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    Affinity Federal Credit Union

    1.0 (1 review)
    Closed 9:00 am - 4:00 pm

    Services - Affinity Federal Credit Union

    Personal banking

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    18 years ago

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    Ask the Community - Affinity Federal Credit Union

    Sun Mortgage Company - 877-478-6562

    Sun Mortgage Company

    (26 reviews)

    Don Rizzo at Sun Mortgage Company was a great help with the financing for my home purchase in…read moreScarsdale, NY. He was always easy to reach, flexible, and resourceful, especially when unexpected issues came up near closing. He explained things clearly and worked well with my attorney, real estate broker, and insurance broker to keep the process moving. I appreciated his responsiveness and practical approach and would definitely recommend him.

    For the past year, my wife and I have been thinking about refinancing our house to get some…read morenecessary things done. We spoke to several banks, but it was always the same thing with them, they were trying to sell us something we were not looking for. Then one evening we found Sun Mortgage Company and read all the reviews. The next morning, we called Sun Mortgage Company and spoke to Don Rizzo. We told Don what we were looking for and he explained how the process works. After filling out the online application, we were all set to move forward. I was expecting a similar process to what the banks would have put us through but WOW, I was wrong! Before reaching out to Sun Mortgage Company we had attempted to go through our previous lender and other financial institutions, but they made it impossible. We were always talking to a different representitive each time and had to start over due to lack of information they had on their end, which meant starting the process over. This was fustrating!! Don Rizzo made this process quick, easy and painless. In just a short amount of time after supplying him with some of the documents he had requested, he found us the perfect loan and excellent rate to refinance our home. Once we had agreed on the loan and rate, Don was even able to get us in touch with a local law firm to handle the closing. This was one of the best loan experiences we have been through. We will be using Don Rizzo from Sun Mortgage Company again in the future. Thank you again Don.

    Lend Some Money - Hard Money Lender Serving All 50 States

    Lend Some Money

    (5 reviews)

    On December 11, 2021, I submitted a loan application to Lend Some Money to qualify for a hard money…read moreloan to purchase an investment property. On December 18, 2021, I received an email from a Loan Processor, stating the loan was conditionally approved. The initial closing date was January 26, 2022. This deadline was missed, while Lend Some Money had all the requested documents, I was told the file was still in underwriting. Because of the efforts of my Realtor, the seller was able to receive an extension to sell the property until February 2, 2022. I was assured by the Loan Officer, that the loan would close by the extension date. On January 28, 2022 I was contacted via phone by the Loan Officer, and informed that since I was not a current home owner underwriting did not approve the loan. Lend Some Money provided a preliminary approval which meant there was an initial review of my file but yet waited for 47 days to inform me that the loan was denied. Given it took 47 days for the lender to determine that I did not qualify for the loan, I have lost the $1,500 earnest money that I was required to provide to the seller. I was charged $49.99 for a background/credit check and paid $900 to have the property appraised. Also, I invested additional funds during the 47 days, I paid for an inspection and hired a lawyer. Additionally, the appraisal was initially ordered incorrectly. It was ordered to determine the "As-is' value only and I had to pay an additional fee to include the After Repair Value. Furthermore, when the Operating Agreement for my LLC was requested, I promptly supplied the document. Three weeks later, I was told that the additional members needed to provide a personal guarantee. I paid my attorney to expedite the process to update the document to remove the additional members. What is most disheartening about this experience is that Lend Some Money was made aware that the seller had a specific date to sell the property to meet the tax redemption deadline or the seller would lose the property. Due to Lend Some Money, not only did I lose more than $3,000 but the seller will lose the property. My credit score is in the 700's and I have a six-figure income that can be verified. While, I understand and cannot change the lender's requirements, I am certain that I could have found a lender that would have approved me to close on this property as I have purchased investment property before using a hard money lender.

    Great group of people. I'm not new to investment but am new to the real estate front. Their staff…read moretook the time to answer my questions, no matter how simple. The application process was quick and easy. Didn't move forward with the loan due to circumstances outside of their control (property fell through), but wouldn't hesitate to use them again in the future. Thanks guys!

    Affinity Federal Credit Union - banks - Updated August 2026

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