Achieve Loans Reviews

The representative at Achieve Home Loans was knowledgeable about HELOCs and made the approval process swift with quick access to funds. The rates I received seemed reasonable given my circumstances. My monthly payment was considerably lower compared to the combined amounts when I was paying off multiple credit cards and loans, dropping from $1300 to just $296 a month.

One of the key aspects that stood out was their transparency and non-pushy approach. They provided all necessary information and rates upfront, allowing me to feel secure about moving forward. If a friend were considering a similar path, I'd recommend Achieve Home Loans based on my positive experience. They also managed the payment logistics to creditors and offered an easy-to-navigate website with added security through two-factor authentication. Overall, I had a 5-star experience across the board with Achieve Home Loans, finding their customer service, the quality of service, fee structure, and website usability all excellent.

While I can't pinpoint exactly how long the application took, it was a swift process. However, providing additional Q&As focused on common concerns like payment schedules or timelines might be a valuable addition to their resources. Achieve was very accommodating when it came to completing the final steps of the loan, especially concerning handling in-person requirements for closure. I appreciated their flexibility regarding my location and it would've been great to have more accessible closure locations.

Interacting with Achieve's agents was delightful, and I was particularly impressed with the point of contact responsible for signing off on everything—very kind and supportive throughout. Reflecting on the overall process, I felt at ease throughout and my queries were well managed. In terms of rates and terms, while terms were satisfactory, the rates seemed relatively high, though I attribute this to the overall economic context. I would wholeheartedly recommend Achieve to friends or family, emphasizing how intuitive they make what could otherwise be a stressful process. If Achieve was effective for me, I trust they would be for others too. My experience has been exciting, especially as it allowed me to progress crucial tasks.

The customer service was quite good. Although I can't recall the agent's name, the loan officer and others I interacted with were responsive and returned my calls promptly. What impressed me most was the quick turnaround time for communication, as the representatives always got back to me quickly after leaving a message.

If I were to rate my experience, I'd give it a 4 out of 5 because of the delay in receiving the funds. Nevertheless, I would still recommend Achieve to others and rate it a 5 for recommendation because they handled my process well overall.

Achieve Home Loans helped me obtain the funds I needed, so it served its purpose but didn't significantly change my life. Overall, the experience was good and I would consider this a positive interaction.

The application process online was very easy. However, the total lending process took a few weeks longer than expected due to complications that were not Achieve's fault. The underwriters sent an appraiser out during winter who incorrectly thought there was mold on my siding, which was actually dirt. Additionally, I had disclosed a missing garage door window beforehand. It was difficult to repair due to constant referrals between garage door and window companies. Although I eventually got an estimate, these issues caused an unnecessary delay.

I was further frustrated by the appraiser's unexpected visit, which caused concern given my recent experiences at home. I expressed my displeasure about this to my loan officer, who was very understanding and responsive.

Despite these challenges, my overall experience with Achieve was positive. I would rate it a 4.5 out of 5 stars, deducting points for the inconvenience of the unexpected appraisal visit without prior notice.

On a side note, I encountered difficulties with the servicing organization, Shellpoint. Setting up my online account was needlessly complicated, requiring a FedEx delivery of a security code that demanded a signature, which was inconvenient due to my work schedule.

Overall, Achieve provided good service, and I'd recommend them, but I would advise them to improve some logistical issues in their process.

It helped that I sent back all the documents they requested. I had it on hand in my phone and emailed it back to them right away. Sometimes, when you're applying for something with whatever bank, you send them whatever documentation they ask for, but it takes them days to reach back to you. But with Achieve, it was a matter of hours. I felt like there was someone sitting in the computer, waiting for me to send those documents, because they replied back very quickly. They wanted to make sure that I got the message, and that's important. Once I applied, I was signing the closing documents pretty much a week after. 3 days ago, I got the welcome package by mail. I downloaded the app, and it's very friendly user. It's super easy to navigate through.

I understand that the rates are based on credit worthiness, and it was one of the best if not the best offer I got when I was looking for the loan to consolidate debt. I'm happy with the HELOC I got. It got me out of trouble. Achieve helped me save a lot of money on a monthly basis. The only thing is that instead of mailing checks, Achieve should be able to disburse the payment electronically. But besides that, their customer service until now, approval and application process is phenomenal. I already made some recommendations to a couple of friends.