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Waste of time
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Spoke to senior lending officer and initially had showed great interest in my business. Assured that unlike other brokers, he has more experience and will take care of my application personally. Also, said that company’s average process to close is about 30 days. Two months later, after passing on other lender offers and after Ladera got two appraisers (first one, I had to reach out to myself only to tell me he can not to the job and second, jacked up the price to $1200, agreed to do the appraisal only to say she can’t come up with service due to inexperience with type of property), then officer informs me Ladera will not proceed with the already pre-approved loan and doesn’t seem to remember previous conversations ... in fact, the day he declined the loan, I got an email saying ... “glad we connected, now let’s start your loan application”. Oh ... and not only that, appraiser charged me the fee even if services were not rendered ... Ladera officer says ... unfortunately, you will have to ask for the refund yourself.
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