This is my first time working with hard money lenders and I lucked out –Xpress Loans 911 is everything opposite of what people warned me about. Robert and Jill were courteous, timely, and transparent. All of which my bank lender was NOT. They were willing to partner with me on my purchase on a very fast turnaround time and that made all the difference. I wouldwork with them over any other hard money lender.