Cogo Capital — The Private Money CompanyReviews of cogocapital.com

Bait and Switch. They sent a term sheet which was actually downright attractive so I paid the $197 application fee. The term sheet they THEN gave me for my loan was nothing like the one they baited me with and they were totally unworkable for my deal. It looked it was for someone else's loan There were also fees that I saw disclosed for the first time. They have a link for requests for refunds/customer services. Still, after 2 inquiries, not even an acknowledgement that there was an issue. Anyone can go to their website and generate a Proof of Funds for $14.97. Embarrassing, because my seller did exactly that, without any of my loan details, and generated the exact same letter I had given to him. They took and took and returned absolutely nothing of value. Lessons learned: gold cross = red flag, "have a blessed day" = "see ya"

We went from a 30-day closing to a 60-day closing with no other notice than the loan was stuck in underwriting in a company other than COGO Capital. The loan had been shopped out and COGO's loan officer had no control or influence whatsoever until the other company's underwriter returned it. We were expecting to close end of January and no one could tell us if the borrower had to produce some other document or what needed to be done. I do not think that sending your loans to another company to be underwritten is in COGO's best interest. Also, when my broker fee check was received, it was for 1/2 point. I don't believe I ever asked for only 1/2 point. COGO will have to produce my agreement to such an arrangement. On a positive note, all the points of contact at COGO Capital were very understanding, appreciative, kind and warm.

Everything was easy and convenient to do and everyone was extremely helpful. The time it took to complete this loan was short and with everyone working together took no time at all.

The patience they had with me. The staff were very understanding.

These guys where the most efficient and effective group I have dealt with in years. Their communication was top of the line they answered all of my questions and made the entire process seamless and simple and I definitely look forward. To greatly working with The team at COGO for a long time. Thank you guys so much !!

This is my second loan with Cogo Capital and they are always friendly and eager to help. We used Gateway Title to do the closing. This is my 3rd time using them as well and I love know everyone by name and they know me when I call. All of the staff at Cogo now know me and it is nice when you get a familiar voice on the phone. I plan on using Cogo Capital for all of my investment needs. They make the process seamless and easy to understand.

I did the $30,000 Mentorship package. Then I got sold the VA (Virtual Asisstant) $6,000 starter 20 hrs. I needed to cancel that, tried to by phone, but no one returned call. I never did get the VA. I emailed "Customer Care" & got the legalize e-mail saying I had 3 biz days, we're not going to refund you 6k. So this company wants to keep my 6k for a VA I never got after I tried to cancel???

The loan process took a bit longer than I expected. It is my first loan with COGO. I learned a lot along the way as to how the process works best. I need to remember to get certain items done so that things can go smoother next time.