• Report: #1125444
Complaint Review:

Ripoff Report | Financial Funding LLC

  • Submitted: Fri, February 21, 2014
  • Updated: Thu, November 19, 2015

  • Reported By: Kathy — Gastonia North Carolina
Financial Funding LLC
2 Industrial Way West Suite 2021 Eatonton, New Jersey USA

CRE-Finance REVIEW: CRE-Finance dedicated to total customer satisfaction. CRE-Finance management takes hands on approach to working with clients from application through closing.
*UPDATE: CRE-Finance, LLC pledges commitment to Ripoff Report Corporate Advocacy, Business Remediation & Customer Satisfaction Program. A program that benefits consumers, ensuring complete satisfaction, confidence when doing business with a member business. CRE-Finance recognized by Ripoff Report Verified™ as a safe business service.

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EDitor's UPDATE: Positive rating and recognition has been given to CRE-Finance for its full commitment to quality customer service.

Ripoff Report's discussions with CRE-Finance, LLC have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. CRE-Finance, LLC listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

CRE-Finance's principal and managing member, Mr. Richard Tretsky, has informed us that his personal philosophy is that his clients success are the heart of the business. As a successful businessman, Mr. Tretsky feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Tretsky hopes to maintain CRE-FINANCE, LLC as a successful enterprise both now and for many years to come. Another top executive, CEO Todd Tretsky told us that Mr. Tretsky's personal business philosophy is based on the premise that "strives to add value in service, understanding that a successful business model is based on value-added services, and client care". CRE-FINANCE, LLC's Todd Tretsky says this, "We are one of the top Correspondent Lenders for helping small businesses create and build their own businesses. With us, you'll always receive an honest and straightforward approach to financing that comes from a team who consistently works with affiliates from large and small investors to find the best fit for the financial needs of small businesses all over the country.”

One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "CRE-Finance, LLC truly communicate all aspects of the service in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments, and deliver on their promises.”

The information provided in this report is based on comments made by Richard Tretsky during an onsite inspection held by a third party verification company with no biases toward World Patent Marketing.
CRE-Finance is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

CRE-Finance LLC is a correspondence commercial mortgage lending company that can also be found under the company name Financial Funding LLC. They provide a wide array loan options for potential clients for all types of commercial loans. One of CRE-Finance LLC's main objectives is dealing with banks, insurance companies, and investment bankers in order to place investor's loans with the right lender.

Most of their leads are developed through their positive reputation. Richard Tretsky went on to explain, "over the past forty years we have built a network of quality mortgage brokers, realtors, builders, and developers." The quality of their reputation has led to financial consultants and accountants referring their services to potential clients. Mr. Tretsky also informed us that they do advertise on both Google and yahoo which has provided leads for their company. It should be noted that none of the leads for CRE-Finance LLC are purchased.



During the onsite interview Mr. Tretsky was asked to describe a situation where a client was not satisfied with the level of service they received. Mr. Tretsky went on to explain that, "usually complaints against our company are in reference to clients believing that their property should be appraised at a higher value. If complaints like this arise CRE-Finance LLC with offer for an appraisal to be conducted by a third party appraiser. This allows for the client to have a firm understanding of their properties worth from an unbiased source. Complaints can also arise when clients are asked to provide documentation necessary to determine whether or not they qualify for a loan. However, once the proper documentation is provided and the loan can be closed the issues are resolved.”

When asked to comment on complaints posted on Ripoff Report's website Mr. Tretsky informed us that some people who inquire services with CRE-Finance LLC believe that they will automatically qualify for a loan, or receive a certain loan amount. However, this is simply not the case, there are several factors that go into determining the qualifications of a loan. With over 40 years of experience and funding over 10,000 loans CRE-Finance LLC understands the many elements that go into applying for a loan, and are glad to go over applications and provide any information to get people funded. They will use all their professional experience to make sure every customer is ultimately satisfied.

When asked what type of changes they have made to honor their commitment to make things right with the customer per the request of Ripoff Report, Mr. Tretsky informed us that they have added additional staff, and spoke of one staff member in particular who has 25 years of experience. This staff member will primarily focus their attention on QUALITY CONTROL.

World Patent Marketing is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. They view this as an opportunity to show their dedication to quality customer service through a trustworthy source.



"Whether you’re an individual or a business, chances are you don’t feel warm and fuzzy about commercial mortgages. The term “friendly, local banker” seems to be a sweet little notion left over from the last century—a relic that has lost its meaning. What’s more, securing loans, finding reasonable fees, and simply getting sound financial guidance and personal attention have become major challenges. For many, the entire commercial mortgage experience is discouraging—even intimidating. At CRE Finance, LLC we’re restoring your faith in Correspondents. Designed to be a resource for all your commercial mortgage needs, we focus on relationships first. By getting to know you, we’re able to find solutions that let you meet your goals and fulfill your dreams. Small enough to be nimble—and unencumbered by the layers of bureaucracy that plague large institutions. We’re creative and understanding, plus we have the flexibility to customize solutions and provide commercial financing needs that suits your situation. We respond quickly, so you can move forward with your life and your plans. Don’t mistake “small” for “unsophisticated,” though. Knowing that convenience is important to you, we offer innovative products that are very competitive. What really defines us is our team. Seasoned over 100 years of combined training, and extremely approachable, our executives and staff are also immersed in your loan process with the goal of building relationships and make your corner of the world a better place to live. At CRE Finance, LLC, your “friendly, Commercial Correspondent is here to serve you. So call us today to create the life you want, whether it’s building a business, growing or expanding your business, financing one building or multiple buildings we are here to help.”

“We are one of the top correspondent lenders for helping small businesses create and build their own businesses. With us, you'll always receive an honest and straightforward approach to financing that comes from a team who consistently with affiliates from large and small investors to find the best fit for the financial needs of small businesses all over the country. Please take time to review our site, learn about some of our programs, and meet the people who will work with you during the transaction, understand our history, and receive answers to some of your questions.”

CRE-Finance, LLC's CRE-Finance, LLC's team have expressed that they feel very confident doing their job. CRE-Finance, LLC takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "CRE-FINANCE, LLC provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. Mr. Tretsky is truly concerned about our contribution to the company and providing growth opportunities for us. He takes the time to listen and communicate with employees and customers.”

Ripoff Report was pleased to learn that CRE-Finance, LLC's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.



Choosing a Lender, Broker, or Correspondent Lender

"Maybe you've heard of mortgage lenders and mortgage brokers, but you're not sure what the difference is, or why you'd choose one over the other. Let's explore the differences between lenders and brokers, and also explore a third option -- the correspondent lender.


Lenders are banks, mortgage banks, or other financial institutions. These institutions lend their own money. They employ loan officers or other representatives to work with customers and underwriters to process the final loan approval. Underwriting may take place right in the lender's local branch, or at a central location.

Lenders fund your mortgage directly.


Brokers don't lend money. They shop your loan around to lenders until they find one to fund your loan. They may do some of the paperwork involved with funding the loan, but the ultimate underwriting approval is done by the lender.v Brokers work with lenders to fund your mortgage.

Correspondent Lenders

Correspondent lenders are almost like a hybrid between lenders and brokers. They can fund your mortgage themselves, or they can get your mortgage funded by a traditional lender. However, even when they send your mortgage out of house for funding, they can complete the underwriting process in-house, giving them more control and quicker turnaround than a broker.

Correspondent lenders may fund your mortgage directly, or by working with other lenders.

Which is better; a lender, broker, or correspondent lender?

The best person is the one who offers the most competitive rate, lowest fees, fastest turnaround on paperwork and approval, and lowest likelihood of botching your deal. Beyond that:

Brokers offer the flexibility of being able to shop multiple lenders at once. But once they send the paperwork to the lender for underwriting approval, they have no control over the process.

Lenders may offer quicker turnarounds since they conduct underwriting themselves. This is not always true for loan officers at national banks -- they often send their underwriting out of town to a central office.

Correspondent lenders are an excellent option, as they combine the flexibility of brokers and the processing speed and control of a lender.”



CRE-Finance, LLC recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Brandefined has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with Mr. Tretsky, Ripoff Report is convinced that CRE-Finance, LLC is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.


Financial Funding LLC Rich Tretsky, Todd Tretsky, Terri Galligan,, Krtisten Kowalski, Demteria Hardwick Non payment of appraisal services Eatonton New Jersey

My company was sought out by Financial Funding LLC to appraise a property in Louisianna.  We came to an agreement and made a commitment.  My company met their commitment and rendered our agreed upon bill in September 2013. 

Since then many contacts via telephone and email have been made with employees and owners of Financial Funding LLC but to no avail.  They are always "checking with accounting" but no payment is ever rendered.  My company is aware that Financial Funding LLC has been paid by their client and this payments included the cost of our appraisal services.  However, as of February 21, 2014,  we cannot secure payment and now we can no longer get anyone at this company to respond to emails or telephone messages.

I would not advise doing business with this company.  They appear to be negligent, underhanded and unethical in their business practices.

This report was posted on Ripoff Report on 02/21/2014 12:38 PM and is a permanent record located here: http://www.ripoffreport.com/reports/financial-funding-llc/eatonton-new-jersey-07724/financial-funding-llc-rich-tretsky-todd-tretsky-terri-galligan-krtisten-kowalski-de-1125444. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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