I just closed on 15 deals with Tzvi Ratner-Stauber, The Yes Lender. I have been working on this for a while and I have worked with and spoken to many mortgage brokers, lenders and banks. They either told me they couldn’t do it, it couldn’t be done or some said they could do it, only to fail last minute. I was told to call Tzvi, that he is a straight shooter and will tell me right away if it can be done or not. If he says he can do it, it will get done. Tzvi did thorough research on this, after a few days he told me he could do it. I was obviously very skeptical. He persisted and said he would not let me down. Tzvi is a direct lender and got his underwriter on the phone to give me the level of confidence I needed. Being that they are a direct lender they are able to things other banks cant do it. They were comfortable with the regulatory agreements and in about one week he got me a very clean loan approval. Tzvi was a total professional the whole way through. No matter what hour I called him he would pick up. Be it 7:00 AM or 7:00 PM. He got on conference calls to walk through all the parties. He designed the game plans with escrow, title, the seller…everyone.

The only reason for the 2 stars instead of one star was my experience with Joshua Olguin and his assistant Tim. These two men went above and beyond what was expected to complete the loan origination process. The rest of the staff were inefficient, overwhelmed, overworked, and/or poorly trained. I almost switched to a different mortgage company due to a better rate and more efficient staff. Work was so poor that title company had to refund over $1,400 after closing even though title company reported errors three times providing adequate time for correction. Company should stop providing useless films and provide efficient staff.