NSS Lending, LLC Reviews

81  Excellent
TrustScore 5 out of 5

4.8

In the Real Estate Consultant category

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Reviews  81



Rated 5 out of 5 stars

Foreign Lending Made Easy

After weeks of being incorrectly guided by a different broker, we found Neal and Teri with only a few weeks left and 75k in escrow.

They made a difficult foreign loan happen in a tight timeline with minimal stress.

This won’t be the last time we happily use NSS lending.

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Rated 5 out of 5 stars

Neil & Teri Excellent services

Neil & Teri was great to work with and really helpful when it came to a complicated refinance situation.
They both were extremely knowledgeable and helpful during the entire process.
They were patient & very friendly to work with.
Thanks to Neil & Teri that made it possible for this refinance to happen.
Incredible experience! Fast, friendly, and efficient.
I would highly recommend using their excellent services.
Thank you Neil & Teri

Reply from NSS Lending, LLC

Thank you, Nina!
We really enjoyed working with you as well.
Let's do it again real soon! 😁

Teri & Neal


Rated 5 out of 5 stars

Buying Investment properties

Working with them to purchase a investment property has been a great experience, they are quick to get you the needed docs to get your contract accepted. They make it easy, especially if your new to using a lender like them. I plan on using them for my next investment.

Reply from NSS Lending, LLC

Thank you, Heath!
We do the best we can to stand behind the NSS 'Never So Simple' 😁 way to get financing. Looking forward to working together again very soon.

Teri & Neal


Rated 5 out of 5 stars

Our office works with Neal and Teri…

Our office works with Neal and Teri from the closing side and they are absolutely amazing to work with and such nice and friendly people. They make your day brighter every time you talk with them :)

Reply from NSS Lending, LLC

You make OUR day brighter every time we talk to YOU! Priority Title is a great group to work with. You make us look like rock stars!

Teri & Neal


Rated 5 out of 5 stars

Great Experience

Thank you Neal and Teri and also Brittney, for all the help to get my first fix and flip deal funded! My deal was successfully closed on time,thanks to your efforts!
Very responsive and easy to work with, keep up the good work, I recommend your service for sure, thank you.

Reply from NSS Lending, LLC

Hey Sally--thank YOU so much.
Yes, we closed on time, but now the hard work begins! Keep your contractors on schedule too 😁 and flip that house!! We wish you the best and can't wait to see the completed project.

Teri & Neal

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Rated 5 out of 5 stars

Neal and Teri are the best

Neal and Teri are the best, very responsive, super helpful, they are the reason our project got approved. I can't thank them enough, and I look forward to more deals with them.

Reply from NSS Lending, LLC

Thank you so much.
We do our best to stand by 'Never So Simple' Lending. Every once in a while it gets sticky, but that's our job to keep the wheels movin'. We look forward to more deals with you too!

Teri & Neal

Teri & Neal


Rated 5 out of 5 stars

Quick response. Knowledgeable and helpful

Teri responded quickly and extremely helpful. This is my wife and I first time buying an investment property. She took the time to explain the process. She even gave us a few useful tips. Friendly and a pleasure to work with.

Reply from NSS Lending, LLC

Thank you so much! Neal and I want everyone to 'Get off on the Right Foot'. It's all a simple process (not easy) if you understand what you are doing. Please reach out with any questions you may have. We're here for you!

Teri & Neal


Rated 5 out of 5 stars

Neal and Terri are the greatest!

Neal and Terri are the greatest. They care for their clients and they will get you not only a great deal, but the BEST deal! I would recommend them 100%.

Reply from NSS Lending, LLC

Thank you Penny!
We live by 'The Golden Rule'
Treat others as we would like to be treated.
We never ask anyone to borrow money, but when they do, we want to take care of them throughout the entire process---always here when they need us to answer any questions they may have.
Again, thank you for letting the world know.

Teri & Neal


Rated 1 out of 5 stars

Do Not Recommend NSS Lending Neal/Terri

I worked with Neal and Terri to fund a rehab house that I was looking to purchase in Baltimore. I never closed on the house because when they presented the last final HUD statement they had added a gross amount of fees. They tried to corner me into this deal and take advantage of me. Both Neal and Terri are very smooth talking and at the end of the day tried to manipulate me by saying when I see the final numbers I'll definitively take the deal. This was not the case as they added multiple extra FEE amounts. When I asked them to remove the fee's they became quiet and did not have a response. I would rather walk away from a deal then work with a lender who is not up front and honest. I would not recommend you to use them either Neal or Terri or anyone they recommend to use.

Updating Per Terri and Neals response.
1. Unprofessional to discuss the DETAILS of my personal business on Google but proves you're unprofessional.
2. I told Terri and Neal and lender (who called me) why I walked away through email. The fees were way too much at the end of the deal and I asked you to lower them as they weren't what was provided to me initially before I agreed to move forward despite your change in interest rate. You never responded because you tried to force me into a deal and didn't think I was going to walk away. You are responding today because of a bad review which shows you did not care to correct the issue back in 2021. It is true I have lost money because of the manipulation tactics of Terri and Neal and it is a hard lesson learned.
3. I contacted my real estate lawyer to review your paperwork which I also told the lender and confirmed the fees you were charging were way too high. He too was also confused as to why you increased the fees so high at closing.
4. Your response shows how disconnected from your own team.
5. Kara called and told me she would drop her fees. Again you are misinformed. She also agreed the fees were way too high.
6. Building a relationship on trust is important especially one that involves a lot of money and MY money at that. To try and change the fees at the end of the day is distrustful and misleading and you broke that trust Terri and Neal and you also helped in me losing my EMD.
5. Although I cannot change my financial loss due to Terri and Neal - I would like to let those who are looking for a hard money lender to beware of NSS Lending specifically Terri and Neal.
6. This is my review and the one star is my rating of Terri and Neal and my experience with them and is based on the facts that I have. Instead of trying to fix the problem at the time of incident they were quiet. They are only responding now because of a bad review. It's unfortunate you are trying to discredit what happened and manipulate the situation instead of actually rectifying the situation which was not 1 year and 4 months ago - again you are misinformed.

Reply from NSS Lending, LLC

5/8/2022

After we received the review, we picked up the phone immediately (you didn't answer). We followed up with a text, and then an email hoping we could talk to you before responding to the review. We attached all the documents to the email we sent, but unfortunately, we can not attach those documents to this response.

Though this was over a year ago(January of 2021) we keep great records. If you recall, your broker, Kara P. brought you to us when things didn't work out with your previous lender.

We provided terms based on the information Kara provided---you had 2 flips in the most recent 36 months, when actually you had only one, the other from 2017. This required the terms to be changed from 90/100 to an 85/100 which was sent to you via email on February 5th, 2021---several days before the closing.

We charge a flat rate of $2500.00 for processing a loan--no matter what size of loan, $50K to $5MM, always $2500. Something that is unheard of in the industry. We are not greedy and we don't corner our borrowers into anything.

Your broker Kara charges points and asked that we put the $3909.00 in commissions on the term sheet we provided you which was sent every time you received a term sheet from us. Only Kara can control her fee.

Claiming WE ADDED a gross amount of fees to the final HUD is just not true.
We do not add fees, nor prepare the final HUD/Closing Statement
That statement is prepared by your closing agent whom you hired.
We have no idea, what the cost of title, legal, government, filing, etc. fees are and thus don't include them on the original term sheet. We emailed you a copy before responding to this review and highlighted in yellow all of those fees.

Because these fees differ from state to state, city to city, our lenders have a disclaimer saying they do not account for 3rd party fees. We can not change those fees, they are customary on all real estate transactions even cash purchases, and as an investor we believe you have seen those fees on past closing statements.

When you expressed your frustration with the fees, we assumed it was our and Kara's fees not the 3rd party closing fees. We told Kara we would pay her out of our processing fee if she would cut her broker commission. She refused. Looking back, we thought you walked away, because of Kara's commissions.

Most of the conversations were between you and your broker, Kara, not between us. In fact, Teri never spoke to you on the phone one time (she does the processing), so your comment that 'Neal and Teri are very smooth talking' in not true.

As for being quiet when you asked us to remove the fees. I have never known Neal to be quiet about anything; he is hyper customer service focused. Again, we attempted to reduce the fees that we COULD control, by asking your broker Kara to reduce her fees and accept a portion of our money.

Remember, we are the ones who did all the work on the file, including getting your previous appraisal accepted by the new Lender which saved you time and the cost of a new appraisal which is typically several hundred dollars. Again, hyper customer service focused.

This 1 Star review is not based on accurate facts. We pride ourselves on fair practices and excellent customer service. We find it odd that you have come back with a negative review 1 year and 4 months later and wonder why now and not back then? We are so sorry this has been weighing on you for this long.



Neal & Teri
NSS Lending, LLC
'Never So Simple' Lending
(312) 391-7875
Info@FundMyRealEstateInvestment.com

5/9/2022

Letitia,
We are sorry that we failed to meet your expectations.
We wish you well

Neal & Teri

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Rated 5 out of 5 stars

Neal and Terry were amazing to work…

Neal and Terry were amazing to work with from beginning to end. They worked relentlessly to get our deal finalized despite multiple delays that were outside their control (appraisal, title, etc). We highly recommend them and will be using them again in the future.

Reply from NSS Lending, LLC

Thank you so much for highlighting we worked 'relentlessly' to get your deal finalized. It's nice to be appreciated for the hard work we do over here! Again, thank you! We look forward to working relentlessly for you for a long time. 😁

Teri & Neal


Rated 5 out of 5 stars

5 Star

Neal and Teri are always very helpful with any questions.

Their response time is impeccable.

I recommend their services.

Reply from NSS Lending, LLC

We believe if you have questions, you want answers now, not days from now, right?! That's what we all want and that's what we try to provide. Thank you for letting the world know.

Teri & Neal


Rated 5 out of 5 stars

Neal & Terri are the bomb

Neal & Terri are the bomb. Anyone that works 7 days a week, untold hours per day just to make their customers look good can only be the best. I love working with you guys. Thanks again for your commitment to excellence! And for making me look pretty good

Reply from NSS Lending, LLC

Shucks 😁 we're not working. We're having fun! By the way, entrusting your clients to us makes us look pretty darn good too. Thank you! Looking forward to working together for long time to come!

Teri & Neal


Rated 5 out of 5 stars

Teri and Neal did an amazing job…

Teri and Neal did an amazing job helping me refinance my property. They went above and beyond and exceeded my expectations! I will definitely be using them again! Thank you!!!

Reply from NSS Lending, LLC

We'll take amazing any day of the week. It was our pleasure!

Teri & Neal

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Rated 5 out of 5 stars

Neal and Terri are by far the best in…

Neal and Terri are by far the best in the industry! Whenever I submit my clients to them I always know they will be taken care of. Their speed, efficiency, and attention to detail are second to none. The best part about working with them is that I can spend my time working with clients as opposed to chasing down Neal and Terri for updates- they send me weekly updates and are always quick to answer any questions. I can't recommend them enough!

Reply from NSS Lending, LLC

Sara, thank you so, so, so much! Our referral partners are a huge part of our business and we want to keep it that way. You're a reflection of us and we of you---we're a team. Great things come from people who work 'together'! We know that trust is so important and we do everything we can to earn that from all our partners. Thank you for everything you do!

Teri & Neal


Rated 5 out of 5 stars

Awesome to work with these guys

Awesome to work with these guys! Quick, fast and communicative all the way through.

Reply from NSS Lending, LLC

Thank you so much! Golden Rule around here--treat others and we would like to be treated and communication is key!

Teri & Neal


Rated 5 out of 5 stars

After years in the real estate space...

After years in the real estate space, NSS Lending is now our go to for ourselves and our community of investors. Thank you!

Reply from NSS Lending, LLC

OMG! Thank you, don't feel like we deserve this one, but Lord knows we worked harder than ever and we Got-R-Done by the grace of God! Hope for many more to come, with a hell of a lot less bumps in the road. You were so gracious through it all and I can't tell you how much we both appreciated your kindness in time when others would have been so much less forgiving.

Teri & Neal

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Rated 5 out of 5 stars

THANK YOU for the Expert Guidance you…

THANK YOU for the expert guidance you gave and will continue to give my team and other companies in the near future. Implementing the process in bringing about a successful mortgage closing requires a knowledgeable team.
"CHOSEN ONES" for Five Stars are Neal & Teri Smith of NSS Lending, LLC. You are NO."1"!!!
Ms "B"

Reply from NSS Lending, LLC

Ha! We love that--thank you Ms. B!
We are looking forward to funding a LOT of loans for your team!

Teri & Neal


Rated 5 out of 5 stars

what an exceptional experience

what an exceptional experience. Neal & Teri Smith are my superhero's. Great customer service. Going the extra mile. I will be back for my future lending needs.

Reply from NSS Lending, LLC

Awe shucks Anthony, that means a lot. We were so happy to get this one done for you and hope to be a part of building your Short-Term Airbnb Rental portfolio!

Teri & Neal


Rated 5 out of 5 stars

How NSS Helped A Canadian Investor

WOW NSS Lending is amazing to work with.

As a foreign investor, it's challenging to get lenders willing to finance my deals but NSS Lending were able to hook me up and allowed me to close a beautiful residential building.

I will definitely work with them again regarding future deals as well.

Reply from NSS Lending, LLC

Thank YOU Jashan! We sure do know the in's and out's of getting foreign investors funded in the US. Took a bit of work, but we have it all down to a science now! Ha! Keep the opportunities coming our way.

Teri & Neal