BBB Accredited Business since
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This company offers residential mortgage broker services.
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A BBB Accredited Business since
BBB has determined that Infinity Mortgage Group 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 Infinity Mortgage Group include:
- Length of time business has been operating
- Complaint volume filed with BBB for business of this size
- Response to 1 complaint(s) filed against business
- Resolution of complaint(s) filed against business
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||1|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
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:
Washington Department of Financial Institutions
PO Box 41200, Olympia WA 98504
Phone Number: (360) 902-8700
Type of Entity
Business ManagementMr. Michael Young, President
Real Estate Loans Mortgage Brokers
Hours of Operation8:30 am - 5:30 pm
Service AreaWashington State
Alternate Business NamesBerlind Corp
601 Main St
Edmonds, WA 98020 (888) 563-9234 (425) 697-5955 Directions
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BBB Complaint Process
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Additional Phone Numbers
- (888) 563-9234(Phone)
Additional Email Addresses
Complaint Trends - Last 3 Years
Customer Review Trends
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|
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BBB Letter Grade Scale
Star Rating scale
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Problems with Product/Service
Read Complaint Details
Complaint: My husband and I were first time home buyers, we gave Infinity Mortgage Group 45 days to complete our loan and we gave them every single piece of information they asked for. In return for our compliance and willingness to do everything they asked of us, Infinity Mortgage Group, mostly ******* ***** who is the owner and founder of the business, ignored our calls and emails, were rude and dismissive, shared our personal and financial information with parties other than myself and my husband, and they disregarded our timetable for closing on a house that we had offered on that they did not turn in any of our paper work to the bank giving us the loan until our actual closing date. They told us that they had turned everything in weeks before and were waiting. They lied to us about our loan in guaranteeing us a loan and cost us our house that we were wanting and needing to move too. Their blatant disregard cost us time, money and also our privacy as several people now our personal and financial business that have never been given authorization to know.
Desired Settlement: I would like a refund of the appraisal, home inspection and loan process. I also would like some disciplinary action taken against ******* ***** and Infinity Mortgage Group.
Business Response: Business' Initial Response /* (1000, 6, 2013/05/24) */ The ********'s loan was turned down by the lender for inconsistent income. That was not determined until all of the borrower's conditions were reviewed. The ********'s were given a complete application to sign and return on 3/29/2013. The application was returned on 4/10/2013 and submitted to the lender that same day. The lender came back and requested several conditions such as a P&L from the self-employed borrower, a letter regarding the disparity in the income from 2010, 2011 and 2012. There was also several addendums requested to be signed for the Purchase and sales Agreement which the seller was slow to take care of. The sales price on the house changed during the process. Once the lender saw the conditions, they denied the file due to lack of consistent income on the part of the self-employed borrower. The ********'s were contacted immediately. The lender did give an option of adding a co-borrower to the loan for qualifying purposes but the ********'s declined. The loan was turned down within 16 days of the time that we received the signed documents from the borrower. My staff and I were in constant contact with with the ********* either by email or by phone. Phone calls and emails were returned as soon as possible. My processor sent 96 emails over the course of 16 days to the ********** Mr. ******** came to me after talking with another broker. After getting my quote he was encouraged to go back to the company that he had been working with to see if they could compete with the pricing we were offering. I met with him and suggested a way to boost Mrs. ********'s credit score by seeing if a late payment could be removed. It was and my company picked up the cost for the Rapid Rescore of their credit profile. We tried everything that we could to try to convince the lender to make the loan and we might have been able to find a lender who would make the loan if we had more time. The delay in receiving the documents from the ********'s left no time after the loan was declined to find another lender. The loan was sent to a particular lender because they would accept a CPA letter to validate the ********'s 2012 tax return in lieu of the IRS 4506T certification. Other lenders that I talked to would not. The lender cited the lack of consistent income - business income - as the reason for the denial. The lender caught other inconsitencies in the returns which I will not go into. The ********'s were never guaranteed a mortgage. We are a broker and all of the loans that we do are subject to a final lender review of the borrowers complete loan package. When the loan was declined, I offered to refund the borrower's appraisal expense of $515.00. I was emailed by Mr. ******** on 4/29/2013 to confirm that I would do that and I responded back that I would. A check was sent to the ********'s for the appraisal expense on 5/1/2013. I checked my email correspondence and I do not see anything regarding paying for an inspection since that is not something that we or our lenders would require to do a loan. Our goal is to close every application that we receive and to not waste our time or an applicants time if they do not qualify. The ********'s loan was declined within 16 days of returning their signed application. We did contact the selling agent and informed him that the ********'s loan was declined on 4/26/2013. This was our obligation. We did not collect any funds from the borrower. They did not pay us any fees so I am not sure what they are wanting us to refund. I have been in this business for 25 years. Most of my business is referrals and repeat business - such as Mrs. ********'s parents for whom I have done two loans. We have a great track record with the BBB because we have satisfied clients. I would like to make Mr. and Mrs. ******** happy if possible. I took the step by picking up any upfront costs that we had to process the loan including appraisal, credit, automated underwriting costs and the rapid rescore fees. This complaint that appears on 5/21/2013 is the first that I have heard from the borrowers since I refunded the appraisal costs over three weeks ago. It is unfortunate that loans are declined. It does not happen very often. This was a tough one but my staff and I did everything that we could to try to make it happen for the ******** Sincerely, ******* ***** Consumer's Final Response /* (2000, 8, 2013/06/07) */ (The consumer indicated he/she ACCEPTED the response from the business.)