Achieve Loans Reviews
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About Achieve Loans
Achieve Loans (NMLS #1810501) offers home equity lines of credit (HELOCs). Its product is targeted toward people struggling with high-interest debt, like credit card debt. With a HELOC from Achieve, borrowers can consolidate multiple high-interest debts into one monthly payment. Achieve’s HELOC has a fixed annual percentage rate and a loan term of 10, 15, 20 or 30 years. Achieve also offers personal loans and debt relief options through Freedom Debt Relief.
Visit www.achieve.com- Good for debt consolidation
- Access up to $300,000
- Fixed interest rate
- Funds in 10 to 12 days
- Origination and underwriting fees
- Limited availability (25 states currently)
Helpful Reviews
What is Achieve Loans?
Achieve Loans, formerly Lendage, launched in 2019 and is based in San Mateo, California. It's part of the broader Achieve family of companies, which has a history of serving over 1.5 million customers.
Achieve allows homeowners to use the equity in their home to open a fixed-rate HELOC up to $300,000 they can use for purposes like debt consolidation, home renovation and education. These HELOCs are often used by homeowners to consolidate higher-interest debt into one single monthly payment — often at a lower interest rate. Achieve states that customers can save up to $800 per month on debt payments when they consolidate with a HELOC.
How does Achieve Loans work?
The process of getting a HELOC with Achieve happens in four simple steps:
- Consultation: You speak with one of Achieve’s mortgage advisors to get a free assessment of your eligibility for a loan. Pre-qualifying takes two minutes or less.
- Compare options: Your advisor gives you a full analysis of your loan options, including loan amount, payments, rate, debt you can consolidate and the total cost to you. The amount you can borrow depends on factors like how much equity you have and your debt-to-income ratio (DTI).
- Simple application process: Applying takes just minutes, and it only takes a few days for the Achieve team to gather and verify your information and decide on your application.
- Fast closing: Achieve can close on your HELOC and give you access to your line in as little as 10 to 12 days.
Once your HELOC is approved, you have a draw period of 60 months. During this time, you can use the line of credit to consolidate your debt. As you make payments, you’ll have access to subsequent draws.
Achieve doesn’t charge a prepayment penalty, so you can make a payment in excess of the required minimum at any time without extra fees.
Achieve Loans rates
Achieve's HELOC APRs range from 8.75% to 14.75% at the time of publishing. Depending on where you live, there may be fees associated with opening a HELOC:
- Loan origination fee: 3.5% of the line amount due at closing
- Underwriting fee: Typically $725 due at closing
- Third-party fees (title company fees): Depends on the loan amount and state you’re in
You can have your APR reduced by 0.50% if you enroll in automatic payments from a deposit account.
Achieve Loans FAQ
How much can I borrow from Achieve Loans?
Achieve offers HELOCs in amounts from $15,000 up to $300,000.
What are Achieve loan terms?
An Achieve HELOC has a draw period of 60 months (five years) with loan terms of 10 or 15 years.
Who should get an Achieve loan?
Achieve loans are good for borrowers who own their home, have a credit score of at least 600, and have a loan-to-value (LTV) of under 80% and are looking to consolidate balances on multiple high-interest credit cards.
Who services Achieve’s home equity lines of credit?
Achieve HELOCs are offered through Achieve Loans.
Is a HELOC a bad idea right now?
A HELOC can be a good idea for many homeowners who’ve built up enough equity in their home to use as collateral for their loan. However, as with any secured loan, borrowers should exercise caution, since you could lose your home if you default on your payments.
Still have questions?
Is Achieve Loans legit?
Achieve Loans is a legitimate HELOC provider. An Achieve HELOC may be a good choice for those with home equity looking to consolidate high-interest debt on multiple credit cards. You can borrow up to $300,000 and pay it back at a fixed rate over 10 or 15 years. Before taking out a HELOC, however, you need to understand the loan is secured by your home — so you risk losing your home if you don’t meet your repayment obligations. If you decide you’re interested, contact the company for a free consultation with an Achieve mortgage advisor.
Achieve Loans Reviews
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Reviewed Sept. 12, 2026
We were looking around and trying different places when my wife found Achieve Loans. The process was exceptionally easy. It was nice that it was all online. We were told what we needed to send in, and we sent those things in. Uploading things was easy as well. There were some clarifications, and we got all that. There was good communication. Even the notary that had to be in person was set up for us.
There were no hiccups at all and everyone was easy to work with. There wasn't any one thing then have another kind of thing. The rep, Kevin, was great too. He gave us all the information. You hate to feel like you're in a used car sales situation and it didn't feel like that with Achieve, so that was good. Given our situation, the rates were very fair and reasonable. We were happy to have them. It's a service worth checking out. Sometimes there's some hesitancy when it's a newer company or one that's not as well-known as some of the larger institutions. But it was a very straightforward and legitimate process, and I certainly appreciated it.
Thank you for sharing your fantastic experience with Achieve Loans! We're thrilled to hear that the process was seamless and that our online platform made everything convenient for you. It's wonderful to know that our team communicated effectively and that Kevin provided excellent guidance throughout. We're glad you found the rates fair and the entire experience straightforward and legitimate. Your recommendation means a lot to us. If you have any further questions or need assistance, please don't hesitate to reach out. Thank you again for choosing Achieve Loans!
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Reviewed Aug. 28, 2026
The Achieve Loans rep didn't didn't spend a lot of time trying to sell me anything that wasn't there or put extra fluff on it. He was straightforward, and didn't waste a lot of time. That's important to me. He was knowledgeable and knew exactly what the next step would be, depending on where I was in the process. I was comfortable with him knowing my information and my financial information. Also, I like the simplicity of going through the process and their efficiency. I dealt with one person and then just the second person, and not bouncing all over the place from department to department. There were only two people I dealt with, and they were in contact with one another. However, Achieve Loans' system to upload documents was not easy. They admittedly knew that that could be a problem and gave us an alternate way to get forms and documents to them. They were quick to get back to me and say, "Here, do it this way, and don't worry about it."
Thank you for sharing your detailed feedback. We're pleased to hear that your experience with our team was straightforward and efficient, aligning with your preferences for simplicity and professionalism. It's great to know that our representatives were knowledgeable and made you feel comfortable throughout the process. We apologize for any inconvenience with the document upload system, but appreciate your understanding and adaptability in using the alternate method provided. Your feedback is valuable in helping us improve our services. Should you need any further assistance, please feel free to reach out. We’re here to help!
Reviewed Aug. 20, 2026
Achieve popped up when I was googling online and when I started applying for HELOC with them, they were fast and decent. I put my information on their website, then got the information I needed very quickly. Everything was online. I uploaded documents on there, then they contacted me by email and phone. They made me believe they were legit and the process and took a couple of hours.
But they asked for my bank account where I was going to make my payment from each month before I even accepted the loan terms or signed any agreement, and that was the one thing that I wasn't excited about. Perhaps it was partly because they would give me a percentage discount on my rate if I have automatic payments come out of my account. So, they wanted to know that I was going to be doing that, so that I could get the best rate. Other than that, working with them was super easy and the rate they gave me was fair. For what I was trying to get and how quick it all happened, I was happy with it.
We're pleased to hear that you found our online application process efficient and straightforward. We understand your concern with providing bank details upfront, and appreciate your understanding regarding the rate discount incentive for automatic payments. It's great to know that despite this, you found working with us easy and were satisfied with the fair rate offered. Should you have any further questions or need assistance, please feel free to reach out. Thanks again for choosing Achieve!
Reviewed Aug. 6, 2026
I had some debt and some home repairs that I needed to do, and Achieve Home Loans was the only one that was able to get me a loan. The process took two to three months, but I switched jobs during the middle of all that so a lot of that was on me. But they were quick about it. I was going through a debt consolidation program and they had to use the loan to pay off any outstanding debt I had before they released any money to me. We had an issue with one of them and that took a little while because they wouldn't give us an agreement letter. But the reps at Achieve were all great. Even with the issues I had on my end, they helped me get past it so we could get the loan approved. It was also a very good rate, and it was pretty fair for the deal for the way the loan was set up. I highly recommend Achieve Home Loans.
We're delighted to hear that our team could assist you through the loan process, even with the changes and challenges along the way. It's wonderful to know that you found our support helpful and enjoyed a fair rate on your loan. Your recommendation means a lot to us. Should you have any future questions or need further assistance, we're always here to help. Thank you for choosing Achieve!
Reviewed July 26, 2026
Originally, I was trying to go through SoFi, then it referred me to Achieve. I spoke with Richard, a gentleman at Achieve, and really liked what he had to say, so I decided to go with them. Richard had timely responses and he explained things very well. The whole process from start to finish took three weeks and that ended up working out well. It met and exceeded expectations. The process and the system interface were very easy as well. It made me comfortable to be able to understand what was going on, and for what I needed, the rate worked out. I'd tell people that they should definitely give somebody a shout and hear what they have to offer, and that Achieve helped me out a lot. They potentially could help out others as well.
Thank you for your wonderful feedback! We're thrilled to hear that Richard and our team could provide an exceptional experience from start to finish. It's great knowing that our process and system were easy to understand, helping to meet and exceed your expectations. Your recommendation means a lot to us, and we're glad we could assist you effectively. Should you or anyone you know need further guidance, we're here to help. Thank you for choosing Achieve!
Reviewed Oct. 8, 2026
I want to take a moment to thank Colleen ** and Norma ** for their unselfish support and help at every turn. Without their invaluable support, I could not have completed this application in a timely manner. They both deserve a Gold Star.
Thank you for taking the time to express your gratitude towards Colleen and Norma. We're thrilled to hear that they provided you with exceptional support and assistance throughout your application process. Your acknowledgment of their dedication and teamwork is greatly appreciated, and it's wonderful to know that they could help you achieve your goal efficiently. It’s feedback like yours that inspires our team to continue delivering excellent service. Should you have any other needs or questions, don't hesitate to reach out. We appreciate your kind words and support!
Reviewed Oct. 7, 2026
The staff was very polite and knowledgeable during the loan procedure. I have recommended your services to a friend. If I need your services again, you will be the first company I call.
Thank you for sharing your positive experience with us! We're delighted to hear that our team was both polite and knowledgeable during your loan process. It's wonderful to know that you trust us enough to recommend our services to a friend. We look forward to assisting you with any future needs and appreciate your support. Please don’t hesitate to reach out if you have any questions or require further assistance.
Reviewed Oct. 7, 2026
I have NOT ever seen a company as efficient and professional when dealing with loans. Eric was top-notch, heads and shoulders above his peers. The process was painless, and the TEAM was there to help regardless of the time or day.
We love to hear that Eric and our team provided you with efficient and professional service throughout your loan process. It's wonderful to know that the support was seamless and available whenever you needed it. Your satisfaction is our top priority, and your kind words are a testament to our team's commitment. If you have any further questions or need assistance, please don’t hesitate to reach out. Thank you!
Reviewed Oct. 7, 2026
This has not been an efficient closing. There is poor follow-up; I think I have one pending payment that has not been settled, and I am going to one month post close.
Reviewed Oct. 7, 2026
They make a clear and concise process, answer questions in a simple way that you will understand, helpful and professional.
Thank you! We're thrilled to hear that our team made the process clear and straightforward while providing professional and helpful support. Your feedback reaffirms our commitment to delivering excellent service. Should you have any questions or need further assistance, please don't hesitate to reach out.
Reviewed Oct. 7, 2026
Excellent service. My loan was a little unique, as I recently got divorced. The team worked to help me get the loan closed with minimal inconvenience.
Thank you for sharing!! We're happy to hear that our team was able to assist you in closing your unique loan smoothly and with minimal inconvenience. Your satisfaction is our priority, and it's wonderful to know we could meet your needs even amidst personal changes. Should you have any further questions or require assistance, please feel free to reach out. We appreciate your trust in us!
Reviewed Sept. 9, 2026
Very friendly & efficient. Clear step by step instructions. Accomplished what they promised. Worked with me to meet my needs.
Thank you for sharing your positive experience with us! We're thrilled to hear that our team provided friendly and efficient service while clearly guiding you through each step. It's wonderful to know we met your needs and fulfilled our promises. Your satisfaction is our priority, and your feedback is greatly appreciated. Should you require further assistance or have any questions, please don’t hesitate to reach out.
Reviewed Sept. 9, 2026
Everyone I interacted with was a true professional! They were responsive, knowledgeable, and helpful. Questions were answered in a timely manner and the experience was very pleasant. The system is very user-friendly and I have ZERO complaints! Thank you immensely!!
Thank you for sharing your wonderful experience with us! We are thrilled to hear that our team was able to provide you with professional, responsive, and knowledgeable service. It's fantastic to know that the system met your needs and that you found your experience with us pleasant and user-friendly. Your satisfaction is our top priority, and your positive feedback means the world to us. Should you have any further questions or need assistance, please don't hesitate to reach out. We appreciate your support and are here to help whenever you need us!
Reviewed Aug. 29, 2026
I was enrolled in a debt consolidation loan with Achieve Loans. I was in good standing, and they reached out to me with an offer to lower my monthly payment. It included a cash-out option similar a HELOC. The rep made the process very easy. She explained everything and had good communication. Everything went as smoothly as it could. It was very beneficial that they reached out to me with that offer. I'm saving about 160 bucks a month on the loan payment and I was able to cash out some money, too. It was very helpful for myself and my family.
Thank you for sharing your wonderful experience with Achieve Loans! We’re delighted to hear that the process was smooth and that you found the cash-out option beneficial for you and your family. It's fantastic to know our team was able to effectively communicate and assist you in reducing your monthly payments, putting you in a better financial position. Your feedback is greatly appreciated, and we’re here to help should you have any further questions or need assistance. Thank you for choosing Achieve Loans!
Reviewed Aug. 9, 2026
Everyone that we were put in contact with was absolutely fantastic. I especially want to thank Celeste for all the help and support she provided for us. Everyone was very courteous and professional and patient when we had any questions.
We're thrilled to hear that Celeste and our team provided fantastic support, showing courtesy and professionalism throughout your journey. Your appreciation of their patience when handling your questions truly resonates with our commitment to delivering outstanding service. Should you need any further assistance, please don't hesitate to reach out. We're grateful for your trust and are always here to help.
Reviewed Aug. 9, 2026
I was looking for a home equity loan and became aware of Achieve's company through a post on Reddit. I’ve doing research on the social media site and came their solution or their product. My wife has real estate experience and while I'm sure I could have shopped for better fees if I really looked for it, I went for the ease of the process. Our experience was easy, and it was a good solution for us. The process took two weeks, which wasn't that long. I didn't pay anything up front. We also did research to make sure that their rate was fair based on our current credit profile and from what we could tell, it was. I would recommend Achieve to a friend.
Thank you for sharing your experience with Achieve! We're delighted to hear that the process was easy and met your needs efficiently. It's great to know that our rates aligned with your expectations and that you found value in our services without upfront costs. Your recommendation is much appreciated, and we're thrilled to have been a good solution for your home equity needs. Should you or anyone you know have further questions or need assistance, we're here to help. Thank you for choosing Achieve!
Reviewed Aug. 7, 2026
We were a little nervous about doing a loan to consolidate but were SO happy with our team from start to finish! I would recommend it to anyone. The percentage from the credit cards were so high and we were not going anywhere. The interest we were able to get was less than half!!
Thank you for sharing your positive experience with us! We're thrilled to hear that the loan consolidation process was smooth and beneficial for you. It's great to know that our team provided support from start to finish, allowing you to secure a lower interest rate. Your recommendation is highly appreciated, and we're glad we could assist in making a significant difference for you. Should you or anyone you know need further assistance, we're always here to help.
Reviewed Aug. 5, 2026
I applied for a HELOC to finish house projects and for debt consolidation. Everything was able to be submitted online and it was probably about a week from application to closing. The website is easy to navigate. Also, Achieve Loans' reps were professional, personable, friendly. Overall, it was a quick, positive, and easy experience.
Thank you for your wonderful feedback! We're delighted to hear that the online submission process was simple and that the closing went smoothly within a week. It's great to know the team was professional, personable, and friendly. Your positive experience and recognition motivate us to continue providing excellent service. Should you have any future needs or questions, feel free to reach out. We appreciate you choosing Achieve Loans!
Reviewed July 29, 2026
For the application process at Achieve, I filled out a brief questionnaire and application online. Within minutes, half an hour at the most, I got a couple of phone calls from Achieve. Within 48 hours, it was more or less approved, and it was pretty straightforward. At the time, the rate was a little high, but it was competitive with some other options I was looking at. I’d definitely use them again.
Thank you for your kind words and for sharing your experience with us! We’re glad to hear that our application process was quick and easy for you. Although you noticed our rates were a bit high, we’re pleased you found them competitive and are thrilled you’d consider returning to Achieve again. Should you have any future questions or need guidance, we’re always here to help. Thank you for choosing Achieve!
Reviewed July 25, 2026
We needed something and Achieve was the only one that seemed like a viable option. It seemed too good to be true at first and I was skeptical, but I went with them after I did some digging to see reviews. The application process was super easy and the fact that we haven't needed help is good. Everything was communicated well. There was a couple blips here and there because of time changes and working on weekends, but there were no surprises every step of the way. Everyone's been nice as well. All in all, we had a good experience with Achieve, and I would recommend it. We had some large interest payments that were killing us, and they allowed us to free that up.
We're delighted to know that our process was super easy and well-communicated, despite minor hiccups due to timing. It's particularly gratifying to hear that we could provide a financial relief from large interest payments. Your recommendation means a lot to us. If ever any needs arise, please feel free to reach out. We appreciate your trust and look forward to being of service to you or any friends and family you refer to us.
Reviewed July 19, 2026
Everything was simple and easy from the first phone call to get information on HELOC. Everything was explained and nothing was done without my consent. They have a partnership with different mobile notaries that make closing easy and they come to you.
It's great to know you found everything simple and straightforward, from the initial phone call to the closing. We're pleased that our use of mobile notaries made signing convenient for you. Should you have any further questions or need assistance, don’t hesitate to contact us. We appreciate your trust and are here to support you in the future!
Reviewed July 14, 2026
Loan was sold to another servicer prior to the first payment. I am unable to see loan information or set up account with new servicer.
We apologize for the inconvenience caused by your loan transfer. We understand how important it is for you to access your loan information promptly. Please contact our customer service so we can assist you in connecting with your new servicer and resolving this matter. Thank you for bringing this to our attention.
Reviewed July 11, 2026
I like the affordability with Achieve Home Loans and when I did the application, the process was easy. Everybody was very helpful. Dealing with customer service was good all the way to signing the documents with us. From start to finish, the process took about three weeks. Achieve did a great job.
Thank you for sharing your positive experience with Achieve Home Loans! We're thrilled to hear that our affordability, simplicity in application, and excellent customer service made your process successful. If you have any questions or need assistance in the future, don't hesitate to get in touch. Thank you for choosing Achieve Home Loans!
Reviewed July 8, 2026
1. Achieve should offer standard HELOC as a line of credit rather than mandatory funding. 2. Time from funding to servicing setup is unreasonably long. 3. Achieve should have a bridge department between Achieve and loan services including (human) contact information indicated on the Notice of Servicing Transfer.
Thank you for your detailed feedback. We hear your suggestions on providing more flexible Line of Credit options and streamlined setups between funding and servicing. We appreciate your input on improving personalized support. Your insights are valuable and will guide our efforts to enhance our service. If there is any more immediate assistance we can provide, please let us know.
Reviewed July 8, 2026
We have a construction project that we're endeavoring in the next year, so I wanted to make sure that we had financing secured for that. I was exploring refinancing, and after Achieve received a request from an aggregator, they reached out to me on email. The loan process was relatively simple and communication was smooth. They won in the end. They were proactive, and I enjoyed that we could communicate over text. It was straightforward.
I have one open issue with Achieve, so it's not all roses, but I would characterize them as efficient. They were able to meet our requirements too. These loans are relatively all the same at this point. So, we want to have someone who's efficient and someone who's able to be responsive in communication. People should look at them. They'll get what they're looking for.
Thank you for taking the time to share your experience with us! We’re pleased to hear that our team’s proactive communication and simple, efficient loan process met your expectations. It's great that we could be responsive and fulfill your financing needs for your construction project. We're here to help resolve any outstanding issues – please don't hesitate to reach out. We appreciate your recommendation and look forward to supporting your future endeavors with timely service.
Reviewed July 7, 2026
We were in need of financial help due to medical and credit card debt. Achieve made it a very easy process from start to finish. Helped incredibly. Would choose Achieve again if I ever needed another loan.
We’re so happy to hear that your experience with Achieve was seamless and supportive during a challenging time. It’s great to know that we were able to make the process simple for you from start to finish. We appreciate your continued trust, and we’re here to help whenever you might need assistance in the future. Thank you for choosing us for your loan needs!
Reviewed July 7, 2026
Easy and very simple process for my HELOC loan. Only loan company in about 5-6 different companies that would help me out! I was very fortunate that the loan processor contacted me right away and the paperwork was easy to handle. Not much work on my end. Loan processer did all of the work for me!!
We're delighted to hear that your experience with us was simple and efficient with your HELOC loan! It's fantastic that our team could assist promptly and handle the paperwork, allowing you minimal involvement. We take pride in making the loan application process smooth and accessible for our customers. If you have any further questions, feel free to contact us. Thanks for choosing us—your trust is appreciated!
Reviewed July 7, 2026
Very pleased with the outcome and all the assistance which was provided. All the Associates were very kind in giving me directions on each step of the way. Love the fact that everything has been consolidated into one monthly payment. Thanks to everyone for all the assistance.
Thank you for your fantastic feedback! We're thrilled to hear that our team's guidance helped make the process seamless for you. It's heartening to know you appreciate having everything consolidated into one monthly payment. Assisting clients like you is our pleasure. Should you have any more needs or questions, don't hesitate to reach out. We're here for your continued success!
Reviewed July 7, 2026
Easiest mortgage I've ever done! This process was quick, painless and so easy! The technology was simple to interact with, our loan officer was knowledgeable and not pushy, and the process was simple. At times it almost felt like it was too good to be true. To be honest, I don't know why we didn't do this sooner. Thank you Achieve!
Thank you for sharing your enthusiastic feedback! We're thrilled to hear that your mortgage experience felt effortless through our technology and the friendly guidance of your loan officer. We're delighted Achieve exceeded your expectations, reinforcing that simple and efficient service is possible. Should you need any assistance in the future or have questions later on, feel free to reach out. Thank you for choosing Achieve!
Reviewed July 7, 2026
Thank you, Professor, for your guidance and support throughout this process. Thanks to your help, we successfully completed all the required tasks, and the customer’s loan has been approved. I sincerely appreciate your assistance.
We’re thrilled to have been part of your journey and appreciate your kind words. It’s wonderful to know that the guidance and support received played a vital role in successful completion of the tasks, culminating in the loan approval. We're grateful for your trust and look forward to continued collaboration in the future. If more support or guidance is needed, please feel free to reach out anytime.
Reviewed July 3, 2026
I got a missed call and replied back, and I also received an email. The representative who worked with me was very honest. He started the loan process, and it was good and very fast. Working with Achieve has helped us with the finances we have right now and made things easier. If someone needs help like I did, I will refer and tell them to check Achieve Loans out.
Thank you for sharing your wonderful experience with Achieve! We’re delighted that our fast and transparent loan process made managing your finances easier. It's great to know our team’s honesty and efficiency exceeded your expectations. We're grateful for your willingness to recommend us to others. If you, or anyone you know, need further assistance, feel free to reach out. Thank you for choosing Achieve!
Reviewed July 1, 2026
Everything was handled electronically with Achieve Loans and the process was very easy. I didn't have to do all that much and the rep who assisted me was very good. They asked for paperwork and I submitted the paperwork. But because I had some things going on, it took longer than it should have and that was my fault. It could have been done in three or four weeks. Other than that, the interest rate was a little high. But I don't get to dictate that end of the deal.
Thank you for sharing! We're glad to hear that the process was easy and the representative provided excellent support. We acknowledge your effort in submitting documents despite personal scheduling conflicts, and we appreciate your understanding about the interest rates. If you would like to discuss any questions or provide further feedback, feel free to contact us. Your satisfaction is very important, and we're grateful for your business.
Reviewed June 28, 2026
I had a good experience with Achieve. At the time, I had something from my credit report that my bank wasn't gonna accept, and the Achieve home loan process was just simpler. The application process took about a week. There was someone that had my same name and date of birth. My exact same name with a middle initial that had a judgment, and then we had to prove that that wasn't me.
Thank you for the 5 stars! We're pleased that the home loan process was simple and smooth despite the initial challenges. It's great to know our application processed quickly, meeting your needs effectively. If you have further questions or need assistance, feel free to reach out. We're here to help!
Reviewed June 27, 2026
The application process with Achieve Home Loans was really simple. It took about a week to get everything handled. Everybody was very helpful. The terms of the loan are satisfactory. The rate’s a little bit high, but it's lower than what I was consolidating. So, it was helpful.
Thank you for you review. We're glad to hear the application process was simple and that our team was helpful. While you noted the rate was slightly high, we'll continue striving to offer competitive rates that meet your needs. We're happy to have assisted you in consolidating at a better rate and please don’t hesitate to reach out if you have any further questions. Thank you for choosing Achieve Home Loans!
Reviewed June 26, 2026
I am going on my second month with Achieve. They had the lowest rate and their appraiser appraised my home at a higher value than the other competitors. I got in contact with one guy who takes all the information then the loan officer who completed the loan. It was all done with three phone calls, a few texts, and everything else through their portal online. It was super simple and they gave exactly what they promised in a quick amount of time. Everything was super easy.
We're thrilled to hear your experience with Achieve was smooth and efficient! It's great to know that our competitive rates, home appraisal, and accessible online process met your expectations. We're pleased that our team's minimal yet effective communication and our user-friendly portal made transactions straightforward. Your satisfaction is vital to us. Should any further questions arise or if you need assistance again, don't hesitate to reach out. Thank you for trusting us with your needs!
Reviewed June 25, 2026
I've done business with Achieve Loans over the last several years, which is why I went with them. They help me financially. I consolidated my bills and a representative helped me throughout the process. So, it was very easy. She knew what she was talking about and she had the answer to any question I asked. She was straight to the point and very easy to work with.
We're so happy to hear that our team, particularly your representative, was able to assist you seamlessly. It's wonderful to know that you found our process straightforward and efficient. We're glad our efforts contributed positively to achieving your financial goals. If you have any further questions or need assistance in the future, we're here to help. Thank you for choosing us for your financial needs!
Reviewed June 24, 2026
I'd recommend Achieve, but I would tell people to be careful. Go through the process. Make sure you ask them questions. I didn't. They would service it by somebody else. Be careful with that. You roll over easy. You know what you're doing with the other person. It worked me good. They paid three cards off, and gave me some spending money, not as much as I wanted, but my credit score’s got a little higher for what I want. I'll probably pay Achieve off here in the future.
The lending process was smooth until Achieve Loans sold it to somebody else to maintain it. That was when I haven't been on Achieve since, because I couldn't find out how to get on. There are verification codes. Old people don't know how to get on there. I couldn't even get online to see. I had to call Achieve to ask them about Shellpoint. I like to be on online and check my balance. If I wanna pay more, I can. I like to know when it's due, so I can rotate my money into it. However, I haven't been able to get online. I'm very upset. I’m just waiting for Achieve to take their money out, whenever the date we said, until I can get back on. It's very frustrating for us old people because we're not born computer literate. I wanna get an app for it so I can just put myself on it every month and see what's going on.
After I did the loan and Achieve sold it, and after I okayed and they okayed the loan and did all that, on a scale of 1 to 10, it’s a 7 to try to get ahold of them. The number has changed or discontinued. I couldn't find a person to help me originate the loan. "We got you. We signed you up. And now we’re gone.” The rep was okay. He helped me through it. At the end, I had a couple other people who needed some more information. But that process went smoothly. He signed me up, done. But when I went to Shellpoint, they called me, saying, “We need your flood insurance paid.” I said, “If Achieve took my loan, I sent Achieve all those papers, or they wouldn't approve my loan.” I had to straighten her out. She said, “Okay. You all caught up now.” There's some kind of miscommunication somewhere between them when you close a loan. I don't know what it is.
Thank you for sharing your experience. We're pleased that Achieve's lending process met your expectations initially, but we're sorry to learn about the difficulties you faced after your loan transitioned to Shellpoint. Ensuring a smooth servicing experience is a priority, and we're here to help answer your questions about account access and debt management. Don't hesitate to reach out directly for added assistance. Your feedback is very important to us, and we’re dedicated to improving your experience.
Reviewed June 23, 2026
Achieve Loans was the only one that offered the amount that I was looking for. The process of getting the loan was a bit shaky though. The loan officer was great. There were just too many hands in the mix. It seemed like I got passed on from one person to the next, which I understand. It was like a different process, but it's still too many people to try to keep up with. Other than that, the rate and terms were good, especially for what my score was at the time.
Thank you for your review and choosing Achieve Loans for your needs. We're pleased to hear you were satisfied with the loan terms and the aid from our loan officer. We apologize for any inconvenience caused by multiple points of contact. Your feedback is valuable and will aid us in refining our processes for smoother customer experiences. We look forward to better serving you in the future. If you have additional comments or questions, we're here to assist.
Reviewed June 19, 2026
I had all my ducks in a row, and I had everything ready and waiting. Achieve made it very simple. It was literally one phone call, then upload some stuff, three emails, and next thing I know, money was in the bank. So, my cards were paid off. If you're in a tight spot, give them a chance and hear them out. So far, it's worked out really good for me.
Thank you for sharing your positive experience with Achieve! We're thrilled that you found the loan process straightforward and timely, especially compared to your previous experience. It's wonderful to know we could help ease your financial process and meet your needs efficiently. Your satisfaction is our priority, and we appreciate your recommendation. If you ever need further assistance or have any questions, please feel free to contact us. Thank you for choosing Achieve!
Reviewed June 17, 2026
From beginning to end, this was a smooth process for our HELOC. Great service and attention to detail, without being too pesky. Great communication. Availability to answer questions beyond "regular working hours" was helpful, too.
Thank you for sharing your positive experience! We're delighted to hear that the process went smoothly and that our team provided attentive service and responsive communication, even outside regular hours. Ensuring our clients feel supported and informed is our top priority. We appreciate you choosing us for your HELOC and look forward to assisting you with any future needs.
Achieve Loans Company Information
- Company Name:
- Achieve Home Loans
- Website:
- www.achieve.com
