Equity One

🏆 Equity One is the best! The apartments are spacious and well-maintained, the amenities are top-notch, and the staff is incredibly friendly and helpful. It's a great place to call home. 🏆

The apartments provided by Equity One are simply outstanding. The amenities are top-notch and the staff is always friendly and helpful. I have been living in one of their apartments for a couple of years now and I couldn't be happier with my decision. The location is great and the maintenance team is prompt in addressing any issues. I highly recommend Equity One to anyone looking for a comfortable and convenient living space.

I recently moved into a new apartment and I'm really impressed with the quality and value provided by the management company. The facilities are well-maintained and the leasing process was smooth. The location is convenient and there are plenty of amenities nearby. I highly recommend this place for anyone in search of a nice apartment.

Equity One has been a great place to live. The apartments are spacious and well-maintained, and the staff is always available to help with any concerns. The surrounding neighborhood is convenient with easy access to shopping and dining options. Overall, I'm very satisfied with my experience here.

👏 I love living in an Equity One apartment! The staff is amazing, the apartments are beautiful, and the amenities are outstanding. I couldn't be happier with my decision to choose Equity One. Highly recommended! 👏

I've never been more satisfied with an apartment than I am with my Equity One apartment. The management team is attentive and responsive, and the maintenance is top-notch. The location is convenient and there are plenty of nearby attractions. I highly recommend Equity One to anyone looking for a great place to live.

I've been a resident of Equity One for several years now and I can't imagine living anywhere else. The management team is fantastic and they truly care about their residents. The apartments are modern and comfortable, and the location is unbeatable. I highly recommend Equity One!

👍 I absolutely love living in an Equity One apartment! The staff is friendly and responsive, the amenities are great, and the location is perfect. I couldn't be happier with my decision to choose Equity One as my home. Highly recommended! 👍

RUN AWAY! AS FAST AS YOU CAN NOW! UNFAIR RIDICULOUSLY HIGH RATES YOU CAN DO BETTER ALMOST ANYWHERE YOU GO !

EIGHTEEN PERCENT REALLY ? PAYMENTS DUE EVERY 2 WEEKS??
WHAT A BAD JOKE !!

LMAO I HAVE A CREDIT CARD WITH LOWER RATES THAN THAT -

Dan is a very nice man and works with you. I was ready to sign loan docs in February when I realized that there was a prepayment penalty from 2nd leinholder, and Dan understood that I didn't want to pay that additional cost of $1800.00. We agreed to to wait until August which at that time there will no longer be the prepayment penalty. Thank you Dan. I will call you in August! Highly recommend his services!

Dan is a very kind man and very understanding. He helps people when no one else will.

This is a public message to all potential clients of Equity 1 Loans and existing clients. The following is a blurb copied from an email from an attorney...
"the loan funds for owner occupied property must be for a business need and not for a personal, family or household use.
Examples include a loan to expand your business or a loan to put a business office in your residence. Which is not the case for loans made by this lender.

If you have checked around, you have undoubtedly found that most hard money lenders will not do owner occupied loans. Why is that? Mostly, it is because the lending requirements set forth by the Truth In Lending Act, Regulation Z, Real Estate Settlement Procedures Act and Regulation X are stricter on owner occupied loans than non-owner occupied loans.There are some who think that it is illegal to do a hard money loan on owner occupied properties. At the other end of the spectrum, there are others who think anything goes because it is hard money. Clearly, neither of these are correct.

In reality, there are a lot of misconceptions about lending laws that cause people to have incorrect ideas of what can and can t be done.
The truth is that it is legal to do these loans but there are many limitations on what can be done and how much can be charged in fees. Not to mention the business need provision mentioned earlier.

Among the requirements that pertain specifically to owner occupied loans are the following:

1) Income must be verified through a third party source to show a borrowers Ability To Repay which
2) If the loan qualifies as a high-cost loan , property taxes and hazard insurance must be collected (impounded) for at least the first year of the loan. (Only the borrower can cancel the impound account, not the lender.) Any loan above prime rates is federally considered a high cost loan. 17% definitely qualifies. Therefore this lender Dan Cook Jr. and Equity 1 Loans must by law take pmi through impound which he does not and he did not have a lease or business intent or plan filed with his docs for an owner occupied property. He also did not verify income via third party, also a violation. These loans are fraudulent."

Any one who has a loan with Equity 1 should contact an attorney outside of Bakersfield and show them this information to act on your behalf.