LoanLeaders of America Inc.

First and foremost I have to agree with some of the bad reviews regarding Loan Leaders of America. The staff members from top to bottom are not organized, rude and have significant delays in responding to their customer’s questions, concerns and needs.
We struggled to resolve our issues with Loan Leaders for several weeks. Often left without answers and solutions from Loan Leaders. Continued efforts were made by my wife, myself and our realtor and when Loan Leaders would get around to calling us back a staff member would only provide feedback indicating that their department could not handle our questions or address our needs.
We were bounced around to so many different staff members that our paperwork was often misplaced or lost in their system. We had to escalate our complaints which included calls to upper management, but again it went without any measures towards resolution. The staff members simply operate with poor communication and without any respect for the customers concerns.
Management placed the blame on us for all the confusion, however our realtors were met with same frustration and poor service. If it were not for our realtor we would have lost the purchase of a home we loved. Our realtor had countless emails and calls placed to Loan Leaders that were never responded to or addressed. In addition Loan Leaders initially constructed the loan under a conventional mortgage and later switched the loan to an FHA mortgage, which almost cost us our new home due to the fact that the buy/​sell agreement was not written up as an FHA mortgage.
As the weeks passed our realtor advised us that she did not believe Loan Leaders were going to meet the closing deadline. We made the switch and thankful we did. With three weeks to go we left Loan Leaders. Loan Leaders Manager called and tried to persuade us to stay with his company, however it was time to move on. The manager then started to get rude and placed blame on us and our realtor, truly childlike fashion.
Needless to say the new lending company with excellent care and customer service swiftly moved us through the process and we closed on the loan.
Loan Leaders of America our difficult to work with and I would recommend choosing another company for your mortgage needs.

Nick Amato provided outstanding service for my second mortgage refinance. The first one, years ago, went great as well. Nick’s proficiency with numbers and his thorough understanding of the different aspects of the entire process enabled him to provide complete and timely information and options so that I was able to make well informed decisions. They also provided excellent service in the processing of my loan. Great teamwork!

Anyone considering refinancing their mortgage should contact Nick Amato.

Nick,
I am writing to commend you on a job well done in securing a much-​needed refinancing loan for my parents.
From your first telephone call in response to my initial e-​mail, and on to the closing of the loan, we were
met with nothing but courteous and proficient professionals. Adding to our pleasant experience was
your polite, personable telephone demeanor, display of an extensive knowledge of the mortgage
industry and the tenacity to find a way to help us. Ultimately, you became the key to our deciding to
trust your company with this aspect of our financial future.
Just a few weeks ago, our future was bleak, as a result of an interest-​only loan attached to a huge
increase in monthly payments about to become due, our home’s value deeply sinking underwater, my
dad’s job closing, my mom’s stroke, and my disability. Frankly, we were on the verge of losing our
home! Fortunately, your dedication toward finding a resolution for us led to a swift and smooth
application process and closing, just as you had promised.
Nick, it would have been easy for you to have simply ignored my initial email. Thankfully, you took on
the challenges I presented and went the extra mile to also protect our dignity. By that I mean, we never
felt «shamed» by you for our having come upon difficult times. For lending not only your business skills,
but also your heart, we thank you. Your actions should certainly serve as a model to be followed by
other client-​focused, forward-​thinking companies like yours.
Again, we are equally grateful for your steering this loan toward a successful conclusion and for the
beginning of what we expect to be a rewarding business relationship with our family. We wish God’s
best blessings for you in all that you do going forward.
Sincerely,
JANET HOOD
On Behalf of the Hood Family

This company utterly wasted my time, costs an unnecessary credit inquiry on my credit report potentially affecting my FICO, and also could not be trusted with what they even wrote in their communications to me about their loan commitment. Will the same happen to you? Beware. Here is in effect what I had to write to my realtor apologizing because of their poor conduct: [Today, I just saw James Tennell’s message [of LoanLeaders of America] indicating he cannot accommodate the occupancy request. I must apologize. As the email chain attached hereto clearly indicates, on Sun, Nov 22, 2015 at 12:36 PM, at the very outset and in my very first email inquiry, I did advise him of the low owner occupancy issue of this property and as you can see from his response the next day on Mon, Nov 23, 2015 at 10:50 AM, he nonetheless stated as a senior investor mortgage officer for his company that he could assist me with the purchase of this property. Only until now, has that representation now abruptly changed. Of course, this issue with them does not appear to be an isolated event. After doing a credit check of my credit score and a lengthy process of gathering and evaluating my loan documentation, he also initially represented a different rate of 5% in his email to me rather than the 5.53% he now offered in his approval letter. Therefore, I apologize LoanLeaders of America has apparently misrepresented… their commitment on more than one occasion and consequently wasted your valuable time, my time and that of the seller these past 11 days. That is most regrettable and unbecoming and I trust that aforementioned practice will reflect poorly upon their standing in the professional and customer care community. ] If I were you, I would, based on the foregoing, and their reviews, avoid this company at all possible costs.

Recently, I bought a house and Helen Kim was my loan officer. She deserves more than five stars! Her job skill is super in everything — quick response, accurate information, timely follow up, etc. I wish she was my agent, too :-)
Here Unilocal reviews really blessed me to have her. I strongly recommend her to everyone who looks for a loan officer.
P. S. Even she visited my home to get signs on the final documents with a notary guy! Please, don’t expect this special service for all. Because she lives nearby my home, she could do it when she was on her way to home. What a great service!

We had an excellent experience with LoanLeaders and our mortgage professional, Helen Kim. The process was seamless and we always felt that we were in the best hands. If you want to work with a team that is smart and moves quickly and efficiently, go to LoanLeaders and ask for Helen Kim. You won’t ever need to look for another.

Extremely helpful and professional, I called in regards to making my first purchase on a home and got all my questions answered. Im looking forward to doing business with them!

Can I say how rude these people are. When I was told that they would get back to me and follow up, they never did. The girl Vanna and her customer service was awful. She was rude over the phone. I emailed her and her boss, John I believe, and neither of them emailed me back. Very disorganized and rude.

I’ve used Loan Leaders of America when I bought my house and then the 2 refinances afterwards. I got the rate they promised at the price they quoted without any surprise fees. My friends have horror stories about using other mortgage companies who bait and switch them, which has NOT been my experience here. I’ve sent family to them because I am always pleased with their staff and service! A+ all the way!

Loan Leaders of America is my go to mortgage provider for all my clients needs. As as real estate broker it is vital to have a mortgage partner who can get my clients the home they want in a timely manner. Loan Leaders go above and beyond to make that happen. My clients become Loan Leaders lifetime clients because of the service and excellence they experience. I highly recommend Loan Leaders entire staff to anyone looking for a higher caliber experience!

I did a lot of research for my refinance and talked to a lot of different local and national mortgage companies. At the end Loan Leaders of America was the one I went with and I have zero regrets. They were very professional, transparent with all their communications and quick.
My refinance was completed very quickly and smoothly. I would highly recommend this great that has been around for a long time to anyone looking to finance a purchase or refinance their existing mortgage.