Fidelity National Mortgage, Fremont Investment And Loan, And Scott Anderson Loan Rep knew I was Disabled and Coerced into refinancing while on alot of medication due to a broken back. The refi cost 20K and Scott used my old paystubs to get the loan, saying it was legal because I still had my job when I recovered. My home of ten years is in foreclosure, I'm stuck in a loan I can not afford. Santa Ana California

In 2006, I had a broken back, went off work in April/2006, in major pain and being hounded daily by creditors for credit cards and loans, 7 days a week, 8-10pm. I also was being hounded by loan processors trying to get me to refi. usually when I told then I'm on disability, my credit is ruined, I haven't made payments on credit cards in months, only paying mortgage on time. I had a great loan, 5 yr fixed at 4.75%, 1 yr old, 30 yr loan. P/I $1200 plus impound total $1306.00 per month. I was easily able to pay that and utilities and food, gas if needed. That's it on disability. My income was cut in half on disability. Anyway most loan people would accept my no, except Scott Anderson from Fidelity National mortgage. He wouldn't stop calling. In August/2006, when I had been off work now for 5 months, he convinced me that he could refinance my home, take out 50K in equity, I could pay off all my debts and cards and fix my credit, the loan would be subprime so it would cost about $5k which was alot to me, I use to have perfect credit and my refi's never costed more than closing costs, title, maybe $1500.00 max. Anyway, in the last week of August I asked if I should send my disability stubs and he said no, send your paystubs from the last month you worked, he said this was legal because after my back surgery eventually I would be going back to work there. So I sent 5 month old paystubs, corresponding bank statements, w2's and Id, ss card etc... I week later I went in for major back surgery, fused one level in my back and rec'd an artificial disc. I was in the hospital for a week, then in a hospital bed in my home for 2 months. Unfortunately 2 days after I got home, I almost died, I developed blood clots, numerous in both lungs. Luckly, I got to the hospital in time and had a doctor immediately diagnose the problem and start treatment without even doing the tests yet. She saved my life. I was in the hospital another week and now on blood thinners the rest of my life. 3 weeks later I got a call on 10/15/06, that the papers were drawn up on my loan and ready to sign, no appraisal had been done yet or anything. I was on a lot of pain meds and tranquilizers and in no condition to be entering into any financial contracts and Scott Anderson knew this. I met a notary at a coffee shop, which I had never done before, I've always went to a title company. I couldn't ask questions, but I saw immediately 2 things that were wrong. The date to start paying was suppose to be jan/07 and it said Dec/06, the payment was what he said $2236.00 p/i only. They other thing that was wrong was I was suppose to receive close to 50K, to pay my debts and have some left to help with the higher mortgage for 6 months, then they would refi for free and bring me down to 6.9% gauranteed or less depending on the market. The money back to me said 35K and a bunch went to broker processing fees and so forth. I called from the coffee shop and he said those things were easily changed. Write on a separate paper the errors and he would have them changed and reprinted, but to go ahead and sign everything. I was in no condition to do this and should of never signed. Scott said the broker fees really are kick backs they get from the lenders that they sell their loans and that he and fidelity was giving me both of their kick back to be sure I got my money. At the least $47,000.00. 3 days later, no call no money, I call and can't get a call back, two weeks go by and Scott calls and says he needs to do an appraisal. He sends a trainee about 21 yrs old over. Back in the prior January my house had appraised for $390K when I almost refi with someone else and when I got the truth and lending statement they lied and I backed out. So Scott thought this appraisal would be close, the girl said it would be over $350K because that was what the comps were but my place has an additional room 11x20 ft. plus many upgrades. Appraisal came in at $340, the place that was doing the loan Fremont investment and loan, through Fidelity sent me a letter saying welcome we approved your loan for $272K. The docs I had signed were for $280K and the payment was the same and it started in Dec/06, I called and said no way, if it's not for $280 and the first payment in January, I'm not doing it. Scott said the owner of Fidelity National Mortgage in Santa Ana went and talked to Fremont Investment and loan, In the mean time, I rec's a letter saying I cancelled the loan for $272K and they accepted it. Then I get a call from the escrow company asking for some bank statements, I thought this was weird, then I rec'd a letter from Fremont Investment and loan saying welcome to their mortgage company, they approved my loan for $280, payments start in Jan/07. I sent a couple bank statements to the escrow company. I don't remember which months, but if they were current they would of showed less money. Anyway almost a month after signing, I rec'd a check for $34,279.00, I freaked out and called Scott, he said that was normal and the rest would come in a second check in about two weeks. That it would be the kick backs he talked about especially with all the trouble I had been through. So for two weeks I let it go and I started paying debts. Two weeks went by and I never saw another dime. I called sometimes 6 times a day the first two weeks after the second check was suppose to come. Finally someone named Jared answered Scott's extention at Fidelity and he told me Scott had been fired. He refered me to the owner "Weiss" ? I think you spell his name this way, he said he would look into it. For weeks I would call, never get him, just transfered to his supposed voicemail. Finally he called and said they didn't owe me any money. I got all I was going to get. Basically the refi cost approx 20K, I couldn't pay all the creditors, two didn't get paid, one sued me and levied my bank acct. I never got my credit completely fixed so I'm stuck in that High interest loan 9.5% $2236.00 P/i payment only. I went back to work in Feb/07 and I paid this loan for 7 payments, then I got notice they sold it to Wilshire Credit corp. After I had told fremont I would pay no more payments, the loan was fraud and I was coerced while I was disabled. I hadn't paid a payment in 3 months, they sold it in foreclosure to Wilshire, they called and I told them it was a fraudulent deal,the whole thing. I sent them a 70 page document with all the proof of fraud they could need. With the Fraud packet they sent me. I didn't get to do this until Feb/of this year though because in October/07, I became so depressed I almost lost my job of 12 years and had to be hospitalized in an intensive suicide prevention program and then I was off work for 2 months, until I could eat and sleep again. Finally in January of this year I started getting better and stronger to fight. I filed bank ruptcy the day before the auction of my home, and I'm hoping to find a lawyer to help me keep my home and have them pay his fees. Thats my story. Anyone out there have this happen to them through these people or companies, please contact me through this web site, or attorney who is interested, or anyone who can help. please help me save my home. I've owned it for 10 years.

Araminta
Santa Rosa, California
U.S.A.