Acra Lending Commercentre Dr, Lake Forest

This company is by far the worst lender I have ever worked with. They have a highly unusual process for starters as they require either the title commitment or the appraisal at the time of loan submission. They do not return emails or phone calls and if you have questions or need assistance with your loan file you are out of luck. You will never close a loan on time. If you send a loan there you should warn everyone in the transaction that you have no control over the loan process and to anticipate closing 30 - 60 days after the anticipated closing date. They are that bad!!! One star because i had to otherwise there would be no stars.

we've worked with Citadel over the last 2 yrs. Its non prime lending so we "get" the manual UW turn times are not automated ...but our clients are super stoked just to have solutions they provided for SE borrowers who need an alternative solution . Their investment and Foreign national programs are tops. Carla is a great help to getting our loans closed.

Zero sense of urgency. Miss stated turn times and never own up to their mistakes. They have no interest in meeting closing dates. If you call for a manager they route you back to the same person that is causing all of the problems. Don't borrow money from here. Count on every appraisal having of all thing a BPO meaning a real estate brokers opinion of the appraisers value. I have dealt with some bad companies and I would rather borrower from Wells Fargo or Bank of America. HORRIBLE COMPANY! Sad you have to give them a star even. Great place to turn loans to ashes.

We were able to expedite our file when it mattered the most, that gave me and the borrower an extra level of confidence in Acra!

Horrible lender, can not close a loan over 70 days, borrower suffered big loss. Keep update conditions to borrower, escrow and loan officer. Request over two weeks to approve escrow in last minute.Transaction manager attitude is bad.Good luck if you choose this lender!!!

Ryan with Citadel was great to work with. They helped our client get into a home with a great niche loan product. Ryan was very responsive and solution oriented which I appreciate! I would work with Ryan again for any of our niche loan deals. Aaron Page On Q Financial

Been working with this company for over a month. Conditions after conditions required and met. Buyer beware of bait and switch tactics by this firm. 20% down became 30% down and then a rejection of the appraisal report they had for three weeks 2 days be fore closing to get more money? Don't be fooled, and read everything in detail, don't allow last minute changes under pressure to close escrow.

After a long, inefficient and challenging process with Citadel, our loan was approved. I previously worked with Stephen Park, who had an attitude and was impatient and rude at times. I appreciate the work of Beth Owens and Jessica Vique, who took over from Stephen. They explained all the terms clearly and saw the process through till the loan was closed.

Have promised to put up a website since September of last year2018, so that we could do our banking online. Their system is very antiquated & inconvenient. Their customer service is fair. Their responses to legitimate problems take a while to reply. They tried to charge me late fees because their personnel that process payment s didn’t process on time & accused me of paying late. The date from the post office is clear & it was an issue on their end. They fixed it, but they are so slow & their systems old.

The lender offers great loan products and the process is easier comparing to other "non QM lenders" Great rates for ITIN loan products!