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PrimeLending
Lender
5.0 stars
31 Reviews
About us
**OVER 300+ POSITIVE REVIEWS on BP & Zillow** We lend in all 50 States for Conventional Loans. Access to NON-QM DSCR loans! Call us at 585-204-6923 PrimeLending makes the mortgage process SIMPLE for borrowers. PrimeLending is a proven powerhouse in home lending, combining personal guidance and local expertise with fast service, more choices, and the flexibility to meet homeowners’ unique needs. We’re relentlessly focused on empowering our customers to boldly pursue their homeownership goals. With more than 30 years of mortgage experience, we’ve perfected the home loan process by providing five-star service, user-friendly technology, and world-class support resulting in a more rewarding, stress-free experience. As mortgage-only experts, Well keep things simple. With PrimeLending, it’s free to get pre-qualified 1. When you’re ready to buy a new home, the first step is to get pre-qualified. This starts the application process and will give you a good idea about how big a loan you can get, and how much home you can afford. Getting pre-qualified helps you: Save time searching for homes because you focus on your specific price range. Make an offer as soon as you find the home you like. Identify and solve any potential credit issues early. Give you negotiating power because sellers will know you’re ready to buy. Why PrimeLending is different: From application to closing, I’ll support you every step of the way. We can offer loans to match your financial situation, even different down payment scenarios. We have tools to help make collecting and submitting documents hassle-free. We use local or regional loan underwriters and processors to help ensure fast, efficient closings. 2. The PrimeLending mobile app will keep you informed with real-time updates on your loan status. We can help you with a wide variety of loan options: FHA, VA, and USDA loans Fixed- and adjustable-rate loans Construction to permanent financing Renovation loans Jumbo loans Manufactured home loans Condos and more Renovation Products we offer: HOMESTYLE®: To be used on conventional loans for both appraiser-required repairs and repairs the borrower wants done to the property. They can be utilized on second homes and investment properties. The repairs can be structural in nature or cosmetic, but they must be attached to the property and add value. The only time appliances (stove and dishwasher) may be included in the renovation is if there is a full kitchen remodel including cabinets and countertops and the appliances (stove and dishwasher) will need to be built in/attached to the property. FHA 203K FULL: This is a government-insured loan that allows you to buy a home that is in need of major repairs and/or renovations. The repairs can be structural and/or cosmetic in nature. The lender loans you money to buy a home and complete repairs in a single mortgage. This rehab loan offers fixed rates with only a 3.5% down payment required. The home must be your primary residence. The FHA 203K is also available for refinance transactions. FHA 203K STREAMLINE [203K(s)]: This is similar to the FHA 203K Full loan but is more limited in its scope. The repairs can only be cosmetic in nature and are limited to a maximum of $35,000. Because the repair costs are smaller, there is less red tape to get through, hence the “streamline” name. These loans can also be used to refinance existing mortgages and rehab homes. EZ CONVENTIONAL: To be used on conventional loans for both appraiser-required repairs or repairs the borrower wants to be done to the property. The repairs must be non-structural in nature (no exceptions) and they must be attached to the property and add value. MINIMUM PROPERTY / APPRAISER / UNDERWRITER REQUIRED REPAIRS: To be used on FHA financed loans where the appraiser or underwriter has required MPR (minimum property requirement) type repairs. BUYER / SELLER FUNDED REPAIR ESCROW: Can be used on an FHA or conventional loan. Can be used on a VA loan by exception only if the seller is funding the repairs. Repairs do not have to be appraiser-required but the appraisal must be subject to those repairs being completed. WEATHER-RELATED ESCROW: Can be used on an FHA or conventional loan. These loans can also be used on a VA loan by exception only if the seller is funding the repairs. Repairs do not have to be appraiser-required but the appraisal must be subject to those repairs being completed. JUMBO RENOVATION LOAN: To be used on a jumbo renovation loan for either appraiser-required repairs or repairs the borrower wants to be done to the property. The repairs must be non-structural in nature (no exceptions) and they must be attached to the property and add value. 1HomeStyle® is a registered trademark of Fannie Mae.
Reviews (31)
5.0 stars
31 Reviews
0.0 star
0 Reviews
5.0 stars
31 Reviews
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2422724/1694851458-avatar-kens229.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Ken Shapiro
I worked with Jerry Padilla and he was extremely knowledgeable, honest, and willing to help at every turn. He taught me a lot about investing and was always there to answer every question promptly. I highly recommend the company and Jerry Padilla.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/382741/1621448047-avatar-jimmyc9.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Jimmy Chin
I've worked with Jerry and Prime Lending to finance multiple out of state investment properties and have found him to be extremely easy to work with, knowledgeable, and professional. I will definitely be using him again for my next investment!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/331706/1621444790-avatar-ryan94.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Ryan Keenan
Jerry and his team are absolutely fantastic! When other lenders would not approve me for anymore loans I found Jerry, who approved me for 4 more properties. He is extremely knowledgeable and understands my goals. Jerry and his team make the loan process so smoothe and easy, I would not go anywhere else!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2707911/1696058709-avatar-adaneb.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Adane Buni
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/748407/1621496611-avatar-wills60.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Will Stahl
I purchased a 3 family property using Prime Lending. Jerry was excellent and helped us receive the best loan possible. He helped us find the right strategy that worked best for our unique situation. This was the 4th property I purchased but the first time I used Prime Lending and all I can say is that I wished I found them sooner. I don’t normally leave reviews but take my word for it, using Jerry from Prime Lending is a no brainer. Highly recommend!!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/146217/1631650391-avatar-jameswise.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
James Wise
I have worked several deals with Jerry. Unlike many lenders in this industry he is on top of communication & is always working hard to get the job done as quickly as possible.
Working with Jerry is always a positive experience for me.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/199653/1694793602-avatar-chiyan.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Chi Cheung
I have obtained several mortgages from Jerry. He has always been professional and easy to work with. It makes a big difference to have someone knowledgeable helping you navigate the loan process. I look forward to working with him again.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/175872/1695536750-avatar-keanne_henry.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Keanne Henry
I worked with Jerry to refinance a house that I rehabbed. Jerry was very knowledgeable and quickly moved the transaction from application to close. It's great to work with a lender who also understands real estate investment. I look forward to working with Jerry on future deals.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/199895/1621432731-avatar-equity0476.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mike Kelley
To all of concern,
Jerry is all about the business relationship when it comes to creating the solution for the real estate investor. We knew that he had our best interest when he stated, "I am about the partnership." This is in align with our value proposition, "Partnership through Business."
We will definitely seek out Jerry on our next business transaction.
Mike and Grerchen, K-4 Properties
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/137039/1621418781-avatar-clocascio.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Ciro LoCascio
Jerry has been a pleasure to work with. He has assisted me through 6 different mortgages on my investments and I will continue working with him. He is always available to assist with any matter, early mornings or late nights! I would refer him to any friend or family member!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/235550/1621435196-avatar-thebull718.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Luis Quintanilla
Jerry Padilla is a great person to work with. I've done many deals with him and will continue to do deals with him. He is extremely professional and gets the job done which is very important. He understands what it's like to work with investors and makes the process easy. He's also very responsive which is a huge plus.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/375259/1621447556-avatar-adama10.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Adam Anderson
Working with Jerry was a pleasure. Having multiple businesses and properties, I dont have the simplest underwriting situation. Other banks couldn't help me, but Jerry was able to get me approved and closed quickly. He was diligently responsive to questions and did an excellent job coordinating the approval and closing process. I will be doing my next mortgage with Jerry soon!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/202393/1621432886-avatar-captainl.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mike Landry
I have closed 2 loans with Jerry in the last 6 months. He knows what he is doing and the rate, term, and costs have been excellent! He is easy to get a hold of when I have questions, which is important to me.....because I ask a lot of questions. I highly recommend using Jerry Padilla for your financial needs.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/231579/1621434897-avatar-javi2.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Jacob Vincent
It was a pleasure working with Jerry. He and his team handled my mortgage from start to finish. Given that the closing date was near Thanksgiving, there were quite a few last-minute snags, but Jerry's team kept me informed every step of the way, and stayed the course until everything was finished. I'd highly recommend him for any RE investor on BP.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/191325/1621432158-avatar-midric.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mitch Rice
I worked with Jerry to finance an investment property and it was a great experience. Jerry is very knowledgeable and responsive. He was always available to answer any questions I had and provided recommendations on financing strategies. I would work with him again.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/213976/1675754420-avatar-tdwhitney.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Troy Whitney
Jerry provided great service in getting my real estate investment loan. He works hard and provides a good, professional, personalized touch, and was able to get me a great rate. I would recommend his services to anyone on BiggerPockets.com.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/307777/1694756077-avatar-arhum.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Arhum Nomani
Jerry has been very helpful in closing on both my investment properties. As a first time investor I had many questions and he took the time to answer them all and also acted as a sounding board as I considered my options. I would certainly recommend him to friends/family and also continue to work with him on future deals.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/357367/1621446394-avatar-djkerner.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
David Kerner
Jerry Padilla assisted me with two cash out refis and a purchase all closing on the same day. He did a good job for me and I would highly recommend him.........................................................................................
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/143912/1621419190-avatar-drcruz.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Daniel Cruz
Jerry of MB Financial was great to work with. He helped me obtain a loan for a rental property I own in Ohio. Jerry is courteous and prompt. Also the terms for my loan were very good. I would work with Jerry again without hesitation. Highly recommended
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/297459/1621442539-avatar-ariannechris.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Arianne L.
Jerry and his team at MB Financial have been such a pleasure to work with. They have successfully completed two delayed financing for us within several weeks. We had an unfortunate incident with an appraiser and Jerry was very quick to resolve the problem. I highly recommend Jerry and I'm looking forward to do more deals together!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/212892/1637356957-avatar-billallen.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
William Allen
I have recently done a cash out refinance with Jerry who I found here on BP. He was fantastic throughout the process and I have already recommended him to other investors and retail buyers I know.
The appraisal and LTV is where Jerry was most incredible in this transaction. The house initially appraised at $250k but on Jerry's recommendation I sent the appraiser more realistic comps and some of the upgrades that were done. The appraisal was then adjusted to $285k. I already have quite a few loans on my other rentals so I was expecting to be limited to 70% LTV in accordance with the delayed financing exemption rules. However, the closing happened just over 6 months after purchase and Jerry was able to get me a loan at 75% LTV. So, I was expecting $175k cash back but with these two changes Jerry helped make possible, I was able to pull out nearly $210k.
That is $35k that went STRAIGHT BACK INTO MY POCKET! For most of us, that is another house...
I highly recommend Jerry Padilla for all of your mortgage needs. He is fantastic and I will use him again for sure!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/198720/1621432654-avatar-rbilling.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Ryan Billingsley
Jerry has assisted me multiple times with financing properties. He was able to do loans that my local banks could not match. I highly recommend giving him the opportunity to help with your real estate financing needs.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/164779/1621420632-avatar-ldonnie.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Donnie M.
Jerry helped me cash-out refinance two of my rental properties. When I initially called him he was the first mortgage person I ever talked to that had a clue about investing. He is very knowledgeable about investor strategies and will more than likely understand your needs and goals. He gets things done when he says he'll get them done. I will continue to use Jerry for cash-out refinancing so I can get to my next deal.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/325323/1621444396-avatar-pavlos.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Pavlos Kasselouris
I found Jerry through the BP forums. I've worked with Jerry on 4 mortgages so far the past couple years, on not that simple cashout refinances, and Jerry was able to bring all deals to closing table successfully and good terms. He helped with the underwriting and counting rental income, which is really important for RE investors. I would recommend him without hesitation.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/292223/1660058424-avatar-tweldon0817.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Travis Weldon
I've worked with Jerry on my past 2 mortgages and will plan on working with Jerry until I maximize the conventional limit. Jerry understands the mortgage process and has helped answer all my questions in regards to lending. I've referred Jerry to others and will continue to refer his services. I highly recommend Jerry and his team.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/207696/1696733726-avatar-mp17.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mason Pastore
I have worked with Jerry on a number of occasions over the past two years. Jerry provides thoughtful advice, is always available, and makes things happen quickly. He and his team are great and I highly recommend working with them.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/386452/1621448296-avatar-sarahd8.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Sarah D.
Jerry was a huge help in getting our mortgage for our 4 unit house hack. He offered the best LTV, great rates, and provided options to us (rates vs paid closing costs, etc). He worked extemely hard to meet our timeline and was always available to answer questions when needed.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/306275/1621443151-avatar-drice.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Doron Rice
Jerry financed few of my rental properties. He is very knowledgeable, creative and friendly. As an investor I’m very glad I have Jerry on my team as a lender. He will go out of his way to resolve issues that other lenders would give up on. Thank you Jerry!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1003740/1621507227-avatar-maxk39.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Max Keller
I am in a mastermind group with Jerry. He genuinely wants to help other people. I learned a lot about bank financing at dinner with him. Jerry is an expert. When I have bank financing questions, I ask him.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/205188/1621433081-avatar-dennis_s.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mike S.
Jerry is a straight shooter and knows how to get the job done. He stays in contact and knows his craft. My cash out refi process went very smooth without any problems. I will definitely work with Jerry in the future on more mortgages for my buy and hold rentals.
about 2 months ago
Reviewed by
Ben Elford
Jerry was fantastic to work with throughout our mortgage process. He was knowledgeable about non-traditional financing options to get us funding to use as a down payment for a second home. He assessed our needs and recommended the perfect realtor for what we were looking for. During our mortgage approval process we had a change in employment status that could have affected our approval. Jerry was able to navigate the situation and made it so we were still able to make the deal work. Jerry was easy to get in touch with and was able to communicate issues with the approval process clearly. We would highly recommend Jerry for his knowledge of process and ability to resolve hiccups in the approval process.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2422724/1694851458-avatar-kens229.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Ken Shapiro
I worked with Jerry Padilla and he was extremely knowledgeable, honest, and willing to help at every turn. He taught me a lot about investing and was always there to answer every question promptly. I highly recommend the company and Jerry Padilla.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/382741/1621448047-avatar-jimmyc9.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Jimmy Chin
I've worked with Jerry and Prime Lending to finance multiple out of state investment properties and have found him to be extremely easy to work with, knowledgeable, and professional. I will definitely be using him again for my next investment!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/331706/1621444790-avatar-ryan94.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Ryan Keenan
Jerry and his team are absolutely fantastic! When other lenders would not approve me for anymore loans I found Jerry, who approved me for 4 more properties. He is extremely knowledgeable and understands my goals. Jerry and his team make the loan process so smoothe and easy, I would not go anywhere else!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2707911/1696058709-avatar-adaneb.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Adane Buni
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/748407/1621496611-avatar-wills60.jpg?twic=v1/output=image&v=2)
5.0 stars
about 2 months ago
Reviewed by
Will Stahl
I purchased a 3 family property using Prime Lending. Jerry was excellent and helped us receive the best loan possible. He helped us find the right strategy that worked best for our unique situation. This was the 4th property I purchased but the first time I used Prime Lending and all I can say is that I wished I found them sooner. I don’t normally leave reviews but take my word for it, using Jerry from Prime Lending is a no brainer. Highly recommend!!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/146217/1631650391-avatar-jameswise.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
James Wise
I have worked several deals with Jerry. Unlike many lenders in this industry he is on top of communication & is always working hard to get the job done as quickly as possible.
Working with Jerry is always a positive experience for me.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/199653/1694793602-avatar-chiyan.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Chi Cheung
I have obtained several mortgages from Jerry. He has always been professional and easy to work with. It makes a big difference to have someone knowledgeable helping you navigate the loan process. I look forward to working with him again.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/175872/1695536750-avatar-keanne_henry.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Keanne Henry
I worked with Jerry to refinance a house that I rehabbed. Jerry was very knowledgeable and quickly moved the transaction from application to close. It's great to work with a lender who also understands real estate investment. I look forward to working with Jerry on future deals.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/199895/1621432731-avatar-equity0476.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mike Kelley
To all of concern,
Jerry is all about the business relationship when it comes to creating the solution for the real estate investor. We knew that he had our best interest when he stated, "I am about the partnership." This is in align with our value proposition, "Partnership through Business."
We will definitely seek out Jerry on our next business transaction.
Mike and Grerchen, K-4 Properties
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/137039/1621418781-avatar-clocascio.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Ciro LoCascio
Jerry has been a pleasure to work with. He has assisted me through 6 different mortgages on my investments and I will continue working with him. He is always available to assist with any matter, early mornings or late nights! I would refer him to any friend or family member!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/235550/1621435196-avatar-thebull718.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Luis Quintanilla
Jerry Padilla is a great person to work with. I've done many deals with him and will continue to do deals with him. He is extremely professional and gets the job done which is very important. He understands what it's like to work with investors and makes the process easy. He's also very responsive which is a huge plus.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/375259/1621447556-avatar-adama10.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Adam Anderson
Working with Jerry was a pleasure. Having multiple businesses and properties, I dont have the simplest underwriting situation. Other banks couldn't help me, but Jerry was able to get me approved and closed quickly. He was diligently responsive to questions and did an excellent job coordinating the approval and closing process. I will be doing my next mortgage with Jerry soon!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/202393/1621432886-avatar-captainl.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mike Landry
I have closed 2 loans with Jerry in the last 6 months. He knows what he is doing and the rate, term, and costs have been excellent! He is easy to get a hold of when I have questions, which is important to me.....because I ask a lot of questions. I highly recommend using Jerry Padilla for your financial needs.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/231579/1621434897-avatar-javi2.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Jacob Vincent
It was a pleasure working with Jerry. He and his team handled my mortgage from start to finish. Given that the closing date was near Thanksgiving, there were quite a few last-minute snags, but Jerry's team kept me informed every step of the way, and stayed the course until everything was finished. I'd highly recommend him for any RE investor on BP.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/191325/1621432158-avatar-midric.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mitch Rice
I worked with Jerry to finance an investment property and it was a great experience. Jerry is very knowledgeable and responsive. He was always available to answer any questions I had and provided recommendations on financing strategies. I would work with him again.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/213976/1675754420-avatar-tdwhitney.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Troy Whitney
Jerry provided great service in getting my real estate investment loan. He works hard and provides a good, professional, personalized touch, and was able to get me a great rate. I would recommend his services to anyone on BiggerPockets.com.
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about 2 months ago
Reviewed by
Arhum Nomani
Jerry has been very helpful in closing on both my investment properties. As a first time investor I had many questions and he took the time to answer them all and also acted as a sounding board as I considered my options. I would certainly recommend him to friends/family and also continue to work with him on future deals.
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about 2 months ago
Reviewed by
David Kerner
Jerry Padilla assisted me with two cash out refis and a purchase all closing on the same day. He did a good job for me and I would highly recommend him.........................................................................................
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about 2 months ago
Reviewed by
Daniel Cruz
Jerry of MB Financial was great to work with. He helped me obtain a loan for a rental property I own in Ohio. Jerry is courteous and prompt. Also the terms for my loan were very good. I would work with Jerry again without hesitation. Highly recommended
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about 2 months ago
Reviewed by
Arianne L.
Jerry and his team at MB Financial have been such a pleasure to work with. They have successfully completed two delayed financing for us within several weeks. We had an unfortunate incident with an appraiser and Jerry was very quick to resolve the problem. I highly recommend Jerry and I'm looking forward to do more deals together!
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about 2 months ago
Reviewed by
William Allen
I have recently done a cash out refinance with Jerry who I found here on BP. He was fantastic throughout the process and I have already recommended him to other investors and retail buyers I know.
The appraisal and LTV is where Jerry was most incredible in this transaction. The house initially appraised at $250k but on Jerry's recommendation I sent the appraiser more realistic comps and some of the upgrades that were done. The appraisal was then adjusted to $285k. I already have quite a few loans on my other rentals so I was expecting to be limited to 70% LTV in accordance with the delayed financing exemption rules. However, the closing happened just over 6 months after purchase and Jerry was able to get me a loan at 75% LTV. So, I was expecting $175k cash back but with these two changes Jerry helped make possible, I was able to pull out nearly $210k.
That is $35k that went STRAIGHT BACK INTO MY POCKET! For most of us, that is another house...
I highly recommend Jerry Padilla for all of your mortgage needs. He is fantastic and I will use him again for sure!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/198720/1621432654-avatar-rbilling.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Ryan Billingsley
Jerry has assisted me multiple times with financing properties. He was able to do loans that my local banks could not match. I highly recommend giving him the opportunity to help with your real estate financing needs.
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about 2 months ago
Reviewed by
Donnie M.
Jerry helped me cash-out refinance two of my rental properties. When I initially called him he was the first mortgage person I ever talked to that had a clue about investing. He is very knowledgeable about investor strategies and will more than likely understand your needs and goals. He gets things done when he says he'll get them done. I will continue to use Jerry for cash-out refinancing so I can get to my next deal.
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about 2 months ago
Reviewed by
Pavlos Kasselouris
I found Jerry through the BP forums. I've worked with Jerry on 4 mortgages so far the past couple years, on not that simple cashout refinances, and Jerry was able to bring all deals to closing table successfully and good terms. He helped with the underwriting and counting rental income, which is really important for RE investors. I would recommend him without hesitation.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/292223/1660058424-avatar-tweldon0817.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Travis Weldon
I've worked with Jerry on my past 2 mortgages and will plan on working with Jerry until I maximize the conventional limit. Jerry understands the mortgage process and has helped answer all my questions in regards to lending. I've referred Jerry to others and will continue to refer his services. I highly recommend Jerry and his team.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/207696/1696733726-avatar-mp17.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mason Pastore
I have worked with Jerry on a number of occasions over the past two years. Jerry provides thoughtful advice, is always available, and makes things happen quickly. He and his team are great and I highly recommend working with them.
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about 2 months ago
Reviewed by
Sarah D.
Jerry was a huge help in getting our mortgage for our 4 unit house hack. He offered the best LTV, great rates, and provided options to us (rates vs paid closing costs, etc). He worked extemely hard to meet our timeline and was always available to answer questions when needed.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/306275/1621443151-avatar-drice.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Doron Rice
Jerry financed few of my rental properties. He is very knowledgeable, creative and friendly. As an investor I’m very glad I have Jerry on my team as a lender. He will go out of his way to resolve issues that other lenders would give up on. Thank you Jerry!
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1003740/1621507227-avatar-maxk39.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Max Keller
I am in a mastermind group with Jerry. He genuinely wants to help other people. I learned a lot about bank financing at dinner with him. Jerry is an expert. When I have bank financing questions, I ask him.
![reviewer image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/205188/1621433081-avatar-dennis_s.jpg?twic=v1/output=image&v=2)
about 2 months ago
Reviewed by
Mike S.
Jerry is a straight shooter and knows how to get the job done. He stays in contact and knows his craft. My cash out refi process went very smooth without any problems. I will definitely work with Jerry in the future on more mortgages for my buy and hold rentals.
about 2 months ago
Reviewed by
Ben Elford
Jerry was fantastic to work with throughout our mortgage process. He was knowledgeable about non-traditional financing options to get us funding to use as a down payment for a second home. He assessed our needs and recommended the perfect realtor for what we were looking for. During our mortgage approval process we had a change in employment status that could have affected our approval. Jerry was able to navigate the situation and made it so we were still able to make the deal work. Jerry was easy to get in touch with and was able to communicate issues with the approval process clearly. We would highly recommend Jerry for his knowledge of process and ability to resolve hiccups in the approval process.