BEST RATE FINANCE GROUP/JAMES NOLAN/MICHAEL MILLER/NATALIE HAAS/MICHELLE BENNETT/LARRY GRANT Home Owner trying to get Modification on my home with Best Rate Finance and have been scammed and home is now in foreclosure LONG BEACH #200 California

I was first Contacted by James Nolan from Best Rate Financial on 08/10/2015 advising that he see my home is currently showing a finance rate at 5 1/2 percent and they have new programs now under government for FHA home owners where you could qualify for a modification with a new 2 1/2 to 3 1/2 percent finance rate, and also your interest rate would decrease because your home would be now aprraised at the markatable value of what your home is now worth and therefore your principal on your home would also be lowered so that your home would be paid for in 15 years instead of 30. Mr. Nolan sent me the Application via E-mail to fill out and send him all requested documents to get this process started.

 Mr. Nolan went on to advise of things i would need to submit Recent Mortgage Statements, Income verification/bank statements income tax statements from 2014 and the last thing would be a Hardship letter.  I went home thought about my current situation and how i was taking care of my eight year old Grandaughter because her Mother has been missing for the last 3 months last seen in California and has been diagnosed and suffering with pychosis and sziizephrenia and my son whom is the father just got released from prison after 8 year term came home took one look at his daughter and decided he did not know her and so angry and self absurbed he left and i fell into depression after trying to take care of this child all by myself i resulted to seeing a mental health professional and he put me on quetiapine and this clouded my judgement and had me in a state where i simply could not determ fact from fiction.   i felt i needed a little relief.  So i wrote the hardshiip letter and obtained all the documents requested and fax them back to Mr. Nolan on 08/15/2015 beliefing in these people to somehow bail me out of my situation and being in a depressive state i clearly was not on my A game.  I know for a fact if i was not under so much stress and under the influence of medications these conn Artist would have never pulled off a scamm like this on me. 

 On 08/20/2015 I received a call from Mr. Micheal Miller who was advised that he received all my documents and they were submitted and not only have i been approved at 2 1/2 percent that my home was now only valued at $109,00 and i have been eligible for a grant from the Government totally $1104.00 and will not have to pay this back but the closing cost will be $4600.00 and i will have to make the first payment of $1247.50 bY 08/27/2015 and the second payment by 9/31/2015.

 I sent the first payment per/ Bank Of America via Fed Ex on 08/27/2015 per/Best Rate Finance sent via E-mail to me at work on 08/26/2015.  I sent the second closing payment on 09/15/2015 per/money orders throught the second Fed Ex emailed to me from Best Finance Group.  I than begin to received lettes from BOA with intent to Forclose on my home by this time I had already missed 08/01/2015/ and 09/01/2015 payments thinking that BEST RATE FINANCE GROUP would begin proceedsing with BOA.  I than began to feel sick because it was at this time that something did not feel right.  So I attempted to call Mr. Michael Miller and when i called phone went into answering service leave a message.  I sent Mr. Miller an email on 09/23/2015 advising of my concerns that BOA did not hear from anyone from BEST RATE FINANCE and was sending me Intent to forclose, I never heard anything back from Mr. Miller.

 I knew i was in trouble at this point i called BOA to try to put a stop pay on the cashiers check i sent for $1247.50 and was advised that the check was cashed on 09/01/2015 and the money orders for $1247.50 were received and cashed as well.  Thats the one moment in my life where if it was for my having to care for my Grandaughter i would have given up i lost $3000.00 and now my home is about to forclose and I now am 4 months behind and just trying to put on a brave face for my grand because she already lost her mother and father and i am her only hope.  I just hope and pray no one will ever have to experience and go threw a process of trusting people to help you and they take your hard working money like it there because they donot want to work for anything.  I also want noted that PLEASE donot give money to anyone when applyijng for modification and the only time when you pay anything to anyone is when you are getting legal help.

 However, on 09/30/215 I received a call from a Mr. Larry Grant the Underwriter address 6608 N. Western Ave #416/Oklahoma City, OK 73116/OFFICE 888.210.8571/CELL 405.896.5958. and Nalalie Haas his assistant at 4056944498 that they were continuing to work on this and would be contacting BOA on my behalf and I advised to Natalie and Mr. Grant that i know that this was a scamm and i will be reporting them to FDC and Better Business Bureau and filing notice in court to see if I can get some justice for what these people have done to me and not to menition to others people whom are in my same situation.

 About 3 weeks ago my credit card was duplicated with my information and my checking account was literally wiped out and had to have the card cancelled and now have a new bank account, it does not get any better than this, so thanks to all who see this and remember keep an open eye to all the scammers out theres.