The entire process went smoothly even with a hurricane that caused a slight delay.
David and Kisha were always responsive to phone and email questions. The portal made document submission easy and secure. I would recommend eLend.
Christopher Connelly and his team were awesome - responsive, professional, and above all, made the
whole process seamless. Would recommend Chris as I believe he was honest and answered all my questions in detail. Thanks, Chris!
I was pleased with the whole process of financing my home. There rates and
closing costs were the best out there! My initial contact was with Chris Connelly, He was the first company to respond to my request for a quote. He was very easy to work with and I never felt pressured or deceived. He answered all my questions in a timely manner and sent me multiple updated estimates. My other contact was Tara Barrett and she was easy to communicate with, usually answering on the spot or returning my calls within the hour. The website to track, sign, and upload documents made the transaction run smoothly. I received timely emails letting me know that there were documents to sign and it was easy to use. My appraisal was quickly scheduled and performed and I even received the report the next day.
My only hiccup was that I had to call Tara the day before closing to get the actual closing cost and she told me the wrong figure. (I had an 8:30 am cosing and needed to get to the bank for a cashier's check.) The notary and I called the title company from closing and they were understandable and I just wrote a personal check for the difference. Overall, I would give them an "A" rating and would definitely do business with them again and recommend to family and friends!
We found eLEND through Zillow. They had the lowest rate, the lowest fees, and were
well rated. I was a little nervous at the thought of refinancing with an online company where I’d never see anyone but the third-party appraiser and the notary at closing, so after we requested a GFE we also got a GFE from our credit union to see if it would be close.
eLEND was superior in every way. The rate was better. They had no origination fee. The required costs (appraisal fee, title services, escrow deposit, recording charges, etc) were lower across the board. Our total settlement charges with eLEND were half of what they would have been at our credit union.
Further widening the divide, the GFE from our credit union had several errors on it, listing the P&I as lower than it actually was (though the correct amount was listed in the amortization schedule). The error made it look like a very slightly better deal than eLEND, which it was not.
Kyle Erpenbach, the eLEND agent we were teamed up, was awesome. Whenever I had a question he would respond via email, generally within half an hour, even late at night. He must live with his phone on him at all times. Throughout the process he was unfailingly professional, knowledgeable, responsive, and patient with my many questions.
It did take us just over 30 days to close, but we kept our locked rate and ultimately couldn’t be happier with how it turned out. I would heartily recommend eLEND, both for their low rates and low fees, but also (surprisingly) because working with Kyle felt just as secure and personal as meeting with someone face-to-face. Probably even more so, since he was so consistently helpful and attentive from start to finish. Thank you Kyle and thank you eLEND!
We used Lending Tree to find the lowest rates and picked ELEND over everyone else.
They were upfront with the rates and fees. We got a really good 15 year rate of 2.75 % with no points because of our credit scores.The online process was really nice and easy.