AccessBanc Mortgage

I’ve been working with Greg Erny for years for purchases and many refinances — when it comes to getting the lowest rates around, there’s nobody better. He’s honest, competent, and one of the nicest guys you will ever meet. I highly recommend.

I’ve been a customer of Greg’s for many years, and I’ve done around 4 refinances with him. He gets amazing rates, has a great handle on the market, and is very savvy about the changing landscape of what type of loan is the best overall deal for my situation at the current moment. He’s also extremely responsive & very easy to work with!

Currently in a purchase contract where Greg, from access banc is the lender. We originally asked them how long woudl it take to close a transaction and they said that they just closed one in 23 days. So to be safe we wrote 33 days for COE.
It took them 10 days before they ordered the appraisal. We were just told last week that it would not close in time and that we would need a one day extension. We ended up asking for a two day extension. Now I’m told we would need a few more days through the weekend. Apparently to close a loan they need 40+ days.
In a purchase, the contract is a set of expectations that is set up between buyer and seller. There’s no way we would ever use them in a purchase again.
We just got off the phone with Greg and I had sent him an email 5 days ago marked urgent. He said that he hasn’t opened yet. We were suppose to close escrow today and he hasn’t opened his email in 5 frigg’n days. Then he started giving excuses that one of his staff is on maternity leave and another had a vacation a couple weeks ago. What does that have to do with not opening your emails?
I’m sorry — 40 days to close an escrow on a new purchase is in excusable. The sellers are livid and are threatening to kick us out of contract.

We had a very positive experience with Toshi Nakamura at AccessBanc in January this year. We were having communication difficulties with a local broker and a neighbor recommended we contact her. What a delightful, competent, professional. Toshi got us a much better rate, communicated frequently and was always available to answer our questions, whether by email or phone.
Since we had such a positive experience with our refi, we again contacted her as we were preparing to purchase a four-​plex. She worked very hard again for us and put in many hours searching for lenders. Even tho the bank would not finance the loan at the last minute, she continued to try to find something for us. Unfortunately the issue was the property type and she had no luck. She gets an A+ again for all of her efforts.

Just closed on my 3^rd or 4^th refinance with Greg in as many years, and the experience was excellent. Greg shaved a ¼ percent off our already low 30 year fixed rate mortgage with no points or fees. He and his team communicated well and handled the paperwork flawlessly. He even arranged for a notary to come to my office to sign the docs, so the transaction required very little of my time. I would definitely recommend Greg and look forward to working with him again in the future.

I have refinanced twice with Greg from Accessbanc. Greg’s knowledge of the mortgage market is above average and he seems to have access to larger pools of lenders due to which he is able to provide lowest rate in the market. And I do really shop around looking for deals.
In my case, we had to close a loan under short-​time due to loan limits been revised. Greg and his staff worked super-​hard with me toclose the loan in time.
I will happily refinance again with Greg.

Having an advance degree in finance, and think of myself as knowledgeable of what to look for when needing a loan. I always do my research. I have used AccessBanc Mortgage on several occasions to do my loan. Getting a loan today in not an easy process, and the lenders require a lot of paperwork. AccessBanc has aways been there to help me through the process. I have refered several friends and family members to AccessBanc, and know that they have been pleased with both the loan rate and the service.

Greg was my loan officer (co-​owner of Accessbanc) for a purchase loan. He promised excellent rates to start, but throughout the process the rates kept on creeping up and fees were inflated (I have the GFE to prove it).
Accessbanc is good if you have a very simple loan and lots of patience and time to followup.
Do NOT go to Accessbanc, if you:
1) Are pursuing finance for a purchase which is time critical
2) Have a more than simple loan application
3) Expect transparent, clear communication on loan status
4) Call backs to phone queries to pursue more clarification
Given the competition in this market for loans, I would look elsewhere for a loan.

By far the most professional team, that drives quickly to find you a solution. Greg is great with mortgage and also keeps in touch after the close of the deal. Highly recommend this company.