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    Stratis Financial Corp

    5.0 (13 reviews)
    Open 8:30 am - 5:30 pm
    Updated over 3 months ago

    Services - Stratis Financial Corp

    Mortgage services

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    Review Highlights - Stratis Financial Corp

    Mark is so patient, and truly takes time to explain everything so that you know the process.

    Mentioned in 6 reviews

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    Civic Financial Services

    Civic Financial Services

    (12 reviews)

    I flip/develop real estate and this was by far the worst lender I've dealt with. When I left my…read morefirst review they told me to take it down or they wouldn't fund. I fear extortion from this review as well. Original Review: I bought land to build on and started a refi for a construction loan with Civic. After 7 weeks and they still had no idea what's going on. The virtual assistant processing the loan is a gopher between me and underwriting. They don't have a settlement statement to review and they don't know when closing is. I am burning time and money at the stake now waiting on them. I regret choosing to go with them, but I will update this review with whatever happens. Update after closing loan finally: Fees were 2% of the loan. Junk fees to a legal team that I can't negotiate. In fact the communication was so awful you eventually just have to give up and hope they give something close to the original offer. But it won't be. There were twice as much fees as their offer. The loan was much smaller, they said they could loan 70% of land with permits, but they could only do 50%. They don't lend on any soft costs. In fact throughout the build, they never fully funded a single draw whether it was in budget or not. EVEN after I finished the build (with my own cash) and had CO, they still wouldn't fully draw the loan. That's playing dirty. I spent thousands in draw "inspection" fees to not even get a full draw, and I did the "self inspections" where we don't have to hire a 3rd party. There was this sort of trick they do where the paperwork says your loan is X, but bc of the way the math work with the land value etc, you only ever get maybe 85% of X. Communication is impossible as everyone you talk to is miles from a decision maker and might as well be an AI bot. Doesn't matter what the sales team said at any point to sell you on the loan, you won't get that. We could never get a closing date out of them, but when we finally did, the morning of they had not sent the loan package to the title company yet still (even though we set the closing date 5 days prior). The craziest part is I went in and signed and closed on a thursday, and the lender didn't actually send the wire until the following monday. They were trying to sneak in a reappraisal without anyone noticing. My title company said they've never had that happen - 4 days after closing they send a wire! Of course they'll bill me for interest even though I didn't have the money. During the process they checked my credit score/report 3 times which is a negative affect on my score. Update after paying off loan: I survived but only bc I raised 5x more down payment than they said I would need to fill the gaps from them not funding. Plus, the fees were outrageous, and no one at the company knows what's going on. I can honestly say that if you need to get a loan from civic, you are better off NOT doing the deal. I promise. Find another lender.

    high interest of 8 percent to 720 plus credit and they didn't disclose to me on a clause making…read moreme pay on loan for two properties that my first paid off property has to pay 120 percent of the principal . that makes me needing to come up with an additional very big amount of money out my pocket just to sell the property. Eli has a good demeanor but overall he is not honest enough lender. I shouldn't know about this fact two years after I'm getting this loan

    Golden State Mortgage Solutions

    Golden State Mortgage Solutions

    (12 reviews)

    I worked with Tim early last year (2011). It was the first home for my wife and myself. I had…read morepurchased a condo a long time ago, so I needed to be educated again on all the processes (and changes) involved in a real estate transaction. Time walked us through the whole process, was available at almost any hour for any questions we had, and kept us up do date with every piece of information we needed to move through the process. He kept our agent on track and responded to every speed bump or twist and turn in the transaction with exceptional effort and professionalism. In the year since we closed on our home, I have reffered my younger brother Andrew (which Tim helped him close on his first home), a high school pal, and my good friend Matt. My Brother has since referreed two additional people to Tim to help them get into their first homes. Within the next year my wife and I will be looking to purchase another home and will not hesitate to give Tim a call. He is one person I don't have any reservations about referring to my friends and I am happy to call him a good friend as well.

    As a Vet in the Bay Area, competition is stiff, and buyers generally aren't patient enough to wait…read moreon the VA loan process when there are plenty of cash buyers waiting. However, Tim got the process done for us in what must be record timing; without one single error. I HIGHLY recommend Tim and look forward to using him again when it's time for my wife and I to sell and buy our next home!

    Stratis Financial Corp - mortgagelenders - Updated June 2026

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