take the do not call registry seriously We would never purposely call a registry number and, should a call be made inadvertently, the staff is regularly advised to apologize for the inconvenience and to advise management of the number so that it can be removed from the systemThank you for your attention to this matter

I was a first time home buyer and as you know its a stressful process. Joe *** was wonderful. He was very helpful and a pleasure to work with. My contract date was October 5th and we closed 2 weeks ahead of schedule and actually closed on October 31st, just in time for me to be able to beat the wintery snow and get moved in and settled! I was amazed how smooth and easy the process went with him!! Very pleased with Joe and his company!

Secure Lending Incorporated uses an independent dialing service company to dial customersBased upon Mr [redacted] s complaint, it appears that his personal phone number was somehow appearing in the caller ID of customers being dialed by the dialing service company We have been in contact with the dialing service, which has attempted to determine if Mr [redacted] s telephone number was inadvertently included in their system To be safe, the dialing service has blocked what they believe is his number in its system which should prevent potential future issues.Secure Lending Incorporated uses an independent dialing service company which dials customers on behalf of Secure LendingIt appears from the complaint that one of the numbers being used by the dialing service may be Mr [redacted] s personal telephone numberObviously from a practical standpoint, Secure Lending has no reason and receives no benefit from using an incorrect phone number when trying to make contact with potential borrowersWe have been in contact with the dialing service and they have attempted to determine if Mr [redacted] s telephone number has inadvertently been included in their systemFrom the information available, it appears that Mr [redacted] s number is 954-224-If that is correct, the dialing service has blocked that number from its system and no further calls should reflect that numberIf Mr [redacted] would verify his telephone number and his wife's phone number, the dialing service can do further research (based upon the call made to his wife's phone using Mr [redacted] s number) and better ensure that Mr [redacted] s problem is resolved completely

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The Do Not Call Registry is meant to prevent unwanted solicitation calls entirely, meaning I should not have been contacted in the first placeThe onus is not on me to complain to get my information removed from the company's database, it is on the company to not call me at allAs I was already on the Do No Call Registry and I received a call from this company, I have filed a complaint with the Federal Trades Commission for the Do Not Call violation.I see plenty of Revdex.com complaints for this company regarding this exact issuePerhaps they should stop relying on a third-party company that employs illegal tactics to make sales Regards, [redacted]

Secure Lending Incorporated is a licensed mortgage broker and MrW [redacted] is a licensed mortgage loan originator When the customer was first contacted, it was believed she would be eligible for an FHA streamlined refinance loan requiring very little documentation (and no appraisal) Unfortunately, the customer had a down payment assistance second mortgage lien which would not subordinate to a new first mortgageTherefore, with the customer’s knowledge, her loan application was converted to a full FHA loan application to consolidate the first and second loan amounts This required an appraisal During the loan application process, the customer sent blurry, unreadable phone photos of several documents and often sent incomplete copies of documents required by the lender, such as part of a page or only part of the document This resulted in subsequent and often multiple requests for the same documents Ultimately, the customer requested her loan package be transferred to a new lender In the complaint the customer requested her paperwork be returned The loan application package was transferred to another lender at the customer’s request The customer also requested a refund of the appraisal fee and fax costs The appraisal in question was transferred to the new lender and will be used to complete the new lender’s loan package so the customer will not have to order a new appraisal at additional cost The customer has a new lender at her request Our company is no longer participating in the loan process and will receive no compensation for assisting her The company considers the matter concluded

Please be advised that Secure Lending Incorporated uses a scrubbed list of telephone numbers, which list is not supposed to include any phone number which has been registered with the Do Not Call Registry On rare occasions, the scrubbed list will inadvertently include a Do Not Call number Upon being told that a number should not have been called, the number is immediately deleted from the company’s system and no further calls will be made to that number Additionally, even if a number is not on the Do Not Call Registry, if a resident asks for the number to be removed for any reason, that number is also immediately deleted from the system It has been confirmed that the phone number of Mr [redacted] has been removed from the system The company takes the Do Not Call Registry very seriously and apologizes for any inadvertent calls

Please see attached letter from legal counsel to Secure Lending Incorporated The Company is a licensed mortgage loan correspondent in the State of FloridaThe Company makes every effort and attempt to respect the wishes and privacy of individuals It also takes the Do Not Call Registry very seriously and makes every attempt to ensure compliance With respect to Revdex.com complaint# [redacted] , one telephone number was listed in the complaint: Tel: ( [redacted] As of the date of this letter, the Company has conducted an audit of its communications with Mr [redacted] The Company found that no calls were made to the number listed in the complaint However, the Company found that Mr [redacted] was called at the following number: ( [redacted] Mr [redacted] had a voluntary conversation on November 29, with two employees of the Company, one of which was a loan officer for approximately minutesThe Company has no information to suggest that anyone called and huon Mr [redacted] An additional associated number the company has for Mr [redacted] is ( [redacted] Additionally, Mr [redacted] provided his phone number and e-mail to be contacted for folland the next day a folle-mail was sent to him The Company is unaware that Mr [redacted] did not wish to be contacted and its conversation with him suggested otherwiseMr [redacted] has indicated that he uses his cell phone for business While the Company believes it has complied with all regulations expected of it, it wishes to respect the wishes and privacy of Mr [redacted] and it has placed ALL of Mr [redacted] ’s associated telephone numbers and e-mails on a list that it maintains of people who wish not to be contacted or solicited On behalf of the Company, we appreciate Mr [redacted] ’s complaint, privacy and wishesThe Company has taken action to prevent any future calls or contact from the Company to Mr [redacted]

we had the greatest mortgage broker john m*** walked us thru it all. he made rocky roads look straight

This was my first time purchasing a house, Joe was extremely helpful, and went above and beyond to make buying a home possible for me. Joe was very professional, and was very patient with all of my concerns. He always made sure I understood everything that was happening, and walked me through every step of the way. I appreciate everything he did to make this happen .

John M is hands down one of the hardest working people we know. He kept us informed every step of the way with the purchase of our home, and was fully committed to making sure that all parties involved had our best interests in mind. He put in so many hours of work to accommodate our specific situation, and our family knows that no one would have worked that hard to get us the home of our dreams. We appreciate his positive attitude and the hope that he instilled in us throughout this process. If you want top-notch service with a genuine person, John is the person you need.

This lender was a pleasure to work with. The professionalism and promptness that we received from them was much appreciated. From the start we felt that we were going to be taken care of. Are lender Mr. W , definitely went above and beyond. He always answered our calls and emails, even after business hours.Would recommend him and secure lending Corp to everyone. Also Mr. W was able to get our loan closed fairly quickly(Before or contracted close date). Enjoying our new home. Thanks again

After a divorce, I had been looking to refinance my house under just my name for over five years. My loan had been denied multiple times due to credit circumstances and I was feeling like this was not going to be something I was going to be able to do.
One day, I was given Joe W’s phone number at Secure Lending by a friend who highly recommended this company. I almost did not make the call as this company is located in Ohio and I live in Florida but at this point I felt I had nothing to lose so I reached out to Mr. W.
Right from the beginning Mr. W was able to answer all my questions in a professional and courteous manner and I felt like maybe I was going to be able to refinance my house.
Throughout the loan process, I was able to reach out to Mr. W anytime I had a questions or concerns. My phone calls and emails, many which were way after business hours, were answered almost immediately.
Although I am certain that my loan was not an easy one to get approved, Secure Lending made it happen!!
I finally closed on my house last week! Words cannot express how professional, knowledgeable, and courteous Mr. W is. If you are in search of a company to help you with a mortgage loan , reach out to this company. You won’t be disappointed!

I am on the national do not call list. Got a cold call from the phone number *** at 1:04 PM on 3/29/19.

The person identified himself as working for "Secure Lending" on Brook Park road. He asked for me by name.

I asked him "why are you calling me?", and he hung up. I tried to call back, and there is no way to contact the company (the corporate phone number just leads to voice mail).

All I'm trying to figure out is if someone is trying to take out a loan in my name or if it was just a sales call. If it was a sales call, how did they get my number? It would have been illegal for them to contact me, I'm not looking for a mortgage.

Secure Lending Incorporated (“Company”) is a licensed mortgage loan correspondent in the State of MIThe company takes the Do Not Call Registry very seriously and makes every attempt to ensure complianceThe company uses a scrubbed list of names from a third party provider. The scrubbed list
is not supposed to include any phone number which has been registered with the Do Not Call Registry. Additionally, the phone servicer software is supposed to block any Do Not Call registered phone number as well. If a Do Not Call number is inadvertently called or the recipient simply requests not to be called for any reason, that number is immediately deleted from the company’s system upon being so advisedBy way of reference, the Company is including its DO NOT CALL POLICY. I have had the Company review its phone records regarding MrT*** ** ***. The phone records do indicate that one phone call was inadvertently made to MrR***s on January 29, As of today, February 21, 2018, the Company is immediately deleting MrR***s’ number from the Company’s system and it is being blocked as a do not call number If you have any additional questions, please feel free to contact me. Thank you for your attention to this matter Very truly yours, Aryeh ID*** EsqCompliance Counsel for Secure Lending Incorporated