Inline Financial E Greenway Pkwy, Scottsdale, Arizona

Inline Financial Reviews

4.6 stars based on 17 reviews

Featured Comments:

• C

  Chris Jones

  5.0

  Josh Livingston is very helpful and so is Sarah! Will definately be back! Recommend to all my friends!

• R

  Ryan Elliott

  3.0

  Okay so i waited about 2 months to write this review so that i didn't go off of rage and give Inline Lending a 1 star. This is regarding a refinance on our home we were doing via the VA Streamline. The Good News: The process was completed successfully and we were able to get our rate down to 2.25%, taking advantage of the super low rates that have been available in the market. As we had only owned our home for about a little less than a year, we weren't too worried about losing equity since we didn't have a ton of money staked into the home yet. Inline Lending did successfully work with the title company and the lender we are now with (Sunwest Mortgage) and we are very happy we were able to get such a low rate and, ultimately, a lower monthly payment. The 3/5 rating comes from that. The Bad News: The bad really only revolves around one individual, and it was the individual we were directly working with throughout the process. For starters, we did not realize Inline was a mortgage broker (as when we bought our house originally we worked directly with the lender/realtor until end of sale). As a first time home owner who was going through a first time refinance, myself and my wife naturally had a ton of questions throughout the process and wanted to make sure we understood EVERYTHING that could happen, the timeframes certain processes could take and, most important, wanting to be immediately advised when issues arose with any paperwork that we submitted. Throughout the experience it really felt like the individual we were working with was annoyed of many of the questions that were asked, and became even more frustrated when we would be frustrated when a deadline was missed or we would have to basically beg to get updates on if something was needed or not (which was a big hurdle when it came to Inline's underwriters not accepting the originally provided Statement of Service). Many of the issues that arose during the underwriting process were simple ones that caused longer delays because we weren't being communicated with and only got the answers we needed after multiple emails and phone calls. Thinking back on it now, I'm pretty confident that the loan officer wasn't understanding why we wanted to 'be so involved' since, as a broker, it is their job to handle all the paperwork and communication with other parties and that you will NOT get prompt answers as you normally would going through a lender, directly. Even when i wanted to reach out to the underwriters, directly, to resolve issues with paperwork, the loan officer flat out refused to provide that information and would simply ignore the emails. That, in itself, was terrible customer service, especially when the answers to our questions determined how or current mortgage would continued to be paid. Long story short: If you are someone who is a veteran at refinancing and know what the timeframes/processes will be on this kind of thing, Inline will absolutely get you straight. If you are new person to refinancing and want to be walked through the process and have your questions answered promptly, it is probably best to steer clear of Inline and look elsewhere. (Should this review be pulled, the date our transaction closed was September 24th, 2021. We started this process close to the end of July and were originally given a potential close date of early - mid August, which is what started all the confusion)

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  Ira & Shelia Cline

  5.0

  I previously posted a critical review of Inline Lending based on an interaction I’d had with one employee, but need to set the record straight. Within a couple days of posting that review, I was contacted directly by Johnny Neafus, the owner. He took my review to heart, had listened to the recorded conversation with this new employee, and acknowledged the situation should’ve been handled more professionally. He assured me that he would incorporate that interaction into improving his company’s training and customer service. Let me tell you, I’m incredibly impressed with the fact that Johnny personally made it a point to reach out to me to make things right! He truly is engaged in customer service and ensuring that he and his employees are delivering great care and service to the veterans they serve. I discovered that Johnny is a unique business owner that clearly puts forward his best effort and if things aren’t meeting his high standard, he does what it takes to get things back on track. I’m VERY impressed with Inline Lending and in particular, their owner. Many thanks Johnny... I’m now a lifelong fan! Thank you for what you do!

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