Lima One CapitalReviews of limaone.com

SERVICE !!!

I have refinanced nearly 10 investment properties through this company, so this review comes from someone with extensive firsthand experience—not a one-time customer. Unfortunately, after this experience, I will not be doing business with them again. The process started with an appraisal that cost me $750, which I had no issue paying. However, I found the appraiser's conduct to be unprofessional. Instead of focusing solely on the appraisal, he spent time having unrelated conversations with my tenants while I was occupied elsewhere. During the appraisal, the appraiser noted water in the basement. The cause turned out to be a disconnected pipe from sumppump that was allowing water to discharge into the basement rather than outside. It was a minor issue that was repaired the very next day. I immediately hired a handyman, fixed the problem, paid the invoice, took timestamped photos showing the repair was completed and the basement was completely dry, and sent all of this documentation to the lender. Despite providing invoices and multiple timestamped photos clearly showing the issue had been resolved, I was told I would have to pay for another inspection to verify the repair. No one from the company contacted me to discuss the situation or consider the evidence I had already provided. Emails often took three to four days to receive a response, and I was repeatedly told that requests had been sent to underwriting and that I would have to wait another week. Eventually, I had to reach out to Joel directly and request a phone conversation because communication had become so frustrating. Even then, I was simply told that I would need to pay for a reinspection, despite the extensive documentation I had already submitted. What disappointed me most was not the underwriting requirement itself, but the lack of communication, responsiveness, and willingness to work with a long-time client. After closing nearly 10 loans with this company, I expected a much higher level of customer service and professionalism. Based on my experience, I cannot recommend this lender. There are many financing options available, and I believe clients deserve responsive communication, practical problem-solving, and to be treated as valued customers rather than just another file.

Working with Zoe Campbell and her Team of Inspectors has been an outstanding experience from start to finish. She maintains immediate, clear communication throughout the entire draw process, always responsive whenever questions or updates were needed. Thanks to her efficiency approach, we received our funds in record time on every draw request. 100% recommended. We look forward to continuing to work with Lima One Capital team on future projects.

This company loves to have their cake and eat it too. You sent them docs week in advance, then the day before closing they come back with a bunch of arbitrary requests, many of which could have been easily handled earlier in the process with proper screening. Stay away!

the staff was highly helpful in everyway. professionally handle the loan process. very good communication.

Thanks it was great to get the closing done on time

Logan and Nathan were great to work with and always called me back when I had a question.

Always great to work with Eder Chad