Yes, Judy had worked hard and long hours to make sure the loan can be closed before I go on maternity leave. Thoughtful, efficient and professional. Highly recommended! read more

Going through Aims loans for my house refinance was such a blessing. Brokers and workers were such on it and made me feel like the process was going smoothly. Not only were they informative with me at all times but my loan closed within the month. I would highly recommend Aims Loans to everybody. Thank Susie and her team. read more

Brianna Page was very helpful with my unfamiliarity with computer. She was always patient and calming in guiding me through what were difficulties for me, in actuality I think it's not for most. I'm 68 and don't do much on computer. In the end I learned a lot. Thank you Brianna read more

We have used Aim Loan in the past to refinance properties. We used them on 2 home purchases and all went well. I would recommend them because they have good rates, they are responsive and they close on time. read more

I don't usually write reviews. I have to be very excited (or else extremely disappointed) with a service or company to write a review. Luckily for AIMLOAN, I am writing for the former. I based my decision to do business with AIM based on many online reviews that I had read, on their support for the HARP program, and for their very low rates and closing costs. I was very impressed with AimLoan. From their knowledgeable staff, to their streamlined process and for the ability to close a loan almost completely online. First, their rates were spectacular. I had done a lot of research. I also appreciated that their fees did not change at all during the loan process. I knew exactly how much this loan was going to cost me the day I requested an online rate quote. I never had to leave my house to close this loan. Everything was done online, and the closing documents were signed at my kitchen table, all on my schedule. I ended up saving $600/month (your results will vary) by refinancing with AimLoan. Thanks in part to the government refinancing program. Not everything was perfect though. Due to my circumstances (HARP) my contact had to call me and request that my discount be reduced a small amount in order to extend my rate lock. I almost quit the loan because of this. But in all, I wouldn't have found a better deal, even with the smaller discount, which wasn't much by the way. And it was offset by lower title fees anyway, so no harm - no foul. If I had one thing that I thought AimLoan could do better, is to be pro-active in providing loan status info to the customer. On 3 occasions I felt like I was just waiting for waiting's sake and thought my contact at the lender could have done a better job following up with me to let me know the status of my loan. They did quickly respond when I inquired about the status, but would have preferred that they be more pro-active or else had a feature on their website that I could check to determine what step of the process it's in, how long before that step will be done, what the next steps are, and how long those will take. I will be sending all of my friends and family to AimLoan. read more

Very bad service. Stay away and find a better company to serve your loan. I had a loan in 2012 and paid it off... Aimloan did not record it with the county... until 2021 and I took me 15 hours of countless calling (Supervisors Maxime (MKS), Gema and Wendy) to get it resolved. Shame on You! Aimloan... read more

We just recently closed on our home on 3/17/14 (on time) and could not be any happier with the service we received from Aimloan.com throughout the process. Janice Hulse and our loan processor Andy Cole were both great to work with and very responsive to every call and email. I highly recommend this pairing if you have a choice. Their pricing, posted rates, guaranteed fees and quick turnaround time is what attracted me to give them a shot out of several other lenders we compared them to. As a busy, self employed IT professional and not knowing what to expect from their underwriting department I made it a point to have any and every document at my disposal to streamline the process. In the end it did help and underwriting was a breeze. There were a couple moments where I was left scratching my head as to what they were requesting but it was all worked out quickly. I highly recommend Aimloan.com to everyone but feel those that are well prepared (especially if self employed), independent and do not need their hands held throughout the process will appreciate their service that much more! read more

I started with another company and after 6 months of submitting documents 3 times and speaking to 20 different people with 20 different email addresses. I said enough is enough. I turned to Aim Loan and they finished everything in less than 30 days. Amazing! They were professional, responsive with great follow through. Definitely 5 star service. read more

I can't speak for others, but my experience with Aimloan has been the best that I've had among the past around ten purchase/refi loan processes that I've had for my home and rental properties. I just bought a rental property in Arizona for the first time and some of my local lenders were not competitive. So I searched the internet to compare rates, and AimLoan was hands down the best. I was a bit nervous since I made an "all cash" offer that needed to close in 30 days, so I had to move money fast at the last minute if they fell through. I read through yelp and was concerned about some reviews, but after talking to them over the phone, I decided to take a chance since they had such good rates. I sure glad I did as the whole process was managed very professionally, and my loan processor Lacey, was on my heel all the time to make sure that I sent them the documents on time. Most impressively, I had very complicated documents and Lacey would review and turnaround immediately for any outstanding documents and questions. I wanted to close a week earlier at the last minute and as a result of the thoroughness of the process, the escrow closed ahead of time without any last-minute surprises. I would definitely use AimLoan again. read more

Horrible people to deal with. Rates look great cause they will bait and switch and by that time you've spent money. Come up with unnecessary and unethical charges. Save headaches and money, go with a bigger known bank. Once they rack up all there charges you'll be paying about 3 percent higher. Just say no!!!! read more

We've used aimloan to buy our first house and are now in the process to buy our second home with them. They offered one of the lowest rates around and their closing costs was better than others I found. Even though I'm still in the process of closing on our second mortgage with them, I wanted to write because we absolutely loved our loan officer Andrew Hernandez. I must have called him multiple times in a span of a few days and he was always readily answering my calls or immediately calling me back. The customer service I received from him was top notch. Like one of the best experiences. He was so genuinely nice and friendly, and patiently answered all my questions. He knew the struggle we were going through in trying to find a home in this crazy housing market and was so genuinely thrilled for us when we finally found one and was under contract. The home buying process is stressful enough, but Andrew really helped make the process so much smoother. I know sometimes internet mortgage companies can have a stereotype of having horrible communication or customer service, but in our experience, it's been so great! Thank you so much Andrew! read more

Worked with Jay S. and Erik J. mostly. First part was easy since I had all my docs ready to go. The middle had a little delay but not nothing major. There wasn't much of a hassle and Erik/Jay were quick with the responses once I found the home and starting to close. I followed up with them myself every couple days so I knew exactly where I was at in the process. The final hurdle was very fast. Once I did my payment, same day funding and thats it. This was for a purchase. I would definitely recommend. read more

This is the second time I have used this company and you will NOT be disappointed. Extremely friendly staff with prompt replies. What impressed me the most was the honesty of the minimal closing costs and guaranteed rate. read more

My mortgage was being serviced by: AIM Loan Servicing 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047 I refinanced my loan on 5/8/2020 with a different lender. The payoff with AIM was processed by them on 5/14, one day after they received the payment disbursement from the title company on 5/13. That is problem 1. I called to inquire about when I could expect to have my escrow refund for over $2800 mailed to me. They stated that their policy is to hold the payment for 15 business days and then it would be mailed to me on 6/4/2020. On 6/9/2020, I called to verify that they indeed mailed my refund check. To my surprise, they had not mailed it. They claimed that because there was a hold for regular disbursements (taxes and home owners) that they for some reason did not recognize the loan was paid off and so did not issue my check after the 15 day hold period. They did state that they would now request that my check be issued, but in order to process that request it would take another 3 business days. So at that point, they will have held my escrow balance for an additional 7 business days beyond the original 15 business day holding period interest free. That is problem 2. This seems to me to be very questionable, and if these so called delays and hold times are typical, they could actually make a decent amount of money just on the interest from the escrow balances on customer's accounts. This should be taken seriously as this is not their money. They hold it in good faith, and I feel that has been betrayed. Had I not inquired, who knows how long they would have held my money. I escalated to a manager, and he escalated to their escalations team, but said I would have to wait up to 24 hours just to talk to them. I am requesting that they issue my check immediately and overnight the check to me, but I have not been contacted yet by their escalation team. I want this investigated by you so that hopefully this will bring attention to unethical practices and prevent future customers from experiencing at best this poor administration and at worst corporate corruption. read more

We just closed on our 4th (maybe 5th) 1st mortgage with Aimloan. Amanda and her team were wonderful to deal with as always. While we did have some over&back between underwriting and processing, Amanda did a great job at anticipating our concerns and bringing the requirements to us with explanations rather than the seemingly endless stream of follow-on requirements that typify the mortgage lending process these days. We even went with them while I had an employee deal with my employer (one of the largest lenders mortgage lenders in the country) because Aimloan had them beat on price, time, and service! If underwriting had lumped the follow-on requirements better we would have been able to give 5 stars. Should we need another mortgage we will go with Aimloan again. read more

I hope my story can help others avoid the consequences that I have endured with AimLoan. My story began 6 years ago when I was searching for a mortgage lender on my first home. I found AimLoan because they had the lowest advertised rates. I initially started with Aimloan but after research, I found a mix of good and bad reviews, so feeling uncertain, I left AimLoan and went with a typical bank instead. 6 years later, I wanted to refinance since rates were low. I decided to give AimLoan a try as I figured a cash-out refinance should be straight forward. I was mistaken. I should have recognized this company has not grown in 6 years for a reason. I gave them everything they needed on the same day but my application still failed. Here is my story: October 2020 - Completed their online process and locked my rate at 2.375. Everything went smoothly and contacted by Aimloan that same day. This entire month was all about providing lots of documents. November 2020 - First communication with my loan processor. First email was about my appraisal waiver, stating that an appraisal can be waived for my application. I approved the appraisal waiver thinking... great, I can save time and money. This was the only thing that was accomplished this month even though I sent emails every week asking for updates, which all but one I didn't get responses to. December 2020 - Nearly nothing was accomplished in this month. My loan processor just told me my application is in underwriting and will reach out to me if they needed anything. No updates were given. January 2021 - Not much was accomplished this month either. Loan processor requested me to get "payoff" statements from my banks, so I did. I learned that "payoff" statements cannot be requested by individuals and only the refinance companies can get these types of documents. I didn't know and wasted days trying to get these. February 2021 - This month was all about providing more documents. Mostly the same documents I provided previously back in 2020. Every week was more request for more documents either being signed or sent. I don't why he couldn't just ask for everything at once to save time. March 2021 - Loan processor indicated to me my application no longer applies for the appraisal waiver. At this point, I was extremely frustrated because my application is now 5 months old and more delays are occurring. The only way forward was to proceed with the appraisal. The appraisal didn't complete until the end of the month which was when I was informed my rate lock had expired. In the end, I cancelled my application because I couldn't keep my original rate as my lock expired due to their mistakes. Their biggest excuse was that my appraisal came in too late even though they told me 3 times for 5 months that I didn't need one. Like others on Yelp, I spoke to several supervisors about this unfair treatment and how AimLoan is entirely at fault but no one cared about my case and no help was given. The only answers received was "Sorry" and "Nothing I can do". I still don't understand why I should be penalized for a mistake that was entirely AimLoan. I look back and feel as I was deceived by their tactics, as if they purposely delayed my application until rates were in their favor. I should have listened to the other reviews in Yelp and stayed away. I am not sure how others were able to get their application done so quickly. I felt like my application was discriminated, maybe because of my foreign name. No refinance application should take 6 months regardless of cirumstances. If you decide to go with AimLoan, all I can say is just beware of their tactics and customer service. Expect most of your email communication to be pre-built templates which they probably use for everyone. Don't expect personal engagement as this was non-existent for me. They will pull your credit report several times throughout the process. They may give you some misinformation to delay your application. Be prepared to send the same documents repeatedly. If you have complaints, they have a toolbox of pre-made responses for you, as if they are experts dealing with complaints. My final advice is if you are serious in getting a refinance, find a different trusted lender with a good reputation, even if you have to spend a little more. You get what you pay for. I was able to get my appraisel fee refunded but I still lost hundreds of dollars for the other fees which they won't refund. I hope my story helps someone out there. read more

Below, please find an excerpt from the email message I sent to Kaily Kreisel following the closing of my cash-out refinance loan last week: "I just wanted to really say a huge THANK YOU, again, for everything you did for me during this process. I am sure many people are pros at this, but I am not one of them. This was honestly a very stressful process for me because it is outside of my wheelhouse. Your patience with my questions and your immediate responses were an absolute gold mine. I am genuinely grateful to you and hope you know what a difference you made during this experience. If there is any way I am able to let your supervisor(s) know how awesome you are, please let me know. I would like to make sure they are aware of the outstanding service and personal attention you provide. Thanks again for everything - I hope you and yours have a safe and hopefully way more normal 2021!" Kaily is a tremendous asset to your company. In today's world, customer service is everything, and I could not have hoped for a better experience than what Kaily provided. Whether it was an email that she answered promptly and with genuine care for my questions, or a phone call she answered to provide information in ways I understood, everything was done in a way to make me feel like I truly had an ambassador on my side at Aim. Her written and verbal communication skills are top notch and her interpersonal relations are what every company should hope to have in a team member. Thank you for this opportunity to recognize Kaily and the outstanding service she provided. read more

Almost backed out based of what i read on here, but I'm glad I didn't... There was some pressure (from Linda) to lock the rate and pay for the appraisal right away, which was off-putting, but it was the best deal around for me. I was a first time homebuyer going after a conventional 30 year fixed with 20% down. After locking the rate (with Linda) I was handed off to a loan processor (Luke). He was very professional and had me submit all the required documentation via email. I only talked to a person on the phone twice during the whole process. Underwriting took less than a week. It went smoothly and there were no surprises-- there were a few document requests and requests for letters of explanation, but nothing unusual or extreme (3 months worth of bank statements, paystubs, tax returns... ). It ended up being just over three weeks from appraisal to funding. The rate and fees they quoted me initially is exactly what I ended up paying at closing. I ended up saving thousands in closing costs versus local quotes and the rate I got was 3/8's lower than anywhere else I could find (closed at 3.125%). Not sure how they do it, but I'm glad I stayed with them. read more

Do not use AIM LOAN. 50-day lock is a joke. Underwriting is underwater. They publish rates that are extremely competitive, but can't/don't follow thru. I am 1-week from Rate-Lock expiration. Then a note, 'we aren't closing on time... I can't control it...and by the way, we aren't honoring the rate lock' If i could give this company a Negative star rating I would. I have been a loyal - pay-on-time, every month Customer for over a decade...and I am moving my business...they went from AWESOME to AWFUL in the last 2 years. If you want money out of your home, don't count on AIM to follow-thru... I filed a BBB complaint...this is ridiculous. I've waited nearly 50-days with excellent credit and awesome income... they can't meet the deadline or wont because they want to charge me the current rates/cost. I'm PISSED. read more

Dominique Caldwell from Aim Loans San Diego made my loan application process unbearable. In short, this loan processor literally made me feel like I was being processed! Her email communication requests were made with an angry & impatient tone. She was also deceitful in her business dealings in that after multiple assurances that my application was settled, she appointed an appraiser, charged me $450 up front for his fee, and literally notified me via email that I was not approved one hour after the appraisal completed. This office has no attention to detail. Stay away San Diego! This loan processor is borderline abusive. Unacceptable customer service. read more

Everyone was very organized. I appreciated knowing exactly where we were in the process and receiving updates.

The Worst Loan Experience Ever I made a HUGE MISTAKE when I tried to refinance my investment property with AIMLoan. The building project and my finances were thoroughly verified for loan eligibility prior the loan approval. After I submitted an enormous amount of documentation, the appraisal report, the underwriter confirmed all calculations and verified that the file met program guidelines. Just days before the closing when I closed all the underwriter's conditions my loan was rejected because the building did not meet the program guidelines that were previously approved by the underwriter. What a sloppy job made by the loan processor Judy Nguyen and the Underwriter by overlooking all available on day one building information prior the final loan approval. In my case the AIMLoan INCOMPETENT SERVICE translated to LOST of my TIME and MONEY. DO NOT TRUST THIS LENDER. read more

Sorry to say, but I could not get a refinance done via the VA IRRRL. I am currently under a home that I had a VA Loan on for almost 2 years and decided to look into the VA IRRRL. According to the rules, you can use the IRRRL as long as you had previously had the home as a primary residence (Orders to difference bases do happen). read more

I have purchased several homes over the years, and refinanced a couple. Like others, I was very skeptical of an online mortgage company but figured I'd give this a try. I fully expected to be angry and frustrated through the whole process, but to my surprise, this was by far the BEST experience I've had with a mortgage company! :) They expedited my loan per my request and I received funds in 25 days (due to a couple of hiccups that were unavoidable). Everyone I worked with was very professional and responded to questions right away. I had many options offered and they worked with me to make sure I was happy with my loan and experience. I highly recommend AIM loans, they make the refinance process so easy! Excellent customer service skills which is a rarity these days. And, as a side note, I am notorious for being difficult to work with so my hat is off to them. read more

Best rate available for our purchase. Our processor, Paige, was quick to respond to all our inquiries along the way and make sure things went as smoothly as possible. Lost a star because they waited until the afternoon (Pacific time) before our scheduled closing to verify employment only to find out the automated system at our east coast HR department was down, which left us scrambling to get documentation after business hours. read more

I was pleasantly surprised by using an online lender. After being treated poorly by my own mortgage holder and lied to with switch and bait financial numbers from other lenders AIM provided honest forthright services Always answered promptly with information I required. The best rates and lowest closing fees too! The entire process from first contact to funds deposited took 14 days!! read more

Great service and experience! We closed in less than 30 days! The rate promised and closing costs discussed never changed, and they kept me updated almost daily on the process of the loan. It was a great loan experience! read more

I had a really great experience with AIM Loan. The loan officer worked with me to get a really great interest rate and my fees for the loan were excellent. I would recommend them to anyone wanting to refinance with interest rates so low right now. I will do business with them in the future if interest go lower although I don't think they will go lower than what I got. Jennifer read more

Terrible! After two months they informed that they would not honor my rate lock and would not close on my loan.

Initially I decided to submit an application because of the great rates advertised. Everything went smoothly until they informed me that one of the requirements for the loan was that I have 24 months of cash reserves. For my loan this would have been nearly $70,000. Keep in mind that I have perfect credit, perfect debt/income ratio and over 200k in equity in my property. Oh, and they also informed me of this requirement only after rates jumped a full half point. They wanted me to switch to a fixed product to avoid this requirement. Bait and switch. Will never recommend. STAY AWAY. read more

Highly recommend AimLoan! I initially used them 2 years ago when I bought my house. They had the best rates. The process was simple and straightforward. They send regular updates as to where you are in the process. Now 2 years later with the great interest rates AimLoan again had the best rates and we chose to use them again. The process was easy. We were assigned the same team that we worked with before and were very happy with the process. read more

Working with Aimloan has been a nightmare. They kept requesting documentation that wasn't necessary for the type of loan we were doing. They told us that we had to request our own payoff statement which is unheard of in the mortgage industry. Then we were blamed for taking too long to get the payoff statement and they refused to extend our lock. I have a mortgage background and our loan should have been a slam dunk and should not have taken more than 60 days to close. I just wanted to loan to be done so we took a higher rate. 2.5 weeks after our loan funded the loan that was supposed to be refinanced was never paid off and I had to reach out to them to get answers. They said the wire was rejected and a new payoff statement was needed but this time escrow could obtain it themselves! If they realized this while my loan was in process my lock wouldn't have expired and I would have had a lower rate with a bigger lender credit!!! I am beyond frustrated with this company!!! read more

This is our second refi with AimLoan. The first one being around 2009 so they have been doing this for a while. Great rates, no problems, no hiccups. Customer service was highly responsive and got back to me right away. I would definitely go for a third refi with them. read more

Over 15 years ago, I had refinanced my primary residence with Aimloan and that was a positive and satisfactory experience due to their low rate, fees and efficiency. In November 2017, I decided to use them to refinance two of my rental properties because of their competitive rates and guaranteed fees. They even gave me credits on my two loans to save on the closing costs; and everything was transparent and without any hidden charge. The notary public came near my work place for me to sign the final documents. He was prompt and experience, I will ask for him again. I was very fortunate to have worked with Linda Jensen, the loan officer and Sandy Tecson, the loan processor, both of them were awesome, responsive, professional, courteous, efficient and knowledgeable. They never kept me waiting and answered my email inquiries not only timely, but promptly and often instantly. Many times, Sandy would leave me voice mail messages to remind me that she had just emailed me some urgent requests from underwriting that needed my immediate action. Whenever I called, both Linda and Sandy always picked up the phone unless it was outside of business hours. When I told Sandy that it would not be convenient to upload so many documents via my work computer and that I preferred to send her all the needed documents via email attachments; she kindly agreed to accept all my documents via emails. Doing that, I was able to save a lot of time because believe me I had to send her a lot of documents regarding all my rental properties and other assets, even though I only refinanced two of the rental properties. Throughout the process, I received updated status on my two refinance applications. If you work diligently and promptly with the team at Aimloan and furnish whatever needed documents underwriting asks for, I guarantee you that you will have a smooth and stress free process like me. I am actually a medical underwriter and I understand why sometimes certain documents are needed. Trust me, if an underwriter does not need the documents to approve the loan, he/she would not unnecessarily ask for them because it is really not fun to go through a lot of documents to make sure everything is in order; and that the application meets guidelines and company policies. I will be purchasing a new townhome next month and will definitely use Aimloan to finance this new purchase. Initially, I ran into a problem because I thought that Aimloan was not able to finance this soon-to-be constructed new townhome due to certain guidelines on new construction homes. Sandy Tecson came to my rescue and did her due diligent to find out from her supervisor and other people that they can finance it provided the builder is actively marketing the new construction homes, which they are. Linda Jenson even called me over the phone when I was vacationing in Malaysia to give me the good news. If I cannot find a reliable lender with competitive fees and rate, I will be compelled to go with the builder's lender whose rates and fees are much higher than Aimloan. Although the builder will pay 3% of the purchase price towards the closing cost if I use their preferred lender, I still need to come up with several more thousand dollars for the lenders and other fees. With Aimloan, I can go with the 0 point and 0 closing cost and at a lower interest rate. I shall look forward to working with Linda and Sandy again on the new home finance so that they can help me close escrow within 30 days. If not, I have to pay the builder $100 per day if the loan does not close on time. One last note, Vince Kasperick, the founder and president of Aimloan even sent me an email to thank me for refinancing my two loans with them. How often do you get a thank you email from the president of a company that you do business with? Thank you very much for your time reading this lengthy review, I hope that after escrow is closed on my newly constructed townhome, I can write another positive review about their high quality and efficient service. read more

You may get pre approved but when it comes time to fund the loan you may find out you that they won't do it. I had to pay for the appraisal ($450) and thought I was all ready to go. I would stay away from this company. House was appraised for double the amount of the loan and payment offered was less than I currently have paid. Good credit and income. Went back to my current lender and got a little higher rate but was approved without issue. read more

STAY AWAY FROM THESE GUYS !!! After clearly explaining to them that I have a duplex which I converted to single family and according to their under writers if the appraisal comes back as a single family their should be no issues with refinancing. Then I was told they can only luck my rate if they charge me $480 for appraisal which they did and appraisal result came back exactly as I mentioned, single family. Then after couple of weeks of them collecting data from me, they told me they are canceling my application because of the situation that was clearly explained to them. They dragged me along on bad faith. I will be filling a complaint with the better business bureau. read more

Everybody at Aimloan at every step was wonderful. Particularly Sarah Agay. Sarah was prompt, professional, courteous, efficient, never disappoint. I have refinanced with Aimloan several times. From staring application to funding usually takes only 21-30 days. Would not hesitate to recommend to friends and family. read more

Initial phone call with Tyler was very positive, encouraging, and re-assuring. He was very professional and personable! From start to finish, I KNEW our decision to re-finance our home with AIM Loan was the RIGHT decision and we were in good hands! read more

I have worked with Aimloan on all of my residential loans (5 to date). As an investor, I love being able to look at my specific scenario on their website to get a look at transparent fees before I start the process. Then I compare this with other banks. Aimloan keeps beating other banks so I keep using them. I have worked with Janice Carter for the initial phase and then I'm usually paired with Judy Nguyen as my underwriter. Janice is great and always goes above and beyond. Judy Nguyen is also fantastic! She is quick and easy to work with and even genuinely cares about me personally. It's nice when a lender sees you on a human level and not just a bottom line with $$ in their eyes. I recently closed a mortgage for my personal residence with them (the 1st after 4 rental investment loans) and she was the first to recognize that this particular loan was really special as it's a home for my fiance and I. She even mentioned the significance of this before my family did so that felt really nice! Thank you again Judy and Janice and Aimloan. Ya'll rock! read more

Good service from Aimloan staff throughout our refinance. Excellent, prompt follow up on ?s or issues by Chris L. and the team. I'm a repeat customer with Aimloan who has always been pleased with the company's service but this time was exceptional. Refinancing is perhaps at an all time high, most companies are short of staff due to the coronavirus, and yet the folks at Aimloan proved responsive all along. They have to deal with multiple loans at one time, get all the details straight, and keep all loans processing in a timely manner. I tip my hat to them. read more