Secure One Capital Reviews (%countItem)
Secure One Capital Rating
Address: 555 Anton Blvd Ste 900, Costa Mesa, California, United States, 92626-7034
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my experience with Mr. Elmer lobos and the bank secure one capital corporation has been one of the best was a good explanation of every detail that the bank has every question that was answered positively by the Mr Elmer do not hesitate in any of the word that Mr. Elmer lobos gave me , thank you for your collaboration.
Dear Mr. Cubillos:
Thank you for taking the time to share about your experience with Elmer and Secure One Capital.
We are committed to doing what is right every time and based on your review, I believe that Elmer delivered on that promise.
Please continue to share about your experience so that we may provide the same experience to your friends and family.
Thank you, again!
Bill Robertson
Business Development Manager
Mr Lovos and Secure One Capital treated our refinance with the upmost professionalism and respect . Even when some set backs ( due to issues beyond their control ) he still presented us with an option that was right for our family. He was always positive and transparent with his offerers. I look forward to future dealings with Secure One and Mr Lovos for I know they have my best interest.
Dear Ms. Galeano:
Thank you for taking the time to share about your positive experience with Elmer and Secure One Capital.
It is always great to hear words like professionalism, respect, transparent and positive used when describing one of our team members.
We are committed to delivering Better Rates, Better Service, A Better Mortgage Experience and it appears that we were able to in your case.
We hope that you continue to share with your family and friends so that we may provide them with the same excellent service that your received.
Thanks again,
Bill Robertson
Business Development Manager
On May 14, 2018, I received an unsolicited phone call from Secure One Capital that left a message on my voicemail claiming to be on behalf of my current mortgage lender claiming to lower my rate and payment.
I called back to get more information and they had the incorrect address but other correct details of my personal information. I was eventually able to speak with *** that day and he put me on their internal don not call/contact list.
On May 25, 2018, I just received a text from Secure One Capital again trying to solicit my business.
Dear Mr.:
We have read your complaint to the Revdex.com dated 05/25/2018 regarding violations of the TCP and are prepared to address your concerns.
Although we understand your frustration, we obtained your information from a third-party lead provider whom state that you have inquired about a mortgage. The third-party company is *** (***) and they manage Internet landing pages designed to gather information from interested parties like you.
Visitors to their landing page(s) are prompted to provide contact information and agree to their privacy policy, which you can review her: https://***/privacy-policy/
As part of their privacy policy, you agreed that *** “May share your information to any third-party for any purpose …“ Essentially, you granted *** and its affiliates the right to contact you and sell that right with lenders like us. Unfortunately, there is not anything we can do to ensure you are removed from their distribution list and we can only make an effort to internally remove you from ours. We make every effort to adhere to all state and federal laws and apologize that we are part of the annoyance that has caused this complaint. We are happy to speak with you in greater detail about this and help in any way possible.
The call you received from Secure One Capital on 05/14/2018, originated from our office and a message was left on your voicemail. This is not a robo call of any sorts.
We believe that when you spoke with *** of 05/14/2018, that your phone number was added to our internal DNC list as requested and we have not reached out to you.
As you can imagine, with current mortgage market conditions, we are forced to work with various partners to initiate contact with people who are interested in mortgage programs. We feel our campaigns are friendly, inviting, and informative. We give every individual every opportunity to opt out of any one campaign. Once we receive your data from Best Rate we run a 21-day campaign which starts with information sent to you in the mail, we then follow up on that information over the phone, we will leave up to three messages, and then follow up with a SMS message before closing out your inquiry as non-responsive. All of our methods of contact are covered in the privacy policy that is listed above. We apologize for any inconvenience our attempts to reach you to discuss your inquiry and will make sure to remove your information from all future attempts.
We highly recommend that you contact *** and opt out at the URL below: https://***/privacy-policy/ Otherwise, they will continue to sell your information to other lenders, who will be contacting you as a result of your authorization.
We do not believe that we have violated the TCP and we believe that we can successfully document that sufficiently to the FTC, but in order to ensure that you are never contacted by Secure One Capital again, we have added you to our NEVER CALL/CONTACT LIST, which means that we will not contact you even with your authorization.
We will use the address, phone number and email provided in your complaint.
Sincerely,
***
Business Development Manager
Secure One Capital
I am really satisfied with Secure One Capital refinance program especially with Bruce Edgell. When other mortgage companies said I had to wait and their was nothing that they can do. Bruce told me to trust him and that Secure One Capital would get it done, I am very satisfied, Bruce Edgell is the man.
Dear Mr.:
Thank you for taking the time to share about your experience with Bruce and Secure One Capital.
We love to hear that we at Secure One Capital were able to do what no other company can or would do!!!
We work hard to ensure that we can deliver when our competitors can't and it is great to get that validation from you.
Please continue to share about your experience so that we can provide the same excellent service to your family and friends!
Thanks again,
Bill Robertson
Director of Business Development
I want to share an experience I and my husband had with Secure One Capital Corp they are a wonderful Corp they help me and my husband get out of a bad loan with The Hero program which changed out contract without us knowing we where unable to fin our home or do anything because they had a first lean on our home but this Corp with the help of Adam Afghani helped us refin and pay that loan off in 15 days we have never went through a refin that fast in our whole time of owning a home we where so grateful we will always use them for our home business. we thanked them so very much
Dear Mr. and Mrs.:
Thank you for taking the time to share about your experience with Secure One Capital and Adam.
We are committed to delivering on our promise of "Better Rates, Better Service, A Better Mortgage Experience" and it seems that Adam was able to do that for you.
We look forward to being your lender for life and helping you, your family and friends by delivering the same excellent service you received.
Thank you, again!
Bill Robertson
Director of Business Development
Another great experience with Secure One. Rick Albrecht was exceptional. He checked in with me regarding refinancing before interest rates went up. Glad he did because we received a very good interest rate. Rick was very attentive throughout the loan process. He continued to contact me with loan status or just to see if we had any questions or concerns. They helped with debt ratio, lower mortgage payment, etc. The loan was finalized very quickly and we did not have any problems. This is our 3rd loan with Secure One (not all same property) which has resulted in us being in a much better payment/debt ratio and lower payments. We've had fantastic service and experiences with each loan.
Dear Ms.:
Thank you for taking the time to share about your experience with Rick and Secure One Capital.
It is always great to hear that one of our loan officers is delivering on our promise of "Better Rates, Better Service, A Better Mortgage Experience!"
Thank you for trusting us for a third time. We love it when people trust us over and over again with their mortgage loans.
We hope that you will continue to share and that we can provide the same service to your family and friends.
Thanks Again!
Bill Robertson
Director of Business Development
I contacted Secure One from a letter that was mailed to me, concerning a new law that affected some homeowners who had Hero loans. Ryan *** was very knowledgeable and easy to communicate with. He explained that I had enough equity in my home to refinance and to pay off that awful 20 year Hero loan. So, things were done as expeditiously as could be. Mr. was always a phone call away. The loan then closed and funded and there were no harassing calls from my old mortgage co. telling me I hadn't paid my last month's bill. Ryan *** handled the whole thing very well and has helped guide me through the process.
Dear Mr.:
Thank you for taking the time to share about your experience with Ryan and Secure One Capital.
We are committed to doing what is right every time and it seems that Ryan delivered on that promise.
Please continue to share about Ryan and Secure One Capital. Our hope is that we will be able to provide the same excellent service to your family and friends.
Thank you again.
Bill Robertson
Director of Business Development
I want to share a positive experience with you all about how Bruce *** with Secure One Capital was able to help me get a refinance when everyone else denied me, he also helped me clear all of my credit debts and brought my credit score up! He was also able to help me save a lot of money and was even able to get me money in pocket! Thank you Bruce and Secure One Capital for changing my life!
Dear Charline:
Thank you for taking the time to share about your experience with Bruce and Secure One Capital.
We are committed to offering "Better Rates, Better Service, A Better Mortgage Experience" and it seems like we delivered on that promise and more.
It is always great to hear when we have made a tremendous impact on the life of one of our clients. It is why we get out of bed and come to work ... to make a difference.
Please continue to share. We look forward to helping your family and friends the way that we were able to help you.
Best wishes, always.
Bill ***
Director of Business Development
I had a previous refinancing with another company. I wasn't happy with the numbers. received a correspondent mail from Secure One with Jay *** name listed as the contact. Explain to him my concerns and he was amazing. always available for my calls, questions step by step. he also inform me of each next step. it was fast and easy. now I feel relieved I'm on the right track to improve my great. he provided me with an even better rate than the previous company I was going with. Thank you so much Secure One with Branch Managers like Jay *** we are in good hands.
Dear Jackie:
Thank you for taking the time to share your experience with Jay and Secure One Capital.
We are committed to doing what is right every time and to deliver "Better Rates, Better Service, A Better Mortgage Experience!" It is clear that Jay met and exceeded your expectations.
Please continue to share your experience with your family and friends, so that we may be able to help them by providing them with the same level of service.
Thanks, again,
Bill Robertson
Director of Business Development
I reached out to multiple companies to try and refinance my house, but was always unsuccessful because of my low credit score. I decided to give it one more try and contacted Secure One Capital, which in hind sight, was the best thing I could have done. Elmer Lovos was the representative that helped me out during this process and I couldn't be more appreciative of how he took care of business. Whether it was early morning or late at night, he took the time and made sure to respond to my questions/concerns right away. If I decide to refinance in the future, I will definitely be contacting Elmer to handle my file again. I would recommend Secure One Capital to everyone, especially those with low credit scores who are under the assumption that they won't be approved anywhere because my credit score is near the bottom of the barrel, and they were able to help me out!
I had nothing else But a wonderful experience from day one, I had an amazing loan officer [Elmer ***] that guide us all the way thru during our refinance process, I will recommend his service a lot and defenetly I will use him again sometime in the future, again thanks for all the help and service you provide to us.
I refinance with Bryan *** and I would recommend him to others. Bryan went all the way
with me even after everything was done.
Dear Linda:
Thank you for taking the time to share about your experience with Bryan and Secure One Capital.
We focus on doing what is right every time and it appears that Bryan's actions epitomize our commitment.
Please continue to share with your family and friends, so that we may provide them with "Better Rates, Better Service, A Better Mortgage Experience."
Thank you, again.
Bill Robertson
Director of Business Development
I refinanced back in June 2017 with a decent rate. In January 2018 Bruce *** called me advising me that he could get me a lower interest rate, of which I chose to take advantage. Every time I had a question he was right there to provide the answer along with an explanation. The notary came to my home to sign the final closing documents and she was absolutely great! I cannot say enough positive things about this company and especially Bruce ***. He took all the worries and questions in stride, always either answering the phone or returning my call within 30 minutes. Bruce is a rock star!!!
Dear Gloria:
Thank you for taking the time to share about your experience with Bruce and Secure One Capital.
It is great to hear from clients when we have met our commitment to Better Rates, Better Service, A Better Mortgage Experience.
Please continue to share about your experience with your family and friends, as we look forward to providing them with the excellent service you received.
Thanks again,
Bill Robertson
Director of Business Development
The person who helped us was *** and he said we could lock interest rate 4.375%, we shouldn’t wait because interest only going up so we did. We did everything and sent him everything on time. I verified with *** that we were still locked at the rate he quoted because I notice on the form that it was not checked off. He promised that it was via email, but it turned out that it wasn’t really locked until the appraisal of the house came in and from there we were locked at 4.75% and told of this only a couple of hours prior to scheduling to sign documents. Upset, husband and I spoke to ***, one of the CEO for company. He said he would look into our situation before signing. Next day he said that he apologized for the situation and rush our loan since we were suppose to sign previous day (Wednesday). We were told we would sign next day. Received a vague email from *** that we’re we’re going to have a notary call and come to our house some time that day (Thursday) to sign, but no one called. I had to follow up with ***, ***, and *** of what happened. Only person who called back was ***, did not know what happened. Will make sure we sign following day (Friday). I had to follow up with him next day. Had to request info of the notary at this point because lost the trust that service was being provided. Made arrangements for notary to come Friday evening to sign. Followed up with *** that everything was okay and was scheduled to close. *** assurred me everything closed.. I checked to make sure it was funded to current lender., it was not so called and questioned ***. At that time he said notary said we failed to sign doc for title. I know we signed doc let *** know. He told us to just resign. It’s a waste of time to refill doc that we already filled explained to *** to please be our advocate and relook at docs. Said *** not avail, called notary, *** said He makes sure that form I is always signed and he did not recall saying that we failed to sign.
I believe that I responded to this complaint over a month ago. It appears that ***, CEO has been in communication with the borrower and that they are satisfied with the outcome.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed
*** and *** did mention a compensation check that would be mailed to our home shortly before we signed loan docs, but we have not as of today received any such check that is to compensate the interest that we have loss (4.375% vs 4.75%). Please verify and send us a paper trail if this check was ever sent to us. I highly doubt *** or *** ever followed up with this. This is a big problem in customer service and trust that future customers should be aware of with this company. We are still very upset with ***. *** nor *** has ever tried to call us back to follow up. *** did speak with my husband Chris shortly after I put this complain in and he said that he would be in touch AFTER he returned from his business trip, but he never called my husband back to follow up. I am pleading with Revdex.com to seriously look into this company because I feel that everything we had gone thru in refinancing should not have been as bad as what we went thru. It saddens me that even *** the CEO of this company could not even follow up with our problem with ***.
Regards
I looked into the complaint, spoke with both *** and *** and I am interested in resolving the issue in the best interest of all people.
Several days before loan docs being sent out, less than 24 hours from appraisal received we contacted them to explain that the past 21 days in the mortgage market was volatile and the 10-year bond and mortgage rates went up quickly.
They were upset that the loan had not been locked, but we could not lock because the LTV was near 80%, if the value came in slightly lower we would not have been able to do the financing for them. They thought about what to do for several days but called back and were fine with the new loan terms. *** advised them that due to their understanding I would be happy to credit a portion of the fees and they were very grateful for the gesture.
They proceeded to sign.
During the rescission period, they were very anxious to fund. They hadn’t made this months payment, and it was going to come down to the final hour before we could close because docs had not come back yet. Once documents were received, we noticed that a page was crossed out and the notary advised us that the borrowers did not wish to provide the relevant information on the statement of information. We explained this to both husband and wife that if we did not have that completed for the title, we would not make the deadline. Opposed to getting it done they argued with us. Mrs *** ended up hanging up on ***. *** proceeded to contact the husband, and without hesitation, he agreed to complete and sign the form meanwhile Mrs. Was drafting a complaint to the Revdex.com. The loan funded that day. On time!
After the loan had funded, both *** and *** attempted to reach them to discuss the complaint filed. Our service, our process, our communication during the entire process was above par. Mr. and Mrs. had time to review the changes in loan terms, and *** pointed them to the ten-year movement from application until appraisal received to date. Because client satisfaction is so important to us, *** wanted verbal confirmation that they understood and were okay with everything. *** did not offer money in exchange for their satisfaction. It was unfortunate that the market moved the way that it had, and *** was saddened for them and made every attempt to ensure satisfaction.
We find all of this extremely odd ... We were in active communication with the parties, they expressed verbal satisfaction to us over the phone. They had our emails, phone numbers, and we were very quick to respond. The dissatisfaction in her complaint was not addressed with us, and if it had been, it would have resolved.
Several attempts to reach them after the close of their loan to discuss the complaint resulted in no return phone calls or emails. It was apparent to us that they did not want to resolve the issue. So we considered the matter closed.
To address the “compensation,” we agreed to pay. No money was due. This money was not offered because we did something wrong. It was a consideration because we felt bad that the market shifted. We agreed to provide a credit based on the understanding that this was an unintentional mistake that could not have been avoided. We did not offer this as a carrot but an extension of gratitude
I want to share my positive experience that I had with secure one capital got exactly what I was offer by yony lovos he said will close in two weeks and exactly two weeks the deal was done very helpful answers all my questions and needs I'm so happy I found secure one capital thank you yony l***.
Dear ***:
Thank you for taking the time to share about your experience with Yony and Secure One Capital.
We are committed to delivering on our promise of "Better Rates, Better Service, A Better Mortgage Experience and is sounds like Yony hit a homerun in all areas.
The highest compliment we can receive is when one of our clients shares about their experience with us.
We look forward to serving you, your family and your friends again in the future with all of your mortgage needs!
Thank you, again!
Bill Robertson
Director of Business Development
I had used Secure One in the past and was elated when I was contacted by Melissa Rivero, who previously worked for Secure One, to do my refi, as we had discussed previously. It wasn't until the refi process was well in hand when I realized she did dnot work for Secure One, she actually worked for United Lending, which means she solicited my business while working for another company. Anyway, The refi was going as expected, Melissa told me it was approved and all was wonderful, not to pay my November and December mortgage payment until November 27, 2018, when not her, but her supervisor, Eddie, called and told me I needed to pay November's mortgage? Of course I was upset and said that is not what I was told, and in fact had spoken to Melissa in regard to me paying off some of my little credit card debt with that money. When I explained this to Eddie, he basically called me a liar and said they would never have said that. When I told him I had it in writing in an email, he apologized and said he would "look into it." Then, later he called and wanted me to pull a cash advance off one of my credit cards with a zero balance in order to pay another credit card balance down??? I was very disturbed regarding this, because it would give me yet another credit card payment to have to pay each month. However, I did it, as I was too far into it and financially in a bind due to the late November mortgage. He also told me he would give me some kind of Lender Credit to compensate for this request. Later, I contacted Janene S, whom I've spoken with the in past asking if someone could look into my case and was later contacted by Rick A. I explained to him what United Lending had done to me and asked was there anything his company could do to help me out. Rick was very understanding and informative as to my choices to get this done in a quick manner, due to the money bind I was starting to get into with the mess United Lending had done. We decided that an FHA loan would be the fastest, even though I really wanted a conventional loan. We then discussed closing all or most of my credit cards, as them sitting with a zero balance for so long is almost worse for your credit then just closing them. He advised me they would pay most of my credit card debt down, I would then close the cards, and my credit score would take a hit for the moment, but would bounce back quickly and in 6 to 10 months, we can refi again, into a conventional loan, get everything done to my benefit, then I would be done forever with the refi nonsense. Bottom line, Rick did this with such grace and understanding, when the mess was created by a different company, and was able to get it all done and closed in a little over 10 days. He was such a dream to work with, always answered my phone calls or emails when I had a question. Even when there was an error in my paperwork found when the notary came for me to sign, I called him immediately, he contacted the underwriting department, was able to have them fix the paperwork and notary came out a couple days later. Even with that hiccup, it was so less painful then my previous mess. I would never recommend *** to anyone. I would send anyone to Rick for his business. He is knowledgeable, helpful, understanding and patient with any and all questions you would have. I will be calling in the future to do my one last refi to a conventional loan and using Rick and his team. They are an absolute dream team to work with. So Rick, thank you from the bottom of my heart, for taking on the mess someone else created in my life with grace and understanding. It truly meant the world to me. Thank you very much!!
Dear ***:
Thank you for taking the time to share about your experience with Rick and Secure One Capital.
I am sorry that one of our former employees created such a headache for you, but I am excited to hear that Rick came in and saved the day!
We are committed to doing what is right every time, and I can see clearly that Rick was able to do that for you.
We look forward to helping you again in a few months, as well as your family and friends with all of their mortgage needs.
Thank you, again!
Bill Robertson
Director of Business Development
Chase C is the most responsive person your could ever hope to deal with.
I work 200 miles from home, and don't come home until weekends. Chase made everything go smooth and the process only took 2-3 weeks. This is the second time I have used Secure One. They gave several options to choose from and no pressure whatsoever. he assigned staff to assist me and worked around my schedule.
Dear Mr.:
Thank you for taking the time to share about your experience with *** and Secure One Capital.
It is always great to hear that one of our team members has delivered on our promise of "Better Rates, Better Service, A Better Mortgage Experience."
We look forward to serving you and your family as well as your friends in the future.
Thank you, again!
Bill R
Director of Business Development
Rick A with Secure One Capital was very helpful in walking me through the refi process on my house. I would highly recommend him to others. Thanks, Sandy
I would like to mention an individual with Secure One Capital, Mr. Bruce ***, who is an awesome individual. He helped my mother with a refinance on her home and she couldn't be happier with the outcome. Mr. always returned her phone calls in a timely manner and answered any questions she had. We will not hesitate to use their service in the future if needed. On behalf of my mother and I thanks again Mr. for your excellent customer service.
I was very thankful to Bruce and the Secure One Capital team. I had a lot of difficulty with other lenders, but once I dealt with Bruce he assured me all my concerns would be addressed, Bruce the sales manager was in constant communication with me during the process, and my loan closed within the time framed stated. I appreciate there business and will definitely recommend them to family and friends.