Acme Lending LLC Swinton Ln, Farmington

Acme Lending LLC Reviews

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  Wayne Peterson
  5

  Marsha and Ryan are great to work with, and they go out of their way to be helpful. They guide you through the loan process in a friendly manner and are always available to answer questions. You won't left alone to worry about what happens next. They work as a team and share between them an extensive mortgage knowledge. As of now, they have successfully negotiated my initial mortgage plus a couple of rate reductions.

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  Deana Tapueluelu
  5

  Marsha and Ryan went above and beyond for our home loan! I'm impressed with how much knowledge Marsha and Ryan have regarding home loans, they helped with every step of the way until we signed off. It was a great experience having them help guide us with our first home purchase. I would recommend them to anyone who is looking to purchase a home.

  Response from the owner

  Thanks Deana . You and Sio and Doug and Pat were great to work with. Thanks for such a nice review!

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  Charlotte Christensen
  5

  Marsha and Ryan are a great mortgage team. They are extremely knowledgeable and are able to work out solutions for most lending problems that arise. They works quickly, and are very detail oriented. I highly recommend!

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  Ross M
  5

  My mother, rest her soul, and I have done several loans and re-finance packages with Acme Lending. I've known Ryan and Marsha Mosher since the late 90s. I've always received fair and professional treatment from Acme. I highly recommend their services.

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  claire howells
  5

  Ryan Mosher is a brilliant loan broker. My loans are never straight forward and in 10 years ACME has always succeeded in finding me a competitive solution. Most genuine and hard working company I’ve worked with.

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  Shauntelle A
  5

  ACME Lending LLC has been rated by their peers as the number one mortgage broker in the state of Utah. In 2015 and 2016 we desired to pull cash of of rental properties for other investments. ACME Lending process 8 loans for us. Some of them were on the same properties, and through a 2-step process allowed us to pull $ out at lower interest rates. They also shopped around a found a lender in Colorado Springs that gave us the best rates. ACME will for sure get any future business from us for mortgage broker services. Gary P (Shauntelle A is our daughter).

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  Mary Beth
  5

  I found Marsha to be very professional. I also could feel that she was interested in doing the best for us she could. She made the process as painless as possible and I would recommend her and her company to everyone.

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  Rob Lees
  1

  If you want to be taken by crooks use their services. Marsha has no business doing loans. We showed another loan officer our loan that they had done and he about fell out of his chair, saying we had been taken. He said there was no need for PMI. Our fault, never again.

  Response from the owner

  As a broker, we do not approve or deny loans. We gather a borrowers information submit it thru desk top underwriting which is fannie mae and freddie mac guidelines.. It is approved/eligible or it is " referred", based on a borrowers credit, income etc. There are options for the borrower as to what kind of loan he can qualify for. If a loan is not " approved eligible" by desktop underwriting (LP or DU) it cannot go thru conventional financing.. Our conventional lenders do not allow manual underwriting.for conventional loans Some of our FHA lenders do allow manual underwriting and then it is up to an underwriting to underwrite the file and determine if it can be approved even tho the DU findings might have "referred" the loan.. FHA does require mortgage insurance where as a conventional loan may not depending on the loan to value. If an FHA loan is an option for a borrower that can't get a DU approval because of information in his file, the borrower can decide if he wants to go thru FHA financing and have mortgage insurance.or just not go thru with the loan. If a borrower chooses to go thru with the FHA Loan, a borrowers file is then submitted and underwritten by an FHA underwriter which makes the decision based on the information that we have in the file.. The loan officer you mentioned must not have been made privy to everything in your file., or maybe he was not knowledgeable enough to understand fannie mae/freddie mac guidelines. I'm not sure why the loan loan officer said you didn't need PMI since your loan is and FHA not conventional. There is no PMI for an FHA Loan. You don't have private mortgage insurance. . You have FHA insurance. With your permission I would be happy to discuss your file with anyone or share your DU findings at the time your loan was done. . Happy to sit down with you and your loan officer ( that fell off the chair) and educate you both on why your loan was structured the way it was.

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  Chad Osborne
  5

  Marsha was super detail oriented and fast paced to get the job done right the first time! I would recommend Acme to anyone!

  Response from the owner

  Thanks It was great working with you

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  smlygrl27
  5

  I have worked with this team on several different loans and found them knowledgeable and helpful. Easy to get loans done, quick, detailed, and supportive. Highly recommend!