The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Lenox Mortgage Review 2021

Find a customized quote easily

Reviews 458

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Patrick Sather
Patrick Sather
Jul. 22, 20214 min read

Lenox summary

Lenox Financial Mortgage Corporation is licensed to provide mortgage solutions in 39 states. Services include fixed-rate loans, ARMs, jumbo loans, FHA, VA, and USDA loans, and refinancing. If you are a first-time homebuyer, you can qualify for a 3% down payment. In addition, Lenox offers a no closing cost loan option in every state except Washington. Conventional loans require a minimum credit score of 620 and are capped at $548,250.

Pros

  • No closing cost loans
  • First-time homebuyers program
  • Chat and pre-qualify with a loan officer online

Cons

  • No closing cost loans unavailable in Washington
  • $548,250 limit on conventional loans
Lenoxat a glance
3.8

Editorial score

Customer Service and Support

Chat directly with a loan officer

4.0

Variety of Loan Types

Purchase, refinance, jumbo, FHA, VA, USDA

4.0

Variety of Products

10-30 years; 5/1, 7/1, or 10/1 ARM

5.0

Online Experience

Rates are easily accessible

3.0

Geographical Availability

Available in 39 states

3.0

Lenox Lenox Visit Lenox

Overview

Since 1999, Lenox Financial Mortgage Corporation has provided mortgage services in 39 US states. It offers fixed-rate mortgages, ARMs, jumbo loans, VA, FHA, and USDA loans, and refinancing. In addition, you can apply for a no closing cost loan, but this option is not available in Washington. Although conventional loans require a 5% down payment, first-time homebuyers can qualify for a loan with a 3% down payment. The minimum credit score for most loans is 620. In addition, the upper limit for a conventional loan is $548,250.

Lenox does not provide services in:

  • Alaska
  • Delaware
  • Mississippi
  • Nebraska
  • Nevada
  • North Dakota
  • South Dakota
  • Vermont
  • West Virginia
  • Wisconsin
  • Wyoming

Suitable For?

A Lenox Financial Mortgage Corporation loan is suitable for first-time homebuyers who want to pay lower closing fees. While most conventional loans require a 5% down payment, Lenox allows first-time homebuyers to qualify for a 3% down payment. In addition, with its no closing cost loans, you can avoid paying any fees at closing, although the APR on your loan will be higher if you choose this option. 

Types of Loans/Products

Lenox offers fixed-rate mortgages, ARMs, FHA, VA, and USDA loans, jumbo loans, no closing cost loans, and refinancing. Fixed-rate loans come in 10, 15, 20, 25, and 30-year terms. Meanwhile, ARMs are available in 5/1, 7/1, and 10/1 terms. The APR for a 15-year fixed-rate loan starts at 2%, while the APR for a 30-year fixed-rate loan starts at 2.625%. 

Lenox Financial requires a minimum credit score of 620 for conventional loans and 700 for jumbo loans. Although most conventional loans require a 5% down payment (10% for jumbo loans), first-time homebuyers can qualify for a loan with a 3% down payment. In addition, Lenox’s no closing cost loan grants you the option to avoid paying closing costs in exchange for a higher interest rate.

  • Minimum credit score: 620 
  • Terms: 10, 15, 20, 25, and 30-year fixed
  • APR: 2% (15-year fixed), 2.625% (30-year fixed)
  • Minimum down payment: 5% (3% for first-time homebuyers)
  • No closing cost loans: Yes

The Application Process

Steps to apply for a loan through Lenox include:

  1. Pre-qualify online or over the phone
  2. Complete your application
  3. Choose from eligible loan options
  4. Submit supporting documentation
  5. Close on your loan

You may be required to submit the following documentation:

  • Your most recent month’s pay stubs
  • Tax returns and W-2s for the past 2 years
  • Bank statements, mutual fund holdings, and investment portfolios

The average loan through Lenox takes 30–60 days to complete, so make sure to submit your documentation on time to avoid delays.  

Repayment Terms

With Lenox Financial, fixed-rate loans are available in 10, 15, 20, 25, and 30-year terms. ARMs come in 5/1, 7/1, and 10/1 terms. The APR for a 15-year fixed-rate loan starts at 2%, while the APR for a 30-year fixed-rate loan starts at 2.625%. However, terms and rates vary, and the limit for conventional loans is $548,250. 

Help & Support

You can contact Lenox Financial via phone from 8 am–5 pm PT, Monday–Friday. Support is also available via email at loanservicing@lenoxhomeloans.com.

If you would like to see if you pre-qualify for a loan, you can chat with a loan officer through the chat feature on Lenox’s website. 

Summary

Lenox Financial Mortgage Corporation provides direct mortgage lending services in 39 US states. The available services include fixed-rate mortgages, ARMs, jumbo loans, FHA, VA, and USDA loans, and refinancing. With Lenox, first-time homebuyers can qualify for a 3% down payment instead of the traditional 5% on conventional loans. In addition, Lenox offers a no closing cost loan option, which removes closing fees in exchange for a higher APR. The minimum credit score for a conventional loan is 620. The upper limit on conventional loans is $548,250, and rates on 15-year fixed loans start at 2%, while 30-year fixed rates start at 2.625%.

FAQs

How much money do I need to buy a house?

Conventional financing requires a 5% down payment, but first-time homebuyers may qualify for a 3% down payment. In addition, certain options have special requirements, such as FHA loans which require a 3.5% down payment.

Is home loan assistance available?

Yes, if you are struggling to pay your mortgage, you can apply for home loan assistance over the phone or in writing.  

What happens at loan closing?

At loan closing, you will sign all the required documents in the presence of a notary and pay any remaining closing fees via check or wire. 

How long does it take to buy a home?

Most Lenox Financial loans take between 30 and 60 days to close.

Physical Address 

200 Sandpointe Ave, Santa Ana, CA 92707

Lenox Lenox Visit Lenox

Methodology

Information for this review came from Lenox Financial Mortgage Corporation’s website, online reviews, and conversations with loan officers. 


Patrick Sather
Written byPatrick Sather

Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

Lenox
Lenox
ExcellentReviews 458

Top 5 Mortgage Loans

Quicken Loans

Quicken Loans

Visit Site
Rocket Mortgage

Rocket Mortgage

Visit Site
AmeriSave Mortgage

AmeriSave Mortgage

Visit Site
LendingTree

LendingTree

Visit Site

Trustpilot reviews

See what some costumers are saying about Lenox
Lenox
ExcellentReviews 458
on
Excellent
77%
Great
8%
Average
3%
Poor
2%
Bad
10%
  • author
    Steve Helgeson
    Sep 24, 2021
    Van Ngyuen and Kiley Shank are two of…

    Van Ngyuen and Kiley Shank are two of the nicest most efficient and honest people I’ve ever dealt with. They know their jobs inside and out and are quick to answer any concerns that I may have had. And even though my loan has closed they still take the time to help me with any questions I may have. They don’t forget their customers!

    ...

  • author
    Randy Els
    Sep 07, 2021
    Dishonest at best

    Initial conversation was 2.1% and when it was nearing the finish line it was now 3.125%... My net worth over a million, virtually no debt and pulling over $200k yearly. They stated my debt to earnings were too low... but with a higher interest rate I was fine. truly laughable. Don't deal with these people. Find someone in your community that you can look in the eyes and have a fair/honest transaction. Randy in Texas

    ...

  • author
    Mark Magnus
    Aug 31, 2021
    total bait and switch attempt

    Was quoted today by loan officer 3.125% rate with zero closing costs after lender credits. I sent in all my paperwork as requested and then when I got the Truth in Lending statement there was $1650 in fees after credits. I confronted my loan officer regarding what he had quoted me in comparison to his disclosure and he danced around the answer then tried to blame it on a mid day price increase. I told him I called BS on that. As a prior 25 year veteran from the mortgage industry, I know how to read loan disclosures and could tell a bait and switch when i see one. I ultimately told him to cancel my application as I no longer trusted him with my refi.

    ...

  • author
    SDHob
    Aug 28, 2021
    Good experience

    Our experience with Lenox/WesLend was a positive one. Both Kiley Shank and Van Nguyen were communicative and helpful throughout the entire process. It was also a pretty quick turn around which we appreciated.

    ...

  • author
    Stacy Auka
    Aug 06, 2021
    This was my first time refinancing my…

    This was my first time refinancing my mortgage and Joseph Medina and Van Nguyen with Weslend Financial were extremely helpful, very professional and answered all of my questions. I was very impressed with their knowledge and services, they answered my emails right away or they called me to make sure that I received the information requested. The whole process took about 41/2 weeks from start to finish! I would highly recommend them to anyone who would like to refinance their mortgage!

    ...

  • author
    David Grinvalsky
    Jul 15, 2021
    Simply the BEST!

    I've worked with a number of lenders over the past 4 years and WesLend was by far and away the best. Very thorough process, helped us correct a few mistakes other lenders missed or more likely overlooked and ignored. Van Nguyen and Kiley Shank were excellent to work with. Explained the entire process in terms we could understand. They were also very patient, understanding and great communicators. We hit a few bumps in the road but they stuck by me every step of the way. Couldn't be happier with the level of service, very refreshing experience.

    ...

  • author
    customer
    Jul 04, 2021
    My Experience

    Overall, everything went well and in a timely manner. There was good communication with the loan officer. The only area where I thought could have been a little different is the interest rate. I thought the rate could have been lower without having to buy it down.

    ...

  • author
    customer
    Jul 04, 2021
    Brad was great at keeping the process…

    Brad was great at keeping the process simple and fast. Much appreciated.

    ...

  • author
    Robert Leavitt
    Jul 02, 2021
    Brad did an excellent job

    Brad did an excellent job! Excellent communication throughout the process. I will gladly recommend Brad and Weslend .

    ...

  • author
    Eugene Sully
    Jun 29, 2021
    GREAT EXPERIENCE WILL USE YOU AGAIN

    GREAT EXPERIENCE WILL USE YOU AGAIN

    ...

  • author
    MICHAEL CHAVEZ
    Jun 27, 2021
    Lenox was great

    Joseph Medina was excellent in getting our mortgage refinanced.There are a lot of companies out there.I would highly recommend Lenox financial.Joseph was always available to answer any questions we had.The entire process was very smooth and easy due to his superior customer service.He was even able to save us money at the very end of the process.

    ...

  • author
    Paul
    Jun 10, 2021
    Westland Refinance

    I have refinanced many times. This refinance had more paperwork (60+pages) than I have ever had on a previous refinance. There were numerous times back and forth with paperwork, extending the time to complete the process I wanted to cancel the refinance many times, fortunately Brad kept me calm and I got thru the process. ---PAO---

    ...

  • author
    Sari
    Jun 09, 2021
    Jozynne Marbas was our personal…

    Jozynne Marbas was our personal mortgage advisor, she did an excellent job keeping us informed of the entire process. The text message notification system worked well for me and I was reminded of the deadlines and which forms needed to be signed. She is a great communicator. She explained complex matters in easy to understand details. Thank you for all your hard work.

    ...

  • author
    Consumer
    Jun 04, 2021
    Wonderful Experience

    Brad Cejka and Veronica were very helpful with the loan process , they answered all my question's promptly. I would highly recommend Lenox Financial Mortgage Corp. to anyone that might be considering purchasing or refinancing a home.

    ...

  • author
    LJ
    Jun 03, 2021
    Satisfied Clients

    Brad Cejka was our mortgage advisor. Because of his professionalism and expertise, the process for our refinance was conducted smoothly from start to finish. Brad exceptionally assisted my husband and me by always being forthright and informative. Additionally, he responded to our concerns in a timely manner and kept us updated throughout the process. We found our processor, Veronica to be very responsive and efficient as well. My husband and I look forward to working with Brad again in the future.

    ...

  • author
    Greg S.
    Jun 02, 2021
    Jozynne Marbas is a friendly and…

    Jozynne Marbas is a friendly and efficient loan manager and provided us with great service while refinancing our home.

    ...

  • author
    Jane Williams
    Jun 02, 2021
    Blythe Cejka was my loan officer

    Blythe Cejka was my loan officer. She was delightful to work with throughout the entire process! She explained everything that I would need to gather and provide. Blythe was available and responsive whenever I had a question. She is very professional and handles all steps with ease. She was very proactive in keeping me informed of the process timeline. She provided almost daily updates of where we stood. Although the application was handled electronically, I never felt that I was just a number to her. She arranged fir the appraisal very quickly. Appraisers that I had called were scheduling at least a month out. The appraiser was onsite in 3 days! Amazing! They even sent a notary to my house for the closing! Blythe is truly an asset to the WesLend group. She is knowledgeable, professional, understanding and always available. I could NOT have had an easier or less stressful experience.

    ...

  • author
    DOUGLAS
    May 31, 2021
    Another great experience with Lenox /…

    Another great experience with Lenox / Weslend. The initial screening was efficient, followup was prompt, and the closing handled very quickly.

    ...

  • author
    Margaret Pursell
    May 27, 2021
    Good experience

    Quick and professional. Made the process easy

    ...

  • author
    customer
    May 27, 2021
    our loan officer took good care of us…

    our loan officer took good care of us in getting our loan closed with no problems and very fast . thank you so much . please dont sell our off to some debt collector place like i always end up with.

    ...

  • author
    Daniel Mullis
    May 27, 2021
    It was a pleasure working with William…

    It was a pleasure working with William and Van, they made it a seamless process and stayed on top of everything. Always quick to answer any questions and always in a good mood. Thank y’all for everything and will advise anyone looking to buy or refinance, to ask for one of you for all their home buying needs.

    ...

  • author
    Shawn I Harrington, DC
    May 25, 2021
    Great company to work with!

    I'm very pleased that Brad Cejka contacted me and offered to lower my interest rate saving me a few hundred dollars per month. He was easy to work with and it was relatively easy to refinance. His assistant Veronica was really nice to work with also. Good communication all around. Thank you!

    ...

  • author
    customer- james
    May 13, 2021
    Fantastic service

    Fantastic service. Amazing communication and the process was smooth and seamless completely stress free. Not to mention super quick closing. Thank you will refer customers

    ...

  • author
    customer
    May 07, 2021
    Brad Cejka

    Brad Cejka, Veronica were both great.2nd time with using Lenox.Would used again.

    ...

  • author
    Bill Morgan
    May 06, 2021
    Everyone was awesome Brad helped me…

    Everyone was awesome Brad helped me above and beyond great experience

    ...

  • author
    Vince M
    May 06, 2021
    Simply Amazing Service

    Simply Amazing Service. I wish I would have found WLF(WesLend Financial) before I started the journey of refinancing my home. Brad Cejka is who was assigned to my request. I had been told the same story by 5 other lenders that I would have to cash out to refinance. Brad discussed other options that the other companies never even mentioned to me. The goal was moving two a main and a secondary into the low interest rates that we have going now and Brad at WLF was able to do that for me. I can't say how much money he saved us in interest. I have no clue why the others were not as informed but Brad and WLF have earned a life long customer and I will tell everyone about him and this company. So if you found WLF ask for Brad and know that you will get the most knowledgeable mortgage adviser around. Thanks again Brad and WLF.

    ...

  • author
    Amir Aznavian
    May 05, 2021
    10/10 with Ray Martinez and Adan Guardado

    Ray Martinez and Adan Guardado are amazing to do business with. They both made my refinance process very smoothly and it was so fast to close than any refinance I have done before in the past with other companies. It took 9 days to clear to close and 17 days to close and fund the loan. Every single time I called Ray or Adan they picked up the phone right away and answered all my questions. They are both very polite, professional, and experienced. It was the best and stress free experience I have ever had refinancing my home. They were always available, proactive, and updated me consistently with my loan. Ray and Adan is who you should go with every time if you are thinking about refinancing with Lenox Financial. I have sent my own friends to Ray and Adan and they took care of them just like they took care of me. Truly could not thank them enough for all their hard work and dedication in helping me refinance my home. Thank you Ray and Adan for everything and it was a pleasure working with you both. A relationship built on trust and honesty and I look forward to working with Ray and Adan for years to come.

    ...

  • author
    Marc
    Apr 26, 2021
    10 stars.

    10 stars. It's extremely rare in 2021 to meet people who take their job seriously. I needed to refi quickly, and had already had a bad experience with Union Bank , so I was bracing for used-car salesman techniques. I hear Lenox ads all the time, so I've heard it all. But I called anyway. I met Sean Guiterrez, who was extraordinarily polite, professional, patient and diligent. Sean always answered the phone, responded to emails, and even weathered my frustration when underwriting kept asking for more documents. I had divorce documents to deal with, and he was great at handling sensitive issues. The refi closed in record time, (I believe 8 working days!!) , even with me traveling for work in the middle of this. Lenox, give Sean a raise before he gets poached away. Not kidding. My experience with Lenox is only as strong as it's people and Sean made it 99% perfect. Thank you Marc Atkinson

    ...

  • author
    customer
    Apr 23, 2021
    Refinancing my home could not have been…

    Refinancing my home could not have been easier. I've been hearing radio adds for years about WesLend Financial, so decided to give them a try. My loan officer was exceptional - found me a great loan package and was incredibly responsive. Great experience!

    ...

  • author
    Shane Butler
    Apr 21, 2021
    I cannot thank Brad enough!

    I cannot thank Brad enough for his help. This is our 2nd time using Brad and Weslend Financial. The process was quick from start to finish. Brad did a great job of communicating with me along the way. I will use WesLend again in future.

    ...

  • author
    D. Hammond
    Apr 20, 2021
    great and timely communication

    great and timely communication Accurate information provided. Quick turnaround on closing.

    ...

  • author
    Michael B.
    Apr 20, 2021
    Best Refi Experience of My Life

    I have done multiple refi's over my 25 years as a homeowner and I can honestly say this was the smoothest, quickest and overall best experience of them all. Brad Cejka was incredibly responsive from the first day of my inquiry all the way through the closing process in answering questions I had along the way. He secured us a great rate on a 15-year fixed rate mortgage. A big thank you as well to Veronica, our loan processor, who was instrumentally in executing this refi so quickly.

    ...

  • author
    Charles Olivarez
    Apr 19, 2021
    Easy process.

    Process was easy from beginning to end. Everything was well taken care of.

    ...

  • author
    Dan
    Apr 15, 2021
    Service was as advertised

    Service was as advertised - all about the customer - open & honest - no point, no fees no costs! I'll be back!

    ...

  • author
    customer
    Apr 13, 2021
    Jozynne Marbas is the best

    Jozynne Marbas is the best! Incredible attention and service!

    ...

  • author
    customer
    Apr 10, 2021
    Brad Cejka was on point with every…

    Brad Cejka was on point with every question I had and the whole transaction went smoother than I can imagine. Great job!!!!

    ...

  • author
    Tom and Beth D
    Apr 09, 2021
    Happy we switched to Weslend

    We inquired about refinancing with weslend and received an almost immediate response from Brad Cejka. He was very helpful and informative. He answered every question we asked at all hours of the day immediately, including some non-refi related questions. He made it very easy to apply with little effort on our end. Our loan processor, Veronica Hall, was also great to work with, also responding quickly to questions. The whole experience was easy, quick and fantastic. We are very happy we switched to Weslend. Thanks again Brad and Veronica.

    ...

  • author
    Mike
    Apr 09, 2021
    I will be back!

    My refinance experience with Brad and Veronica was everything I wanted it to be. From the outset, Brad took the time to explain the process thoroughly and was very helpful along the way with any questions or concerns I had. I never had any issues getting a response from Brad regardless of the day or time. I do know that any loan officer on the front end is only as good as the loan processor on the back end of the process. That being said, Veronica did her job well, with ease and efficiency. Any surprises that popped up along the way, Veronica reached out immediately so we were able to take care it and not disrupt the process and agreed upon timelines. Brad will be my first call for whatever mortgage needs I have in the future.

    ...

  • author
    Krishna Maharjan
    Apr 07, 2021
    It was great working with Mortgage…

    It was great working with Mortgage Advisor Brad Cejka and loan processor Veronica Hall from Lenox Financial. The most I like working with them is the quick process.

    ...

  • author
    Monte Strotheide
    Apr 02, 2021
    Blythe was very helpful

    Blythe was very helpful, always provided updates, and kept the process moving. She was very professional and made sure all my questions and concerns were addressed and answered. .

    ...

  • author
    Terry C
    Mar 29, 2021
    GREAT experience on my home ReFi Loan… (Repeat customer)

    GREAT experience on my home ReFi Loan with WestLend Financial. This is the second time that I used them for a home ReFi loan. When I was ready to refinance again I just contacted my loan officer, Brad Cejka, who assisted me about 5 years ago and he is excellent to work with. He got the ball rolling and walked me through every step. Along with Veronica who processed my loan I couldn't have asked for a better team. They gave me all my options, answered all my questions and explained to me anything I didn't understand. My loan closed without a hitch and in a very timely manner. I highly recommend WestLend Financial and if you can work with Brad and Veronica you won't be disappointed.

    ...

  • author
    customer
    Mar 29, 2021
    Great experience

    My rep kept me in the loop and everytime I called her, she answered, never had to leave a message, always quick to respond to my questions . She was great. They got me the lowest rate out there possible. We had a pleasant experience..

    ...

  • author
    Connie B
    Mar 27, 2021
    I would recommend WesLand financial for…

    I would recommend WesLand financial for a mortgage loan...our particular refinance took a longer time to get funded, but we had excellent customer service from Brad Cejka. Every question was answered in a very timely matter and he made this refinance go as smooth as possible. I appreciate his attention to detail.

    ...

  • author
    MICHAEL PACE
    Mar 26, 2021
    Brad was AWESOME!!!!!

    Brad was great. Upfront, honest, and to the point. He wont sell you dreams and fairy tales. You know where you stand at all times. He tells you whats needed to get your loan processed. I talked with Brad during a very stressful time, even took some frustrations out on him. The man is a saint, patient and effective. Veronica, my loan processor, worked around all obstacles and came up with solutions to every issue that arose. Even when I did all the wrong things, she was there to right the ship. This was the most professional and personable experience I have ever had getting a stressful task completed. They have earned my business and respect for life. They may not want it, I was a pain in the butt and I know it, but they have it.

    ...

  • author
    Susan Pancake
    Mar 26, 2021
    Professional and Proficient

    Brad Cejka and his processor Veronica are rock stars. From the initial inquiry thru closing they were professional and proficient.

    ...

  • author
    customer
    Mar 25, 2021
    Great service

    Brad walked us through the loan process step by step. He made sure we understood and was always available to get answers.

    ...

  • author
    customer
    Mar 23, 2021
    Great refi experience with Brad Cejka

    Great refi experience with Brad Cejka. He always had time for my questions and was there every step of the way. I got a great rate and got exactly what I was looking for. Highly recommend.

    ...

  • author
    Robert Schrader
    Mar 18, 2021
    From start to closing

    From start to closing, WesLend was great! All of the information needed was provided timely and efficiently. All of my questions were promptly responded to along the way. Everything went very smoothly.

    ...

  • author
    Dancer
    Mar 17, 2021
    We were very satisfied with the service…

    We were very satisfied with the service we received working with Westland Financial in completing a home mortgage ReFi. Our loan adviser, Brad Cejka, who was very knowledgeable, always kept us informed and readily available to answer any question or concern we had. Our loan processor, Veronica, was very quick in getting our ReFi through the close of Escrow procedures efficiently. The only thing we were disappointed in was that we were not unable to get the ReFi with "No Closing" costs.

    ...

  • author
    customer
    Mar 16, 2021
    We are so grateful to be apart of your…

    We are so grateful to be apart of your group. The best service you could ask for.

    ...

  • author
    customer
    Mar 16, 2021
    Brad was wonderful

    Brad was wonderful! Very efficient! Easy to work with and explained everything so well! Would highly recommended!

    ...

  • author
    Alsquare LLC
    Mar 16, 2021
    Good follow through and help where…

    Good follow through and help where needed.

    ...

  • author
    STEVE SCHIENI
    Mar 16, 2021
    Brad Cejka and Veronica Hall

    Brad Cejka and Veronica Hall handled our refinance in a professional and efficient manner. All of our items were handled thoroughly and promptly. It was indeed a pleasure to work with them and the WesLend Financial team.

    ...

  • author
    customer Scott
    Mar 16, 2021
    Brad Cejka was with me from the moment…

    Brad Cejka was with me from the moment I began and Brad answered every call I made to him. Very experienced and well spoken. Really liked Brad, Consider him a friend.

    ...

  • author
    Peter Dunn
    Mar 16, 2021
    Horrible Follow Up

    Service and follow up rank as the second worst experience in mortgage application just behind Wells Fargo. The initial discussions with the contact person were very good but all of sudden it was crickets, no follow up. When I finally was able to get hold of my mortgage person, I got a BS story which was basically an excuse for my application falling through the cracks. To make matters worse, the original rate which brought me to this company was no longer available. I requested to be contacted by a manager or director to express my concerns and disappoint (twice by email and once verbally) with no follow up. I went to another company, Cardinal Financial, and so far the service has been great. Buyer beware...don’t believe the advertisements, this organization rates a zero in follow up.

    ...

  • author
    Mark L.
    Mar 15, 2021
    Happy repeat customer.

    My refinance last year with Lenox went so well that I chose to refinance with them again. Brad Cejka kept me informed of all updates via phone, email and text so I would know immediately what was happening no matter where I was.

    ...

  • author
    Patricia
    Mar 05, 2021
    Weslend Lenox Home Loans

    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.

    ...

  • author
    Paul Nealey
    Mar 05, 2021
    It is always a pleasure dealing with…

    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.

    ...

  • author
    customer
    Mar 02, 2021
    Great service and rates

    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.

    ...

  • author
    B K
    Mar 01, 2021
    I'd stay away

    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.

    ...

  • author
    Rich
    Mar 01, 2021
    The process took a bit longer

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

    ...

  • author
    Scott S.
    Feb 28, 2021
    Great experience with Mike Rael and…

    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!

    ...

  • author
    Jenn Lynch
    Feb 25, 2021
    Mike and Gigi are extremely wonderful…

    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.

    ...

  • author
    Dave Harig
    Feb 25, 2021
    Quick and tactical

    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.

    ...

  • author
    Kandal Riddle
    Feb 25, 2021
    Easy Refinance

    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!

    ...

  • author
    Alan M. Levin
    Feb 24, 2021
    I had a good experience with WesLend…

    I had a good experience with WesLend Financial.

    ...

  • author
    Jim Sims
    Feb 10, 2021
    Mike Rael and his team at WesLand…

    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.

    ...

  • author
    Alan and Bonnie Berk
    Feb 08, 2021
    Lenox financial was great to work with

    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.

    ...

  • author
    Brian Whitford
    Feb 07, 2021
    Great decision to refinance with Weslend/Lennox!

    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!

    ...

  • author
    John Cocco
    Feb 05, 2021
    Very happy with Brad and Veronica!

    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

    ...

  • author
    Richard S Burke
    Feb 18, 2021
    Incompetent slow

    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.

    ...

  • author
    David D
    Feb 04, 2021
    Don’t use this company

    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.

    ...

  • author
    customer
    Feb 03, 2021
    Great rate

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

    ...

  • author
    Gary
    Feb 03, 2021
    WORST REFINANCE EXPERIENCE EVER!!

    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.

    ...

  • author
    Lina K.
    Feb 01, 2021
    Worst refinance company ever

    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.

    ...

  • author
    MILLER, MATTHEW
    Feb 01, 2021
    Mike Rael and his team exceeded my…

    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.

    ...

  • author
    Tom J - Colorado
    Jan 31, 2021
    A great experience

    A great experience. I will use this lender again.

    ...

  • author
    Steve Jensen
    Jan 29, 2021
    Mike and Gigi were great to work with

    Mike and Gigi were great to work with. They are informational, honest, and professional. I'd recommend them to anyone looking to purchase a loan or refinance.

    ...

  • author
    Diane Carnahan
    Jan 27, 2021
    Mike Rael and Gigi Kyritsis were…

    Mike Rael and Gigi Kyritsis were efficient, great at communicating, keeping the process moving and supported our efforts to refinance four properties! Thank you! I will definitely recommend Lennox/Weslend and these two to others.

    ...

  • author
    Dayton Caddy
    Jan 26, 2021
    Mike and GiGi were both a rare find in…

    Mike and GiGi were both a rare find in times of today. Each time we connected along the way they treated me as if I was the most important client to them. A real class act! Thank you for the business!

    ...

  • author
    Scott
    Jan 24, 2021
    Not sure who is writing these glorious…

    Not sure who is writing these glorious reviews but they may be relatives of the employees!!!. My experience was nothing more than a frustrating adventure that took 5 months 8 days to process and close the simplest loan in history. They string you along with Every excuse in the book to why they don’t return phone calls or the delays. I provided everything needed day one asked for with in moments of them asking for. Lie after lie Including manager I spoke to. Loan officer rude and arrogant. If I was not worried about getting extra credit inquiries I would have gone some where else and started over. So, beware of doing business with Weslend/Lenox!!! Just a real consumers POV

    ...

  • author
    Bruce and Mary Cameron
    Jan 20, 2021
    Best Bank we have ever dealt with

    Best Bank we have ever dealt with. Thanks to Brad & Blythe Chekja they are the Best!!!!

    ...

  • author
    Christina Simmons
    Jan 10, 2021
    I will recommend Mike and Lenox

    Mike and Gigi were proactive and diligent about processing my loan. They were consistently in touch with me, answered all my questions and completed my home purchase faster than anticipated.

    ...

  • author
    Armando Sanchez
    Jan 01, 2021
    home loan

    Applied for a home loan WesLend Financial, Mike Rael and Gigi Kyritsis helped us threw the process and did a great job, they kept informed at all times. Until the loan was finished.

    ...

  • author
    Chad Woods
    Jan 01, 2021
    Mike and his team at Weslend Financial…

    Mike and his team at Weslend Financial have always delivered with flying colors. I just closed on my 5th loan with Weslend and their senior processer (Gigi) worked tirelessly to get everything processed on time even though she received the paperwork late. They are responsive, professional, and very pleasant to work with. I have recommended Mike and his team to my employees and friends. Weslend Financial has been and will be my go-to mortgage institution.

    ...

  • author
    customer
    Dec 30, 2020
    Great rates

    Great rates, easy closing in our home, great service.

    ...

  • author
    customer
    Dec 29, 2020
    Great experience

    Great experience, this is my second time using Mike and Weslend, very easy, they walk you through everything, explain everything. I would recommend them to anyone.

    ...

  • author
    Kevin S
    Dec 26, 2020
    Terrible Customer Service

    I spoke with Kiley Shank today Wednesday 12-22-20. Supposedly he is a SENIOR loan officer with 16 years of experience. He sent me my Loan estimate. I could not get any information from him like other companies about what he could do for us. When I asked him about appraisal costs and interest rates, he said I will go over that when your application comes back from underwriting. On Tuesday he text me and said the application went to underwriting it should be back in a few hours. I never heard anything until Wednesday he emailed the application to me. When I called him to discuss it, I was asking some basic questions, (sorry I do not do this every day) his response was, this stuff is common sense. I said now you are going to insult me. I could not believe this is coming from someone who is supposed to have good customer service in his line of work. Then he said what I was looking for was on page 1 or maybe 2, I am not sure. I could not find it. He said several times, I do not know what you are looking at but its right there. He said on page 3…, I said wait a minute is it 1,2 or 3. He said, there are 4 pages to a loan Estimate! Apparently, there are, too bad you, do not know, what information is on what page. The estimate is a fantastic deal “if” it really does close. According to these other posts Your company has issues. Your customer service sucks. He said when I get home I will email or call or take a picture UNDERLINE, HIGH LIGHT, BOLD PRINT, WHAT YOU, ARE TRYING TO FIND. I said so now you are going to call me back so you can insult, me? He said yeah okay. So, when he got home, he did email what he promised. I was very humiliated. If you talk to me like this now what will the service be like moving forward. Sorry, I will be doing my business with ROCKET MORTGAGE. Thanks for your time guys.

    ...

  • author
    Len
    Dec 17, 2020
    No closing cost REALLY MEANS NO closing cost!

    What a great experience working with Lenox Financial. I first heard about Lenox on Sirius Satellite Radio and sometimes you wonder if "it is too good to be true?" Well, in this case, it is VERY TRUE! This was a refinance to get a better rate which resulted in a $300/month savings. And kudos to Blythe Cejka who was my Mortgage Advisor and worked as an air traffic controller to keep things going and getting all of the right stuff to Veronica who processed the loan. Everything was done on-line and the closing attorney came to my home. And...no surprises! As the commercial says, this is the biggest no-brainer of all time!

    ...

  • author
    Matt Anderson
    Dec 17, 2020
    Very Responsive and Communicative

    We worked with Matt and Gigi to process our refinance. They made sure to take time and explain everything to us all along the process. They were always very responsive to our questions. And they helped us get a great new rate. We trust and enjoyed working with them.

    ...

  • author
    customer
    Dec 08, 2020
    My loan representative was very patient…

    My loan representative was very patient with me second guessing my refinancing decision and explaining all the terms that made this the right call.

    ...

  • author
    Myra Alvarado
    Dec 04, 2020
    Definitely the worst experience.

    Definitely the worst experience trying to refinance our loan.Juan Ortega offered us the refinancing on good terms. We decided to accept his services and expertise.After two months of waiting and with very little communication he left us waiting. We didn't hear anymore from him. Very poorly service and professionalism from Mr. Ortega "loan officer". Actually, we wasted a lot of time. We don't recommend this company to anyone.

    ...

  • author
    JC Porras
    Dec 03, 2020
    Started the refi process in August…

    Started the refi process in August 2020. It is now December 3, and still haven’t closed, despite jumping through hopes for these people. Apparently, I need to resubmit documents because somehow they have expired due to their snails pace. Too deep in for now, but I will be pulling the plug if I don’t close before Christmas.

    ...

  • author
    Greg B.
    Dec 02, 2020
    Mid-stream change of originator

    Our initial call was good/informative, options discussed and once decided, forms completed online and submitted; then they sat for 2 months with no follow-up. I was too concerned as the loan originator had indicated turn times of 80-90 days. I did leave several messages with no response and finally called the corporate office. I spoke to someone at corporate who followed-up and explained the originator was now in a different role and his case load was still in flux. Our loan was re-assigned to originator Brad C. who did a very nice job getting the process back on track. He worked with Veronica the processor and everything went smoothly from that point forward. We were even accommodated after the documents were printed as someone we'd approved it without escrows which we didn't intend. Closing was rescheduled for a few days later to allow them to re-run the scenario with escrows and reprint the documents.

    ...

  • author
    Customer
    Dec 02, 2020
    A genuine, no hassle refi!

    Called WesLend Financial after hearing a commercial and was contacted by Brad the mortgage advisor, who took us through the process with no pain, no extensive forms production, no intrusive processing, no hassle. Brad and Veronica, the loan processor, did their magic and papers were signed in our home expeditiously with funding occurring soon thereafter. Very pleased!

    ...

  • author
    customer
    Dec 02, 2020
    This was probably the easiest mortgage/…

    This was probably the easiest mortgage/ refi I have ever done. Brad did a great job and everything went very smooth. We bought our first house in 1971 and the rate at that time was 7.5. Now it’s 2.5. Unbelievable

    ...

  • author
    Chad Woods
    Nov 27, 2020
    Repeat customer

    Mike and Gigi have been great to work with. They have helped me close several loans and each time has been smooth and problem free. I will definitely use this service in the future.

    ...

  • author
    JERRY D
    Nov 21, 2020
    Mike and Gigi were wonderful to work…

    Mike and Gigi were wonderful to work with...very knowledgeable and professional.

    ...

  • author
    Customer
    Nov 16, 2020
    Thanks!

    Thanks! It's Done!

    ...

  • author
    Eduardo S.
    Nov 02, 2020
    WesLand Financial delivers excellent…

    WesLand Financial delivers excellent mortgage and refinancing options/products in a timely and professional manner. Without-a-doubt, WesLand's staff of mortgage advisors and loan processors are "superior" in what they do. Even in this unprecedented re-financing environment, Mike R. (Sr. Mortgage Advisor) and Gigi K. (Sr. Processor) delivered excellent service and timely communication throughout every step in the process.

    ...

    site logo

    Copyright © 2009-2021 Natural Intelligence Ltd. All Rights Reserved.

    By using our content, products & services you agree to our Terms of Use and Privacy Policy.

    • About Us
    • Cookie Policy
    • Terms of Use
    • Partner with us
    • Privacy Policy
    • Contact

    Designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. Company listings on this site DO NOT imply endorsement. We are not a loan provider or a broker and we do not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website.

    Reproduction in whole or in part is strictly prohibited.