Skyline Financial Corp

This review was previously removed due to «privacy concerns», except that the two individuals I call out in this review are called out in other reviews on the site. Methinks this organization whined about my review.
I worked with Joe «T» and Phillip «C» to get my CA house refinanced awhile back.
The Good:
Good with documents, e-​signatures and all that for convenience. He’s reasonably good about staying in touch. Joe had the knowledge of whatever secret handshake was required to get my 2^nd mortgage subordinated. Subordinating means that I didn’t have to pay off the 2^nd, but that it just carried over when I refinanced.
The Bad:
I specifically asked Joe if I should get a rate lock and was told no. Well that little mistake has been costing me about $ 150 a month since. Telling me that he was sorry doesn’t quite cut it. I was relying on expertise, not a shrug and a WAG. Also, I said their communication is pretty good, that is until they screw something up. Then things kind of go quiet.
They would get zero stars, but Unilocal doesn’t let me give that and Joe «C» helped get the 2^nd mortgage subordinated. I supposed that even a stopped clock is right twice a day.
You’re mileage may vary, but that’s how mine went down. I’m not sure what these guys bring to the table that would justify the risk of another screw up.
If I could do it again I would not have used these guys.

The best/​trustworthy place to come if you need a home loan! I recently had to refinance my home and Joe Tishkoff not only offered me the best rate and deal, but gave me such amazing service. Always responded to my calls/​e-​mail within no time. Joe is super friendly, caring and knowledgeable! Thanks again for the great deal/​customer service Zack and Joe. I am truly happy. Shalom friends!

Trying to buy a home after a short sale was nearly impossible until Zack Sher helped us find a loan that we could qualify for. He responded to every email or phone call in a timely manner. He is knowledgeable and professional. I would highly recommend him to anyone trying to buy a home. I had almost given up hope of being able to buy a house again but Zack helped us achieve our goal and now my family is extremely happy and thankful.
Sincerely,
The Palacios Family

They really should put 0 stars or negative stars available on here. We did business with Madison Lending Group which is either a subsidiary or geez, I don’t know what, part of Skyline. A guy named Michael Razak runs it, and OH. MY. GD. Worst experience ever! I’ve bought and sold a dozen homes in my lifetime (husband had a job that moved us about every three years). The girl Stacey, would call with her little baby voice and calmly and sweetly tell me they needed either «another» or an «updated» copy of something that I had already sent once or even twice. Then my realtor would tell me No, I didn’t need to send that. I asked my realtor if she was the boss’ babe-​of-​the-​month or something and he laughed, but I was serious. The requests for paperwork from me were daily and repetitive because evidently her in box was a shredder. Stupidest woman ever. And, I couldn’t get past her to request someone else to handle my mortgage. I’m normally a very calm and accommodating person, but Stacey took me to the point of screaming, throwing the phone, and having a drink at 7:30 a.m. RUN!!!

My husband and I bought our first home with the help of Ann Bose.
The experience of buying a home is very stressful but with the guidance and professionalism that Ann provided us with, made the process great. Our questions were answered clearly and with the details we needed. I would highly recommend Ann to anyone buying a home.

My husband and I worked with Joe Tishkoff and Philip Chu on purchasing our first home. They were both such amazing mortgage brokers, and made this process so clear. We feel so fortunate to have had the pleasure of working with both him and Philip Chu. Joe and Philip spent so much of his time thoroughly explaining every detail to us and we came up with a great strategy that will save us thousands of dollars over time. The knowledge they possess about the real estate industry in uncanny and utilized with perfection to help get us exactly what we needed. Everything was submitted timely and Joe Tishkoff even went the extra mile to obtain information that I was having trouble receiving (old tax liens from Santa Barbara, and removing two items on our credit score) He knew exactly what to do in every situation. We feel so blessed to have found such a talented and amazing broker. We highly recommend Joe Tishkoff and Philip Chu to everyone!!!
Thank you Gentlemen

Had the worst experience with this company. They were always asking for documents at the last minute and then me and my husband were forced to rush around and get them what they needed. Our closing date was pushed back 2 weeks because of them. Its like, if this is what you do on a daily basis, how do you not have checklists of what you will need for each transaction?! They dropped the ball on more than one occasion. The only reason why we used them was because it was part of the seller’s conditions in order for them to cover closing costs otherwise, we would have gone through someone else for sure. Definitely would not recommend.

Experienced, great rates, and stellar process. The mortgage process can be a headache and lengthy, I can only share that skylines technology for signing docs and expediting was also easy to work with. Thank you everyone!!!

Don’t talk to these people, and save yourselves trouble down the road. How would you like to find out your taxes were miscalculated, and you have been underpaying your mortgage for almost a year? Our payment went up over $ 400! Not acceptable! Not acceptable! Not acceptable!

I’ve had plenty of experience buying homes and well I’ve been communicating with Nilu Askari for the past week trying to get cross approved per the selling agent’s requirement.
We have already been pre-​approved by BOA (letter) and have our first property with them, this is a second home for us and have been experiencing some major hurdles trying to get this done. I sometimes think that since they have messed up so much during this process that they have failed in gaining our trust that they would at this point delay in getting us approved so that they could wait for an other offer on the property we are interested in and try and gain that business form the next person.
I’m a fair person and understand but when your site doesn’t work and keeps refusing to accept your information, calls are not returned and you are pretty much not getting help well it looks pretty disappointing all the way around.
UPDATE 7÷30÷12: THIS MATTER WAS NOT RESOLVED, My conclusion was that Nilu was not happy to cross-​qualify us for the listing agent since she knew that she would not obtain the business from a qualified BOA buyer. So she did everything to delay this approval since her site was broken she wanted my wife and I to drive to her location over an hour away after a week and a half of trying to get her to accept our information over PDF files.
Well I’m happy to report that we ended up buying the property with an all cash offer 15K below what we had originally had offered. This chick screwed the listing agent and the seller. She did this only to look after her own interest and not the interest of those who are referring business her way.
GOOD JOB NILU, I’m exposing they way you really do business, I certainly hope that you lose that business from those who take the time to read this review since you deserve to be treated the way you treat others. SHAME ON YOU!
ONLY IF THIS GETS RESOLVED: Will I make changes to this review, I have tried in good faith each day to communicate with this business but I was only told and I quote message from my real estate agent: «but you can tell him (referring to me) that his sarcasm will get him everywhere.»… Obviously she meant that it won’t get me anywhere however I expressed no sarcasm, actually I expressed my concerns since her web-​site is broken and I simply asked her if all she would do is call us to gather the information she needed, it’s that simple.
As I said, I’m a fair person but if you are refusing to do your job and are holding up the opportunity for me and my family then I take it personal and I’ll be happy to leave this review up and add in more details later.

We were encouraged to use Skyline by our Dilbeck realtors even after securing a loan through a national chain. What a mistake that turned out to be. Delinquent estimates, delinquent appraisal process, extremely poor communication, the list goes on. When they finally provided our loan docs for notary/​signature 2 days prior to close of escrow, my wife’s name was misspelled. Had to resign everything again the next day, but by then they missed their funding and wouldn’t fund until day of closing.
Careless. Sloppy. Unapologetic. Unprofessional.
We were advised to use Skyline, who while not offering perhaps the best available rates, made up for that with this supposed premium service and access.
Big mistake — go elsewhere!

We’ve done 3 loans, two home loans and one commercial property, with Skyline and would not go anywhere else. Paul and Anita are professional, knowledgeable and accommodating. They return calls immediately and are always ready with whatever info is needed. It was an absolute pleasure to do business with this excellent company and I recommend them wholeheartedly.

Kevin Gusinow was a great help in getting our jumbo loan at a very good rate with minimal points. He is trustworthy, professional and gets the job done in a timely manner. Also he knows exactly what is available on the market. We are very happy with our loan and monthly payment; we plan to continue to use Kevin for future loans.