BBB Business Review

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Description

Horizon Financial Assoc. in Fremont since 1988 providing objective comprehensive mortgage planning services for purchasing and refinancing Real Property for owners & investors. Opportunities created, problems solved, goals achieved by intent & design


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Horizon Financial Associates meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Horizon Financial Associates include:

  • Length of time business has been operating
  • No complaints filed with BBB


Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Horizon Financial Associates
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 15, 1998 Business started: 07/01/1988 Business started locally: 07/01/1988 Business incorporated 05/01/1989 in CA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Bureau of Real Estate
1515 Clay St Ste 702, Oakland CA 94612
http://www2.dre.ca.gov/PublicASP/pplinfo.asp?License_id=
Phone Number: (510) 622-2552
The number is 00943635.

Type of Entity

Corporation

Business Management
Mr. George Duarte, Owner Ms. Mary Florio, Broker Associate
Contact Information
Principal: Mr. George Duarte, Owner
Number of Employees

1

Business Category

Mortgage Brokers Real Estate

Refund and Exchange Policy
Horizon Financial Associates never charges any points on any loans, and no application fee- no upfront costs. All costs and fees are disclosed in writing within 3 days of application, there is strict no "upselling" or "bait and switching" policy.
Service Area
San Francisco Bay Area; East Bay
Alternate Business Names
Elite Real Estate Properties Wentworth Enterprises, Inc.
Products & Services

Real Estate financing products for purchasing, refinancing and rehabbing include Conventional, Jumbo, VA/FHA, rehab, 2nd homes, investment, Reverse Mortgages, Foreign National, Bridge loans, for single family, townhouses, condos,& manufactured homes

X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.