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    John Lemos - Loan Factory

    4.8 (13 reviews)
    Closed 8:00 am - 8:00 pm

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    Mortgage services

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    9 years ago

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    John L.

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    5 years ago

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    6 years ago

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    4 years ago

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    9 years ago

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    9 years ago

    John has been a great help to my Real Estate career!! If you are looking for a home loan, no matter your situation, John is the man!

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    10 years ago

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    8 years ago

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    11 years ago

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    Ask the Community - John Lemos - Loan Factory

    Review Highlights - John Lemos - Loan Factory

    Recently refinanced with Movement mortgage, with John Lemos as my loan officer.

    Mentioned in 4 reviews

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    TheLender

    TheLender

    (13 reviews)

    Absolutely the worst company I have ever dealt with. From the beginning, the communication was…read moremisleading, unprofessional, and felt intentionally deceptive. Every step of the process came with hidden issues, unexpected fees, changing information, and constant runarounds. It honestly felt like they cared more about squeezing every dollar possible out of customers than actually helping people. The level of transparency was terrible. Promises were made and then suddenly changed at the last minute, creating unnecessary stress and confusion. Trying to get clear answers was nearly impossible because nobody seemed willing to take accountability. The entire experience felt dishonest and predatory. I would strongly recommend anyone considering working with this lender to read the fine print carefully and explore other options before signing anything. This was one of the most frustrating and disappointing business experiences I've ever had.

    My experience with this company was beyond disappointing it was one of the most frustrating…read moreprofessional interactions I've ever had. What they advertise about integrity, transparency, and "family culture" could not be further from what I experienced. Communication was inconsistent, expectations were misrepresented, and accountability was almost nonexistent once issues started surfacing. Cory Tona is presented as the visionary leader and driving force behind the organization, which makes the operational failures even more concerning. Leadership sets the tone for how a company operates and based on my experience, the tone here is disorganization, deflection, and lack of responsibility. On top of that, I became uncomfortable with what I felt were blurred professional boundaries. I noticed Cory viewing and engaging with my personal social media in a way that felt inappropriate given the business context. It added another layer of discomfort to an already negative experience and came across as unprofessional. I felt misled throughout the process, and attempts to get clarity or resolution were met with delays, vague responses, or complete avoidance. That alone speaks volumes about how clients are actually treated once you're already engaged. After doing additional research, I realized I'm far from the only one who's had a negative experience. The pattern of complaints from others mirrors my own which makes it hard to view this as an isolated situation. If you're considering doing business here, I would strongly urge you to proceed with extreme caution and thoroughly explore other options first. Based on my experience, I would not recommend this company to anyone. 1) BBB status + rating * BBB states "TheLender is NOT a BBB Accredited Business" and shows a BBB rating of F, listing reasons including failure to respond to complaints. 2) Pennsylvania regulator consent order + fine (licensed issue) * The Pennsylvania Department of Banking and Securities entered a Consent Agreement and Order (July 2022) stating it believed Hometown Equity Mortgage, LLC operated in violation of Pennsylvania's Mortgage Licensing Act by engaging in mortgage servicing activity while not licensed as a Mortgage Servicer, and the company agreed to pay a $4,200 fine. 3) HUD Mortgagee Review Board settlement (FHA admin action) * The Federal Register lists Hometown Equity Mortgage LLC (Lake Forest, CA) as entering a settlement agreement that included a $5,000 civil money penalty, noting the settlement did not constitute an admission of liability or fault. 4) Litigation exists (public dockets) * A federal case titled Lender LLC v. Hometown Equity Mortgage LLC (d/b/a TheLender) appears in public docket listings (filed 2022). * Another federal case Edry v. Hometown Equity Mortgage, LLC (d/b/a THELENDER) appears in public court documents (Nevada).

    Valorem Lending

    Valorem Lending

    (13 reviews)

    The people at this company are very unprofessional. I received correspondence in the mail so I gave…read morethem a call. I thought they were a previous lender I had worked with because the letter was misleading. When I called, I was transferred to Darlene, who is a lender I worked with. I explained to her that I wanted to get more information and see what the rates would be for IRRL VA Streamline. I also mentioned to Darlene, that we might possibly do a cash out. My husband and I wanted to get rates before making a decision. I also stated, we weren't sure what path we were going to take, as I needed to okay everything with my husband. I simply wanted to get information. I have done this before with other companies and it was not like this. However, with this company required me to produce 2 yrs of taxes, W two's, check stubs/ statements, driver's license and mortgage statement. I questioned why they would need all that documentation unless I was moving forward with them. saying Darlene told me I needed this documentation.Just to get a rate. Against my better judgment, I sent documentation for both my husband and I. A few days went by and Darlene called me and my husband and I were both on the call. She gave us the rates, and she kept pushing a higher rate for a cash out, and stating it was the one tge VA reccomended for us. My husband and I explained to her that we did not want that, and after the phone call, we both agreed that we did not want to move forward with this company. Not only did we not like their process or their rates that they gave us, we just felt like we were misled when we called them. They were not the company we wirked with previously. I had kept mentioning their name the previous company.That is, and they never said a word.So they never disclosed to me that they weren't even who I thought they were. We figured that out on our own. Having this information, we decided to just go with another company. I left Darlene a message, and told her that I was moving forward and there was no need to call me back that I was not going to proceed with Valorem Lending. Since then I have been contacted by Darlene in a harassing kind of way. She began asking me questions that I had already explained. Then multiple people at Valorem cintacted mw via phone, claiming to be managers, asking me why I was not moving forward. I even had two more managers call and say that my file was pending, and they just wanted to complete the process. I explained to them, I needed my file closed, this happened multiple times after that (15+) total. As well as other employees at Valourum Lending calling me, and when I called the number back. it was Darlene's recording. Wow.... really?! I have been contacted by so many loan companies since then. I get called every day by people telling me my loan is processing and it just needs my information to approve it. Ever since I have given my information to Valorem my phone is blowing up everyday. I know it has something to do with me giving them my information because i've never received phone calls from loan institutions like this before. I wish I never ever would have called Valorem Lending. I have never experienced this with any other company. I have never seen such unprofessionalism, and this is not an exaggeration. Please don't make the same mistake I did.

    Eric helped us through the whole process explaining every step, and he got us a great deal. Would…read morerecommend to anyone

    John Lemos - Loan Factory - mortgagebrokers - Updated June 2026

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