Figure Review

I thought it was a scam it's really true I'm so impressed with the Service it's Awesome thx. U figure

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Your a great asset to the lending industry thanks a gian

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Without a doubt, the easiest financial transaction I have done in decades, maybe ever. The customer service aspect was perfect. Quick, succinct answers to all my questions, and clear communication on any requests to me. Frequent updates on status. Bare minimum requirements in terms of documentation or approvals.

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I am beyond happy with my experience. The customer service in the support department was top notch. The entire process was quicker than I had expected. I would definitely recommend.

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This was a pretty simple process. After a hiccup with accessing financial data, customer service tried to be helpful and ultimately resolved the issue. Turnaround time for funds dispersement was outstanding.

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This loan process was the easiest I have ever gone through. Every person I made contact was helpful, courteous, polite, and answered all my questions. Thanks to all of you for making this process so easy.

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Process was quick and painless. Funding team was very thorough and kept expectations well in tact. Would absolutely recommend!

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Loan process was quick and easy!!!

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This was about the easiest loan process ever. Straightforward with no surprises. Definitely would recommend Figure for your loan needs.

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Up to this moment I have been very impressed with your customer service , anyone I have spoken with was knowledgeable and courteous , I do hope and expect that this trend will continue in the future. I have spoken to friends and former clients of mine and recommended Figure to service their needs when needed. One small issue, your long hold on phone calls, not diminishing your customer service just a small improvement maybe needed. Thank you

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Figure has been absolutely amazing . When I read they could fund your loan in as little as five days I didn’t believe it but they lived up to their advertising. The entire process was seamless from the initial application , confirming eligibility, linking bank accounts, and the e-notary process. When the funding process began the money was in my account that very day. Customer service, either via e-mail or phone , was always top notch and representatives understood the process. Especially considering the long , arduous process encountered with most lenders, Figure is heads and shoulders above the rest. Figure comes with my highest recommendation.

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30 days of waiting and my app was voided. Need to re apply and wait another 30 days. Yeah not gonna happen. Waste of time amd energy

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I was Approved for a home equity loan the Friday before Memorial Day. Passed all the steps just waiting on funding. I call a little more than a week after signing all the documents to check the status of funding knowing that holidays delay financial transactions - I’m told the loan is funded they’re just are having trouble getting the funds transferred to our particular bank. Nothing I can do to help the process. A week later - after hours on a Saturday, I get an email from Mike W apologizing for the delay. They’re having trouble getting a 3rd party vendor to verify the condition of the home. They are working on it and as a thank you for my patience, be on the lookout for a link to receive a $50 Amazon Gift Card. 24 hours later, no email with an Amazon Gift Card. No, my loan is canceled due to inactivity for more than 2 weeks!

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good company, good security, good rate Thank you Figure.

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Excellent work!

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Just days ago I was worried that I might not get the money I was looking for. I never thought I would get as much as I did this fast they truly are amazing. This is where I'll be coming to from now on.

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One of the best financial company I’ve worked with. Very helpful customer service when needed. I’m not the best at technology but they were so helpful talking me through the process. Very quick turnaround Highly recommend

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Glad to have a platform to say Thankyou. This was by far the easiest process I have been a part of. We had a few questions throughout the loan process and every time we called, whoever we spoke with was very pleasant and courteous. Thankyou for all your help and great attitude. I’m glad we took the time to check your organization out😁

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Very Happy people that I dealt with which makes a difference in the overall experience. Great online application process. Overall great experience.

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Staff is very professional and courteous on the phone.

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I would like to thank you for the assisting me through the process. Thank you

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Lol, I signed closing docs 9 days ago, they say they will void the loan in 5 days if they do not get their PCRA (drive by appraisal) completed. Its their responsibility to get their vendor to do the job. Loan was supposed to be funded days ago. Customer service is opaque and will not answer questions. If you want to waste your time, Figure. Update: They did indeed cancel on me for their own failure. Just see the canned response below shirking responsibility and blaming their own vendor. Hey guys you hired them so take responsibility. You could have easily fixed this by just leaving yourself an option in your contract with the vendor to hire someone else if they fail to reach a certain deadline. Looks like others are having this problem as well on the reviews.

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Amazing customer support! After attempting two other traditional cash out REFIs that were riddled with obstacles and delays, figure lived up to their promise of quick closing. Thank you.

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It was great experience with Figure lending. Timely funded my loan and quickly. Thanks

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Needed a person loan to pay off some debt this company save my life. If I need a loan in the future defently will use this company.

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this was the easiest line of equity to take out it only took 6 days

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Super convenient! I recently applied for a home equity loan through Figure. The whole process was online and super easy. I had trouble connecting with the e-notary, and representatives from Figure reached out immediately to help walk me through some things that would help. I like that they have an app and communicate status throughout the process. I don't think it could have been any easier to apply for a home equity loan and get funding.

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Great service!

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This process was quick and people there were extremely nice and helpful. Thank you for all your help.

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Fast and easy process! Thanks!

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Wow! As someone that works in the real estate industry, this process was superb. Simple, quick, and efficient. Customer support was always there to help and things were completed exactly as promised. Highly recommend!

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Very fast and efficient ! Boom - it’s done . I have my loan and terms were great.

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Yes, this is the fastest processing you’ve ever seen. But beware. This is not like any HELOC we have ever had. If you draw an amount you want as a line of credit and pay back -say- 80%, your payment never goes down. You can prepay 120k and they will still take their monthly draw. It is fully amortized like a 1st mortgage. Any additional draws, on now available credit, only make your monthly payment go up. Don’t get this! They want to seize you home when you can’t make a monthly payment and owe almost nothing.

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Figure was able to process and approve my second mortgage in record time. Its employees were professional and efficient, yet remained courteous and personable at all times. I work as a prosecutor who investigates, and takes legal action against, corporations that mistreat consumers. If all corporations operated like Figure does, I would be unemployed. I highly recommend this company. Best regards, Dan W. Taliaferro

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We needed a quick loan. The process of getting it was pretty painless, setting up auto payments was seamless. I am a few years in to paying it off and the reports and reminders are minimal (which I far prefer) but secure and understandable. I have never at any point felt like I was being scammed or pressured into something I didn't want. If I need another loan later, I will go with Figure again.

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Very fast and secure application! Probably the best customer service I have ever had! I had a lot of questions and they were more than happy to answer.

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the process was simple, easy, and convenient. I would consider doing all my financial loan through Figure.

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Concept is fantastic: computer model …. Etc …..Sadly too many gaps or intentionally setup to undervalue properties!!!! Figure uses 3rd party Valuation and deed updates. Very simple example…. In NJ market is on fire. Valuation I was presented was based on comps of roughly 2 years old. Operationally support member use words very loosely. For example number of times I was told “you have to own your property for 90 days.” In the real world ownership begins from the day you close and you are handed over the keys. In Figures language that actually means…. The town/county has to have your paper work for deed updated over 90 days ago. So for example if town/county is delayed due to covid figures will have till county/town has info updated for 90 days. But wait!!! It gets worse!!!! Even if it’s been 90 days, it won’t matter because as mentioned in the beginning, Figures uses third party at unknown frequency to get updates for ownership of properties. Very unfortunate that logistically it’s setup for failure. Fantastic concept need better execution!!!! T

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Excellent product and great company to work with!

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It's ALL GOOD. Really quick n easy.

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Figure is just what the people need, a smooth online system of loan programs. great website and customer support. I have used them for several loans lately and the process is very quick and easy.

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This was a very easy experience. I called both banks and the credit union that I do business with and figure was so much easier and loaned us way more money!

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Great customer service and good ARP RATES.. ( paying off my high credit cards APR) I’m impressed so far ..

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Great service & turnaround by all of the staff involved. Seamless process.

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I wanted to really like Figure. I think automated systems are the future and really wanted to experience the ease of using it for my HELOC. Unfortunately, they only look at your adjusted income from your taxes. This means income from a rental property won’t be taken into account, only the profit from a rental (not total income). This makes it extremely difficult to get a loan when your adjusted income only appears to be your profit margin and not the fact that the rentals mortgage is completely covered by a renter. I imagine with less difficult requests, this lender could be stellar. But in my case they didn’t offer much help since they won’t manually review documents.

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Lighting fast application process requiring a fraction of the paperwork and friction that brick and mortar lenders require. Had an approval in like 10 minutes! Even though the electronic value assessment used for the subject property was very low, I’m extremely pleased with the service. Very innovative. Customer service folks were outstanding as well, wait times low and didn’t have to enter a ton of annoying prompts to speak with someone either. Nice service!

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Quick and easy application process. I was waiting weeks to hear back from my bank on my HELOC application. Figure took 1 day for approval. THANK YOU!

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**Update June 1, 2021** As per Figure the payment was sent to Home Point and was applied to my loan 1 month and 2 days after the loan was transferred. Jerrod, Figure Supervisor, advised that they have no control over how Home Point applies payments and I would have to contact Home Point directly to resolve the posted payment date. Figure has taken no accountability for the mishandling and misappropriation of funds. I highly encourage anyone who is looking to refinance to stay clear of Figure! Figure accepted payment for my loan on April 2, 2021 then sold my Loan to Home Point and never sent the money to Home Point, and refuses to refund me the money directly. Was told on May 4, 2021 the funds would be sent to Home Point. To date, this has not happened. Figure Lending is withholding funds while I am accruing more interest than I should be with Home Point. Beware before you move forward with refinancing with Figure!

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The processing of documents and the technology being used are great. Thank you for an excellent service. Juliana V. Erkins

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So incredibly easy and quick. All online. No incessant phone calls and spam.

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This company is amazing. Great communication and timely replies. My own bank wasn't helpful at all. Figure.com did everything my bank refused to do for us. My husband and I couldn't be happier. Thank you Figure.com!!!

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After struggling with another bank for months I turned to figure, I was thrilled that the loan was approved and I received the money in a week, very professional and easy to work with.

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I applied for a home equity loan after receiving an offer in the mail. Easiest process ever-total time from application to funds in my account was 10 days. Rates were competitive and everything was done online. My county required an in person signing with a notary and Figure set that up for me very quickly, I mean within a day! I had never heard of figure but am very impressed by them now!

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Fast, easy great staff and overall the best loan company I've worked with.

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Figure has made it so easy to do a heloc, the process couldn't be easier, it was so streamlined it was crazy, I had to submit just a few pieces of ID and that was about it, couldn't thank them enough for helping me out in paying off some bills

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Quick painless easy process & they answered all of my questions. Excellent service!!!

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I would just like to say that this was the easiest process I've even dealt with. From the day we first applied to the funds being available was only 7 days. The payment is exactly what they said it was going to be. If I even need a loan in the future, this is where I will go. Cannot recommend Figure enough.

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Fast approval and professional service All the application processes was online Money was deposited to my bank as they told me at the beginning Beyond expectations service I really recommend everyone that need help with finances to use figure lending Thank you

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Very quick process and no hassle with appraisal at all. Everything done via online. Plus, they are working 7 days a week so there is a ton of time available for either a quick chat or a call. Employees are pleasant and helpful.

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If you don’t mind paying a little for great service, this is the best loan experience I have ever had. The technology makes the loan application, verifications and signing super quick and easy. I wish all my loans could be this effortless. I’m a very satisfied customer.

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Thoroughly impressed. I was considering a HELOC and had received a mailer from Figure. I decided to include them as a financial institution to consider. After discussing the terms with other banks/lenders, I decided to apply with Figure to see what they could offer. I was surprised how easy and detailed the entire process was. And amazed how everything could be done online in a short period of time. Including identity verification and income verification. Honestly didn't know this possible. I was able to get a great rate on a $35K HELOC for debt consolidation, and complete the entire process in a couple of hours on a Saturday afternoon. I know this sounds like a fake testimonial, but it's legit. I'm impressed and would recommend Figure to a friend or family member.

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What an absolute horrible platform. They state they figure income off 1 checking account, so if you're married and have separate accounts you're screwed there. Here's the worst part though....after you get past their identity screen there's no button to move you forward. None, so you're stuck. Also, I asked if I could email in our retirement savings. Nope, you can't do that either. I tried speaking with customer service and here's what they said "In order to build a fully automated system we require levels of security that does not work with anybody". Their platform was built by monkees.

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Great job! It was a very easy process. I was surprised at how quickly it was funded. I highly recommend FIGURE!

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great job thanks

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Quick process. Took me couple of days and the money was in my account. And the best thing everything was done thru my phone.

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Purely online process. Did make me a little uneasy at first as you have to give authorization to your accounts. Once notary was done and the waiting period for you to rescind is over, it was funded the next day. I did appreciate the live support via phone and if using the chat, they email you with a synopsis of the conversation. I called after using the chat and actually talked to the same person I chatted with. That was very nice to know they staff the chat and support from within. So far, I'm very satisfied with Figure and would recommend them to a friend:)

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Courteous, professional & efficient customer service. The entire process was seamless.

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Quick and easy process. Great customer service

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EXCELLENT customer service. Everyone is very prompt in responding to your questions. They don’t rush you. They make sure you understand everything. Every single person I interacted with from start to finish were truly amazing, kind, and courteous people. I highly recommend Figure.

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Simple and easy process. Decent rates.

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Figure is helping my family to meet our financial goals. The application process was seamless, precise and super simple. Everyone I worked with was helpful and and have no idea how much of a blessing they have been to my family and I. All I can say is to God be all the glory and Thank you Figure.

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I must say, Figure really helped me out when I needed them. I needed to get repairs done to my house, property taxes paid, and they took all the pressure off of me. They approved me for a loan in a few days, money was in my account. I will be recommending them to my family and friends. Thanks again Figure!!!

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This was the most seamless process I have ever experienced through online lending. Decision and funding within days. Great support staff walked me through to the end. I will never go anywhere else. Figure is the place.

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The loan process with Figure was seamless, guys. Seamless! From the very first pre-qualification review, to the application process and submittal of required information, this was by far the easiest loan I've ever applied for. The approval process was quick, easy and everyone I dealt with was really nice. They seemed happy to be doing their jobs which came through in their emails and also on the video call. I'm pleased with Figure's platform, use of technology and quick approval process. The loan terms are favorable given and I couldn't be happier with the process. Please give Figure a shot, you won't be disappointed!

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This has been the best real estate financial process I have ever experienced! Fast and straight to the point. Prior to this, I was pursuing a cash out refinance with multiple institutions but it never went through due to the exorbitant scrutiny of my financial well-being. Figure was able to streamline the process and I was funded within a matter of days! I'll NEVER seek another company to finance my real estate endeavors! Figure is the BEST out there!

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What can I say, I applied for a HELOC loan, got approved and funded in less than a week! The process was straightforward and simple to follow. Once I logged in to their web app it is so easy to navigate and the task list is helpful. All of the documents can be viewed in the website, statements, disclosures etc. Making a payment is easy too. The customer service is superb, I get a quick response from the chat window with a real person. Overall I recommend their service if you want fast funding! They are LEGIT!

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My experience was quick friendly and very easy. This is a great aspect, especially since I am not computer savvy. I would definitely recommend you to my friends and family if they should have the need.

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Can't say enough good things about the Figure employees and program. This was the most efficient and easy financial transaction Ive ever done.

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Very quick and easy! Thx!

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Quick, easy application and approval process. We would use them again

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My experience with Figure was exceptional. Taylor C helped me so much with my application. He was professional and courteous. I was very satisfied with the experience and would recommend Figure to others.

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Figure made the home equity loan extremely easy. I have never had as good of an experience with any other financial institutions. I would recommend Figure in a heartbeat!

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Simple, clear process. Answered questions promptly and accurately.

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Application process was quick and easy, rates are competitive and customer service impeccable. I feel very secure in their online seamless processing. I did have a problem with scheduling of the notary appointment however that in no way reflects back to Figure. They in fact resolved the issue immediately. Processing time was unbelievably fast.

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Excellent experience start to finish. Very efficient, very professional, and funds were made available with no delays. We would not hesitate to re-use or recommend to family and friends.

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Spectrum Center

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All I can say is wow!! 5 days from approval to cash in bank. Two key things to remember-take a real picture of your ID and email to yourself, scans do not work, even if converted. As soon as you get approval (no more than 5 minutes after application completed, call the number on dashboard and get E-notary completed. This is a 100% automated process and if you are trying to do it through mail this is not the company. The rate was exact rate my credit union offered and would have taken 3-4 weeks to complete process. The customer service was beyond reproach. Great job!

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We saw the ad when I checked my credit rating, so since we had quite a lot of credit card debt, decided to see if we qualified. A few days later we decided to apply, which took very little time. Some computer/iPad knowledge helped, but 4 days later we had money in our bank account! Just remarkable when can be done from your own living room. The few times I had questions, I used the chat feature and waited no longer than 60 seconds to get a response. I recommend this service to anyone who needs some $ assistance.

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made it easy very good with info and communication! thats the key. I am new computer user and it was easy for me. thank you Figure$$$

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Easy and clear process. I will highly recommend Figure as a solution to your financial needs.

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Figure made this process sooo easy compared to the old way of doing business. Online is the best way and not as cumbersome as the old way (which usually took 30 days and 50+ sheets of paper). Thanks again to the most helpful staff at Figure.

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Relatively simple, straightforward process. All documents are easily accessible.

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Received my funds within 5 working days just like the company promised. No hassle, very smooth transition.

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Thank you for accepting and approving my loan application. The process was efficient, and was clear as to what documents were needed. You patiently allowed time for the those items to be sent, received, and processed. Once everything was approved, and notarized, the funds were deposited into my account, all was done on line, awesome!!! Can't thank you all enough 🙏 I have financial security now, and can move forward in this journey to live a comfortable, peaceful, stressless life. Thank, and God bless you and as you have blessed me, Peace

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I was stunned at how fast I had the funds in my bank account and at how efficient and easy the process is. The help line was there through the process to answer any questions and assist when necessary. They were knowledgeable, polite and answered the phone promptly every time I called, I strongly recommend this company!

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Very fast and easy no problems at all,very friendly customer service people.

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Easy process to get the loan (low pressure, too). And the payment scheduling and setting up auto-pay were easy. And the reports are clear and straightforward. I hope to not need a loan again, but if I did, I wouldn't hesitate to call Figure.

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Quck and seamless process. 6days from start to finish - Highly recommend Figure HELOC

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These folks have this down! It was such a streamlined, quick, no agony process. And lady I interviewed with was so pleasant! Great operation

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We recently got a HELOC with Figure. The process required a lot less documentation and effort in our part than other loans I have had over the years and moved much faster than other HELOCs are currently moving (about two weeks for us because they couldn’t get our deed online and we live in a county that requires in-person notary). The rate is also higher than others, but is better than credit cards and has no prepayment penalties. They are very quick to respond by chat and reasonably fast by phone if you have questions.

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