• Report: #1138579

Complaint Review: Michael Kergosien / American Home Free Mortgage TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Michael Kergosien’s programs utilize a paperless system and they accept electronic signatures. Flexible Underwriting is a theme Michael Kergosien prides themselves on. No fees of any kind upfront, all costs associated with our loans are agreed to in advance and not collected until closing of your loan. Michael Kergosien is and always has been dedicated to providing the absolute best in customer service possible.

  • Submitted: Sun, April 13, 2014
  • Updated: Mon, March 28, 2016

  • Reported By: FLORIDA GATOR — Farmers branch Texas
Michael Kergosien / American Home Free Mortgage TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Michael Kergosien’s programs utilize a paperless system and they accept electronic signatures. Flexible Underwriting is a theme Michael Kergosien prides themselves on. No fees of any kind upfront, all costs associated with our loans are agreed to in advance and not collected until closing of your loan. Michael Kergosien is and always has been dedicated to providing the absolute
Addison, Texas USA

Michael Kergosien / American Home Free Mortgage TRUSTED BUSINESS REVIEW: Michael Kergosien's executive team is dedicated to 100% customer satisfaction. In terms of service and low cost mortgage loans, Michael Kergosien prides himself on achieving the absolute best service in the industry for his clients.
*UPDATE: Michael Kergosien / American Home Free Mortgage pledges commitment to always improving operations by joining Ripoff Report's Corporate Advocacy, Business Remediation and Customer Satisfaction Program. A program benefiting consumers by increasing confidence when doing business with a member business. Michael Kergosien / American Home Free Mortgage recognized by Ripoff Report Verified™ as a safe business service.

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EDitor's UPDATE: Positive rating and recognition has been given to Michael Kergosien / American Home Free Mortgage for its full commitment to quality customer service.

Ripoff Report's discussions with Michael Kergosien / American Home Free Mortgage have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Michael Kergosien / American Home Free Mortgage listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Michael Kergosien has informed us that his personal philosophy is that his clients success are the heart of the business. [continued below]....
..... As a successful businessman, Mr. Kergosien feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Kergosien hopes to maintain his company as a successful enterprise both now and for many years to come. Another top executive, Branch Manager Kaleigh Hughes told us that Mr. Kergosien's personal business philosophy is based on the premise that "strives to add value in service, understanding that a successful business model is based on value-added services, and client care".

One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "Michael Kergosien truly communicates all aspects of mortgage services in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments, and deliver on their promises".

Michael Kergosien is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..



The information provided in this report below is based on comments made by Michael Kergosien during an onsite inspection held by a third party verification company with no biases towards Michael Kergosien / American Home Free Mortgage.

Michael Kerogosien is a loan officer dedicated to providing interested consumers with the loans they need to obtain their dream homes. He offers a variety of services including financing homes, obtaining loans, refinancing, and purchasing of homes. Mr. Kergosien stated the following about his business model, "we try to stay local. Most of our business is in the local community...we want to grow and we continually want to progress in the area of growth. Our goal is to have as many realtor relationships as we can, reach out to consumers, and serve consumers in the area." Michael Kerogosien obtains leads through several different avenues including referrals from real estate agents, title companies, and consumers. He went on to state, "I would say most of the business we get are from consumers we've helped in the past."

Mr. Kergosien then explained the typical sales process for a consumer working directly with him. The consumer would first need to fill out an application, and they would need to have their credit qualified. Once they have gone through the pre-qualification process the consumer will receive a loan package that describes their particular loan in detail. From that point, "borrower would receive updates on a weekly basis until the load is closed out."

CUSTOMER CARE & COMPLAINT RESOLUTION – MICHAEL KERGOSIEN / AMERICAN HOME FREE MORTGAGE

During the onsite interview Mr. Kergosien was asked to describe a situation where a client was not satisfied with the level of service they received. Mr. Kergosien expressed that sometimes during the midway process of obtaining a loan they may encounter elements that would affect their loan status. These situations would include losing a job or purchasing a car. Additionally, borrowers sometimes feel the process of obtaining a loan is taking too long. In order to combat this Mr. Kergosien makes sure to effectively communicate with his clients, "when given the opportunity...I would explain to the consumer the reasoning behind the extra time it's taking...9 times out of 10 if I explain the situation a little better they have a better understanding."

When asked to comment on complaints posted on Ripoff Report's website Mr. Kergosien stated that all comments placed on the website are false, and potentially filed by an ex-employee. In order to further assure future and current clients Mr. Kergosien is licensed through the state of Texas, and is audited every year. If a consumer files a complaint with his services it is handled through the state. Additionally he stated, "I've always had a good rating with the Better Business Bureau, and I'm approved with HUD."

When asked what type of changes he has made to honor his commitment to make things right with the consumer per the request of Ripoff Report, Mr. Kerogosien stated, "I now try to emphasize the closing costs. I try to make sure they understand the interest rates of closing costs...I provide them with complaint information if they ever have a complaint." Michael Kergosien is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program, "It means a lot. I hope it will mean that if somebody complains that they…would give me the opportunity to address it before it’s published on Google. I think with this program I’m afforded this opportunity."



AMERICAN HOME FREE MORTGAGE - STATEMENTS FROM THE BRANCH MANAGER – MICHAEL KERGOSIEN

" We are the top lender for potential or current home owners seeking to purchase a new home or refinance their existing home. With us, you you'll always receive the best in customer service and satisfaction. Please take the time to contact us and see what truly great personalized service is. Michael Kergosien's team has expressed that they feel very confident in doing their jobs in keeping with our passion for 100% customer satisfaction.

Michael Kergosien takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "Michael Kergosien provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. Mr. Kergosien is truly concerned about our contribution to the company and providing growth opportunities for us. He takes the time to listen and communicate with employees and customers."

Ripoff Report was pleased to learn that Michael Kergosien's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.

STATED IMPROVEMENTS FROM MICHAEL KERGOSIEN / AMERICAN HOME FREE MORTGAGE

Michael Kergosien recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Michael Kergosien has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience. In summary, after our review, which included discussions with Michael Kergosien,

Ripoff Report is convinced that Michael Kergosien is committed to quality delivery of services resulting in total client satisfaction.



How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that Michael Kergosien meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24 hour monitoring and for support with customers to resolve any disagreements.

Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.

NOW TO THE ORIGINAL REPORT THAT WAS FILED

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Mike Kergosien Addison Texas

ABOUT THE RIPOFF REPORT BELOW:

Ripoff Report would like to let readers know that Ripoff Report emailed this customer so the member business could make things right with them. When a business joins the Corporate Advocacy Program, Ripoff Report emails everyone from the past so the member business can make things right with them. Of course, everything within reason. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.

STATEMENT FROM MICHAEL KERGOSIEN:

This is preposterous and false. I don't know what to say other than all the allegations are false and the post is a hoax from, I believe, and ex-employee. I am not gay. I am not married. And, I have not committed any of the acts conveyed in this post. I will always continue to focus on providing the best service possible and handle all concerns or issues related to my service.

NOW TO THE ORIGINAL REPORT THAT WAS FILED

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Editor’s Note:  We thank our users for considering Ripoff Report as a source for information and providing warnings to the general public.  That being said, sometimes, after a review of the text, our team will determined that the content filed by an author appears to be serious in nature and is therefore perceived to be questionable and, as such, the Report Posting is placed on hold for further investigations prior to publishing OR is otherwise flagged after publication and is placed into a Review Bin.  If and when Report Postings are flagged for these types of issues, especially when there are specific serious criminal allegations, we may, as we did here, try to follow up with the Author of the Posting to obtain more information.  Our Terms of Service require that information posted be truthful and not defamatory and we are in no position to determine what information is true or false; the author affirms the truth of a posting prior to posting.  We understand that allegations made by an author may very well be true, and we respect an author’s right to Free Speech, but in order for the information to be published once it has been flagged, or for the information to be later (((REDACTED))) once flagged after prior publication, Ripoff Report may ask the author to provide some form of explanation or documentation to support their position.  Depending on the circumstances, if the author fails to respond or timely provide adequate notification, at the sole discretion of Ripoff Report, the Report may be considered “incomplete” and may not be approved or may be (((REDACTED))) to remove the serious allegations or otherwise perceived questionable content from the Report and any Postings thereto that mention such information – more for the purposes of making sure the author is standing behind their Report as we are not a judge and jury to determine the accuracy of evidence.  Redactions below may be due to the author’s failure to adhere to our Terms of Service and/or because the author failed to timely respond with an appropriate response to our inquiry.

CONSUMERS:  Proceed with Caution when reviewing and relying on the subject Report Posting(s) below as it MAY BE FALSE and/or MISLEADING.  It is highly encouraged that you conduct additional research, from credible sources, before making any determination on whether or not to do business with the named individual(s) or business(es).

Thank you!

~ Ripoff Report Team

 

NOW TO THE REPORT/POSTING(S) THAT HAS BEEN EDITORIALLY REDACTED:

(((REDACTED)))

i found out the hard way when I met (((REDACTED))). After being with this (((REDACTED)))who said he was divorced he was so cocky about how he did business and the amount of money he made. (((REDACTED))),

he had made so much money off people for them being stupid in the whole process of mortage and their continued stupidly allows him to take full advantage of them financially. These new home owners could have saved hundreds of dollars over over month not to mention the savings they could have saved in closing costs.

This business man doesn't even have a active Texas license and he operates under someone else's because of past bad business dealings. He has been used and fined for bad business in Texas .Do not let this man lie to you about his relationship status and don't ever do business with him because he is a business thief. I(((REDACTED))) , (((REDACTED)))

(((REDACTED)))


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#1 REBUTTAL Owner of company

Total none-sense.. hoax.

AUTHOR: Mike - (USA)

This is so vastly ridiculous and posted by an ex-employee with whom I am familiar.  Sad that this individual is focuss ed  on me vs. His own progress.  But, you have people in life you associate yourself with in business and personally, you learn later seem intent and more a quainted with destructive behavior.  I can only say that this post is an absolute hoax and false on every level.  It is made up from scratch by an ex-employee who is very unhappy.  I have and will again pray for this person in that he finds happiness.

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