has anyone done business with "Esteem Financial Services"?  they are asking for money prior to funding and I want to make sure they are for real-  Thanks for your replies.

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Comment by Michael Mason on August 28, 2014 at 8:13am

ProDS-  I am looking for a rehab loan- central California-  if you do that type stuff email me -  mason.b4www@yahoo.com

Comment by ProDS on August 27, 2014 at 1:38pm

Michael,

we are alternative lenders and never charge an upfront fee. If the company you're working with is charging a fee, other than third party fees, run.  I personally have been in the business for 15 yrs and have learn that if a bank doesn't charge an application fee, DD fee, U/W fee or any other type of "junk" fee before the closing, other than third party fees (appraisal, title search) there's no reason for a lender to charge anything. 

Let me know if we can help.  

Comment by Dee Apanou on August 26, 2014 at 5:37pm

Michael,

my personal experience tells me, dont pay any fees upfront. Even for appraisal you be able to personally hire one or pay the fee at closing

Comment by Admin on August 26, 2014 at 3:14pm

Have you taken a look at the Verified Funding Sources feature on this website? These are all true, direct funding sources. Maybe it is possible for one of those lenders to either help you or to point you in the right direction?

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