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2 N Central Ave #1800, Phoenix, AZ 85004

Preventing Identity Theft

Each year, millions of Americans have their identity stolen. ENG Lending wants you to have the information you need to protect yourself against identity theft. While there are no guarantees about avoiding identity theft, it’s important for you to know:

  • We will never initiate a request for sensitive information from you (such as, social security number, personal login ID, password, PIN or account number) nor ask you to verify account information via email.
  • We strongly suggest that you do not share your personal login ID, password, PIN or account number with anyone, under any circumstances.

If you receive an email that requests this type of action, you should be suspicious of it and contact us immediately at 866-878-2265. We also suggest you report suspicious emails or calls to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

What is Identity Theft?

dentity theft involves the unlawful acquisition and use of someone’s identifying information, such as:

HMLAZ

Thieves then use the information to repeatedly commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, and social security benefits, renting apartments and establishing services with utility and telephone companies. It can have a negative effect on your credit and create a serious financial hassle for you.

How do they get my personal information?

Contact Hard Money Lenders Arizona anytime, to speak with one of our very helpful and highly knowledgeable loan specialists about your property investment funding in Arizona
Excellent4.9 Based on 204 reviews fromSean C.Sean C. ★★★★★ I had the pleasure of working with Michael to secure a loan for our home. He was able to gather our information, and close, record, and fund the loan within 10 days! the process was the least painful loan process I've experienced. The timing was perfect, we needed the good news and the great experience. Thanks again Michael we really appreciate it.Response from the ownerSean, thank you so juch!! Was a true pleasure to work with you. You made me look good! Looking forward to working with you again!!! John B.John B. ★★★★★ Michael is a pleasure to work with. He strives to make sure every aspect of the lending process is made clear and works hard to make sure things get taken care of ASAP.Taylor S.Taylor S. ★★★★★ Michael gets it done! If there is a deal that has any obstacles, like one I was recently working, Michael is a true deal saver. Highly recommend.Response from the ownerThank you Talyor! This will be the first of many to come! Levi D.Levi D. ★★★★★ Absolutely the best lender I have worked with thus far. Straightforward, efficient and personable. I will only be using this lender from now on!Response from the ownerThank you so so much. It was great meeting with you and I hope this is the first of many deals we do together!! Emily M.Emily M. ★★★★★ We had a wonderful experience with Michael Iuculano. The process for our loan was only about 2 weeks start to finish. They found us the perfect lender for our project with terms that were agreeable to all parties. He was super responsive to all of our questions and understood what we needed from the beginning. We will definitely be working with him again!Response from the ownerEmily, thank you so much to you and Luke. I am ecstatic to have been able to do this deal for you and very much looking forward to being your go to Guy!! Justin B.Justin B. ★★★★★ Quick and responsive! Definitely educated me on what I needed to make things happen! Thank You Guys!Response from the ownerJustin, very much appreciated! Thank you and looking forward to working with you again! Jacque M.Jacque M. ★★★★★ Michael was amazing! He closed my transaction in three and a half weeks without any hiccups. Diane Chamberlin, his assistant, was also extremely helpful and expedited the process. I would highly recommend!Response from the ownerThank you Jacque, it was a pleasure working with you and glad to have been able to help! Greg L.Greg L. ★★★★★ Easy process and quick turnaround. Mike and his team made it easy.Response from the ownerGreg, Thank you so much for the opportunity to help your clients! We look forward to working with you again soon! Osiel A.Osiel A. ★★★★★ Tim D.Tim D. ★★★★★ All I have to say is that Mike is well known and I’ve worked with him in the past, as well. He will get it done. In this case we had 48 hours. He got it out and signed in 24 hours, from the time I brought it to him. Saved customers house. Fantastic job, Mike.Response from the ownerTim, we appreciate working with you again and as always. You made it very easy and we are delighted with the result! David R.David R. ★★★★★ I read Michael's ad in a home buying magazine and after having two other loan "order takers" just give up, I decided to give him a call. Best thing I could have done. Working with Michael is such a great relief because he gets that not every loan is some "cookie cutter, fit the formula" type of transaction. He takes the time to ask questions and find out what the goal of the loan is. In my case it was to unlock equity in other properties so I could better leverage my rentals. Michael had the knowledge and contacts to get my loan completed, and offered a few different solutions .Michael's assistant Lara made sure everything got done right, and on time. She is great to work with, and responded quickly to any question I had. Together they make a great team and I look forward to working with them in the future.Response from the ownerDavid, thank you so much for your reply. We loved working with you and you were extremely prompt and responsive so it's certainly made it easier and faster. We are looking forward to working with you again soon! Sean M.Sean M. ★★★★★ Michael Luculano and his team are nothing short of miracle workers in making a complex deal easy.My wife and I were recently visiting Scottsdale for her birthday and had decided to look at a few homes. Nothing immediate, just getting ideas for the future. Then on the last day we run into the perfect new construction home, only problem is we weren't prepared to buy. Most of our long-term funding was tied up in our home back in Oregon and to complicate things further, the seller had another cash offer on the table and a ridiculously fast 3 week closing requirement to secure the property.So, we took a leap of faith and called Hard Money Lenders with Barrett Financial and got Michael on the phone. That quickly took us from an impossible deal to closing on our new home in record time. Michael clearly communicated all the terms and numbers up front. And being such a rapid deal with a large amount of escrow on the line, he personally checked in with us daily.We have worked with a lot of great people in the real estate and mortgage industries for over 30 years and have to say that Michael is one of the top professionals we have ever met. A true expert in mortgage and bridge loans / private lending. Even better, it was clear to us every day that Michael truly cares about his clients. Best phone call we could have ever made.Thank you, Michael and Lara, for helping us make this North Scottsdale dream a reality!Response from the ownerSean, it was an honor to get the opportunity to work with you. I take my clients very seriously and it was awesome to work with you on this and earn the right to share in your joy. You were very responsive to all my calls and you were definitely a contributor in the outcome. I appreciate this opportunity immensely and welcome to Arizona! Steven S.Steven S. ★★★★★ I had a great experience working with Michael. He was quick, communicative, and professional. The whole process was easy and I got my funding very fast.Response from the ownerSteven, we appreciate you so much. You were amazing to work with and super responsive. Thank you so much for the business and the trust! We look forward to working with you again soon! Cindy D.Cindy D. ★★★★★ Excellent service! Michael was able to close our loan at a lower interest rate than originally quoted, as an added benefit to the already pleasant experience of working with Michael & his team. We closed ahead of time, no suprises, no drama, just positive results. The professional, dedicated staff was impressive as well. For positive results, this should be your mortgage choice.Response from the ownerCindy, it was an absolute pleasure to work with you and you certainly made it easier by being so thorough. Thank you so much and we hope to work with you again soon! Darlene L.Darlene L. ★★★★★ Mike was so very helpful in getting a loan for my new house! THANK YOU!saleh abd al H.saleh abd al H. ★★★★★ Michael, thank you so much you made this process so easy, I really appreciate it so muchSaleh.wyatt A.wyatt A. ★★★★★ Recently used Mike for an investment purchase. Everything went smoothly. All fees were disclosed up front and matched at closing. Definitely using them again!John H.John H. ★★★★★ Micheal my guy straight handled business in a timely fashion I like to say thanks to you and your staff . Highly recommendSabria W.Sabria W. ★★★★★ Pleasant experience very professional and simply gets the job done, I look foward to our next deal.D ND N ★★★★★ Awesome lender that made things really simple to work with. Went above and beyond to get us a higher LTV than most of the other well-known lenders and had a quick close. Highly recommend using them!Steven R.Steven R. ★★★★★ Working with Michael was an absolute pleasure. I have done a lot of real estate transactions over the years and appreciate it when someone cares about their customer and getting the deal done on time and at the terms I was quoted. There are many bait and switch lenders out there but Michael and his team were always available when I had a question and when a potential issue popped up he was on it even while on vacation to get it resolved. That’s the type of service I expect and appreciate. Highly recommend if you’re looking to finance a deal.StevenErnest K.Ernest K. ★★★★★ Pablo R.Pablo R. ★★★★★ Michael and Lara were so easy and amazing to work with. On top of that, Michael really values relationships and will make sure what he says is delivered. Anyone looking for a hard money team, THIS IS THE ONE!!Celly D.Celly D. ★★★★★ Michael and his team were very professional and extremely proficient and were able to find a solution for my client when no other lender could not! Highly recommend him!!Jean P.Jean P. ★★★★★ Michael provided excellent customer service. I would recommend him to anyone. Thanks for your help and fast prompt service.js_loader

How do I protect my identity?

What do I do if I suspect I’m a victim of fraud or my identity has been stolen?

If you suspect that your personal information has been compromised, follow these important steps:

Check these resources for more information on identity theft and what to do it you’re a victim:
• The Federal Trade Commission (FTC)
• The Federal Deposit Insurance Corporation (FDIC)
• United States Department of Justice

Equifax
P O Box 105069
Atlanta, GA 30349-5069
www.equifax.com
To order a report: (800) 685-1111
To report fraud: (800) 525-6285

Experian
P O Box 2002
Allen, TX 75013-0949
www.experian.com
To order a report: (888) 397-3742
To report fraud: (888) 397-3742

Trans Union
P O Box 1000
Chester, PA 19022
www.transunion.com
To order a report: (800) 916-8800
To report fraud: (800) 680-7289

Google Rating
4.9
Based on 204 reviews
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