Because of these brokers my home is now going into foreclosure. When I refinanced my home 2 years ago I was doing great with another company but unfortunately they were brought out by SPS. They have been my worst nightmare ever.
I wanted a fixed rate with lower payments, which I didn't get and which I didn't even know that I had the adjustable variable rate. The one that they chose and have charged me a arm and a leg for. I noticed things going wrong when I went through my divorce and was behind on two of my payments.
I signed a forebearance agreement because I was told there was no other program. That only made my situation worse, and had I known I would never had signed it. My realtors even called to speak with them because everytime I called they were awful. With the realtors they were great and had them thinking that they were concerned for me. Yea right!
They faxed a hardship program application but after filling it out and sending it by UPS they denied ever recieving it. Since day one they have lied to me about everything and I had a copy of the reciept indicating who rec'd the pkage and was promised a chance to fix my mortgage situation but it was all a lie.
My big question and my biggest beef is what happened to he $30,000.00 that I put down as a down payment when I brought the property? Even the realtors couldn't figure out the numbers they came up with. They overcharged me for things I don't even know about. And that's the thing, if you don't know anything about buying a home, they are like sharks out to get you. They got me alright.
I lose all the money and my home. Now I'm looking for a place to live, but having problems because of my credit.
Don't ever do business with these guys and don't sign anything if you are not sure. Go to a Real estate attorney who can tell you what to do when you have questions or doubts.
Don't even ask them anything because they've a bunch of liars. I didn't even get a notice that my home was in foreclosure! I found out when I tried to refinance to get out from under them and it showed up in my credit report. Because of that I can't refinance with no one. There staff is the rudiest people you don't ever want to deal with.
DADE CITY, Florida