WesLend FinancialAvis 

Greetings! Mike Rael did a fantastic job guiding me through the refi process. Due to Covid-19, there was quite a delay, however. The only reason I didn't rate a 5-star is that's perfection & virtually impossible; and also the communication Mike provided was sometimes delayed. I think he was slammed during covid as everyone was refinancing & selling. When I didn't get the desired interest rate, Mike not only called & emailed me but explained it well with no condescending remarks. Sometimes loan officers are rushed, but Mike's very thorough & knowledgeable. Combined w/ Gigi K., the processor, they make a winning & expert team! Kudos to Mike & Gigi for walking me through the refi process and being so professional & polite.

It is always a pleasure dealing with Lenox. The service is professional, they lived up to their promises and my loan closed as expected without any difficulties. Special thanks to Mike Rael and Gigi Kyritsis for making this an easy experience.

Blythe provided us with fantastic service and the best rate of any lender. Knocking off 1 star because it took more than 2 months to get to closing.

I'd stay away! After initially being convinced this was my best option to proceed with for a refinance, 180 days later I am sorely disappointed in my choice.

To begin with, it took approximately 90 days to close this refinance. I submitted the required documents within 3 days of being requested...My submittal was glanced over somehow only to be figured out three weeks later when I circled back with the mortgage analyst. Their initial closing estimate was 30 days or less. After that mishap, Weslend took an additional 60 days to have all the documents reviewed and a closing set up due to their inability and ineptness to hire appropriate personnel to meet the demand of the markets low interest rates.

After all of that, my closing was missed because the attorney never received the closing documents on the prior day from Weslend's processing department. Finally, three days additional, Weslend was able to find another closing attorney and supplied them updated closing documents in a timely manner.

The icing on the cake... the loan closed the last day of the month and was not funded until the following month. In short, the mortgage analyst sent me an email stating by 1st payment was not due for the standard 30 days from when the loan funded. I thought all was well after that email until I received statements from their servicing department stating that I was behind on a payment. A few emails back and forth and I was assured by the mortgage analyst my account was in good standing. A month later however, another statement stated I still had an outstanding payment due. A few more emails between the analyst, closing, and servicing they finally identify the issue of the closing date vs. funding date.

The gist...an inability to communicate with internal departments at Weslend has led to my credit being hit and a surprise mortgage payment due! Of course, no apologies are given. Just emails on a Friday afternoon saying my credit will be hit if payment is not received over the weekend. When I call on a Friday around noon to servicing and the analysist in an effort to figure this out, of course no reply by either via phone or email.

The process took a bit longer than I expected. Blythe did everything I expected and required and was always available. Great customer service

Great experience with Mike Rael and Gigi! The process was smooth, clear and easy which is why this wasn't my first refinance with them or my last. Thank you guys!

Mike and Gigi are extremely wonderful people to work with. Always professional, friendly and efficient! A relationship built on trust and I look forward to working with them for years to come. I have and will continue to refer Mike and Gigi to my friends and family for any financing needs.

Brad has closed three loans for us now. Love him!

He is so quick and tactical, it's the most refreshing experience I have ever had with any kind of financial professional.

Brad and all those involved in my refinance were so great. The process was so smooth. They always kept me up to date and got back to me very quickly. I would definitely recommend them!

I had a good experience with WesLend Financial.

Mike Rael and his team at WesLand Financial are simply outstanding. They explain the process, and options available, in a very detailed and easily understandable way. They keep you updated as the process moves forward. And, they always stand behind their commitments.

Our most recent refinance with WesLand was our third in as many years. That pretty much says it all.

We highly recommend WesLand financial.

Lenox financial was great to work with, very friendly and knowledgeable. Brad Cejka was awesome, he always kept us updated through every step of the process and was always available for questions, never had to wait to hear back from him. Our loan processor Veronica was also wonderful to work with. We highly recommend them.

Everything went as originally discussed on our loan closing. Closing fees, points & expected mortgage payment all came in under the original estimate. I appreciate everything Brad in his staff did to get our loan closed! We saved $300 a month on our home payment and paid off over $40,000 of personal debt..this was a life saver and changed our financial future immensely!

Very happy with Brad and Veronica!
Lenox promised everything and came thru on those promises. It took a little time getting funded but my overall experience was amazing. This is the 2nd time I used Lenox and Brad Cejka who is very articulate when dealing with me a i know I'm not a easy person to deal with. I recommend him to anyone that is looking for a mortgage or refinancing their current mortgage. Thanks Brad for everything. I'm sure I'll be using you in the future.
John Cocco

Slow, too many broken promises to enumerate, lies, awful internet. SLOW.
If negative stars an option I would give 5 especially after reading g their insipid response
Avoid Westlend/Lenox at all costs
Their rates and fees are market no better than Wells, Chase, AmeriSave, etc.
Their underwriters are not trained.

Don’t use this company. We applied for a refinance. They never told the truth about a closing date. They constantly moved the date. From my sales person to the processor to the sales supervisor all I would get is that we are almost across the goal line. The problem is that they constantly moved the goal line. They would ask for documents, then more documents and after I sent them I had to call them only to hear we never got what you sent, twice. The processor told me he could not get in touch with my insurance company for the homeowners endorsement for 2 weeks, when he finally told me I got it done in one day. I gave them an end date before I canceled the deal. It came and went. I told them to cancel the deal and their response was the needed to run another credit report since the first one expired. I called the supervisor who told me he was out with Covid but would get in contact once he felt better. Never happened. Called the corporate office to talk to a customer service person to relay my experience, twice, but calls are unanswered. If you want massive aggravation use them. You can see by their lack of customer service reply’s they could care less about you. And oh yes, I was smart enough to check with my homeowners insurance company and they removed my current mortgage holder, replaced it with their company and never correct the situation.

Great rate. No nonsense process. Seamless. Thank you!

If you want an easy and quick refinance experience avoid Lenox Financial Mortgage Corp. I withdrew my application five months after applying and contacted a different mortgage company which had my loan funded in about five weeks. If you are interested in the details you can keep reading.

I first applied for a refinance loan on 7/31/20. There was nothing unusual about my refinance and would be the third refinance on this house as interest rates have fallen. My credit rating is Excellent. I submitted all the requested documents within 5 days and I also signed or eSigned all disclosure documents within a couple of days of them being sent and finally on 9/29/20 I received notice my loan had been approved. The process took so long that I had to resign some disclosure documents. Then my loan was assigned to a loan processor and a loan underwriter for final processing. All communications with the underwriter had to go through the loan processor. The loan processor didn't contact me until 11/13/20 and then began the real nightmare. It seemed like each day I would receive a request for a new document. Sometimes it was a request for documents I had already submitted because the original documents became outdated.

My house is in my family trust and thus began the demand for trust documents. Then they decided they didn't like the wording in the trust. The trust was prepared by a law firm with over 40 years of trust experience but they insisted on modifications. That was the final straw and FIVE MONTHS after applying on 12/22/20 I withdrew my refinance application.

I contacted another mortgage company on 12/22/20 and to make a long story short my refinance loan funded on 1/29/21 with similar terms.

Worst refinance company ever. Run from them.
They will never close a simple transaction that required no cash out just straight term and rate with a customer who has credit rating above 740. After 5 months and they still could not close after multiple go back. Had to cancel and move on from the loss of my time.

Mike Rael and his team exceeded my expectations. They work quickly and efficiently. They communicated with me often to keep my in the loop as my loan process was progressing.