District Lending E Vista Dr, Paradise Valley

It is not often enough that you find the owner of a company as readily available and involved as Josh at District Lending is. I would highly recommend their services to anyone in the Phoenix area looking to purchase or refinance a home.

I would highly recommend District Lending whether you are buying a home or refinancing the home you already have because they are incredibly transparent and provide excellent communication that is spot on and most importantly, precisely accurate. Go on and make a call to them today!

My Family and I began looking for our first home in January of this year. As recommended by our REALTOR, we started off by contacting several lenders before deciding to go with District Lending. The first person we spoke with was Josh Phillips. He seemed very charismatic and nice and very willing to help with the Pre Quals. I mean, he returned my call at 9am on a Sunday. On March 30, 2019 we finally found a home and got it under contract, and opened escrow; we were on a roll! Almost immediately, On April 1, 2019, I received a phone call from the owner of District Lending, Josh Rapaport. He stated that he would be taking over our file and commented several times on how this will be “a very easy file... no foreseeable issues... very well qualified”. What a great thing to hear! Our realtor informed him that OfferPad (selling agency) charges a $50 per day per diem for every day over the close of escrow. Mr. Rapaport assured him and me that this would not be an issue at all and that we could possibly be ready to close early. After the inspections were done there were a couple of issues that we were concerned with because of FHA. On April 9, 2019 my realtor contacted Mr. Rapaport regarding the possibilities of repairs needed and the seller’s willingness to offer cash back instead. He mentioned that we should wait to answer the sellers until we got the appraisal back and see what, if any, repairs were needed. At that point, he sent an email to Tami Matthews at Mortgage Processing Group apparently ordering the appraisal. She in turn sent a credit card authorization form for me to complete and return so she could order the appraisal. I returned it to her almost immediately, authorizing the fee she stated would be $495-$515. After assuring us everything was fine and done for two weeks the appraisal was finally ordered April 24. My credit card was charged $645 . Undoubtedly, this increase in cost was due the fact that it’s now a rush order. Our close date was supposed to be May 1, 2019. When I consulted with Mr. Rapaport and expressed my concerns over this I received answers such as “I'm not sure what you want me to do... why would you be afraid of losing their Earnest money?... I don't understand what you are asking me”. After our call on April 26, I was literally in tears. Mr. Rapaport was arrogant and rude. He refused to take responsibility for the delay which is now going to cost me money. In the end, we had to pay a penalty of $350 (OfferPad was kind enough to give us a little wiggle room) because of Mr. Rapaport and his lack of professionalism. Mr. Rapaport only committed to pay $150 with no excuse as to why he will not cover the rest. That is going on the assumption he will actually pay us, because as of today (June 12) he has not. When asked via email as to why he would not accept responsibility, he would dodge the questions and just simply state he will pay $150 and made a promise to cut the check as soon as the loan funded. I am calling out Mr. Rapaport's professionalism and his integrity, in the process of figuring out why the appraisal was not ordered, he simply stated he was not told to and tried to push blame onto our realtor. In my opinion, DO NOT use this company or have dealings with Mr. Rapaport. If he is not willing to make a $350 mistake right, what happens if it is more? What if my realtor was not able to go around him and get us to closing? We could have lost our earnest money and been out more than $4000. Mr. Rapaport made what should have been an exciting experience horrible. Please be advised to use Extreme Caution if you choose to use District Lending.

I used this company to refinance my home and I have to admit I was hesitant to do this at first but everyone I worked with here has been very courteous, friendly, and always available to answer all of my questions. Sure, there were times where they needed to get back to me but they always did so swiftly.

Josh timeliness, thoroughness, and responsiveness are exceptional. I recommend him to everyone I know who is looking for a mortgage or refinance. He makes the process clear and easy. I've done 2 refinances with him.

I appreciated how quickly everything was done. Josh Rapaport was able to get my loan approved when others want a near perfect credit score. He went all out for me. He is the absolute best PERIOD!

Transparency is a word that is floated around a lot lately. I think it is mentioned so much that it has become an idiom. I own lots of property that requires lots of attention and I need transparency when it comes to these finances. That’s why I deal solely with the people at District Lending. And that’s why you should also.

This place is amazing! They are all so kind and efficient. Everything was explained in great detail which made the entire loan process a breeze and really helped take the stress off. The entire mortgage team was also kind and very helpful! I wouldn't recommend anyone this great place!

I was let down by many up until I found District Lending. They helped find the right opportunities at the right time. They were patient and understanding. I was anxious after dealing with over 5 loan officers. But they turned my doubt into gratitude! I highly recommend this team!

Wow, when it comes to service I’ve have never had the support that I had from Josh Rapaport. We had one hiccup from years ago on our credit report. Thanks to Josh’s guidance, we were handed the keys to our new home purchase within four months.