WesLend Financial, a DBA of Lenox Financial Mortgage Corporation, offers customers a wide range of first mortgage options and a limited number of refinancing choices. Customers can choose from a wide variety of fixed- and adjustable-rate loans with terms ranging from 10 to 30 years. The company offers both private loans and government guaranteed FHA, VA, and USDA loans. WesLend Financial operates in all 50 states and promotes its no-closing-cost loans heavily in the media. Not all applicants will be eligible for a no-closing-cost loan, but if are approved for one, you'll save a significant amount of money upfront on your loan. Lenox Financial enjoys an excellent reputation among consumer groups, earning an A+ rating from the Better Business Bureau. It's a great choice for rate-and-term refinancing or a cash-out loan that allows you to access the equity you've built up in your home.