REVIEW UPDATE: November 16, 2018: Michael Kergosien / American Home Free Mortgage remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Michael Kergosien / American Home Free Mortgage is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, Michael Kergosien / American Home Free Mortgage has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.

Over time and since becoming a member, Michael Kergosien / American Home Free Mortgage has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Michael Kergosien / American Home Free Mortgage remains committed to improving customer satisfaction.

Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com.

Ripoff Report Verified™ REVIEW

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. 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".


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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AAA Worldwide Mortgage Dallas Texas

This is a follow-up to Mr Mike Kergosion about the buyers remorse,etc... Fisrt of all, I called YOU, and YOU hung up on me. I also emailed YOU and you forwarded the emails to S Mayher. The "deal" was "shady. I signed a contract to buy a River Birch home that was $69K, but on sale for $59K. I got approved through your mortgage company, was told the pymnts and interest would be lower than they "came back with", and I told your dealer\salesman in Cabot,AR"NO". This guy [I won't name him for legal reasons] called Sherry [supposedly], and told her I could not afford the RiverBirch and needed something less expensive. I was switched in and out of @5 different homes, and shown the Fleetwood that was delivered. The Fleetwood retailed for $54K, and I was told by the salesman I could have it for $49K [I have all of this on tape]. The salesman told me the pymnts would be what I wanted them to be ,per a supposed conversation he had with your loan officer. The home was advertised with appliances- which were removed before I got it. I asked the salesman to make out a new contract,GFE,etc so I would have it-as that is the legal thing to do. The salesman told me I would have it the next day- I didn't get it, I was ruched to a closing agency that THEY picked, and was told the contract would be with the closing docs- it wasn't. When the closer came in the room, the sales guy left. I noticed CLEARLY, that the mortgage was made out using the EXACT figures quoted to me on the more expensive RiverBirch,AND the mortgage was made on a 24x48 RiverBirch,not a 28x80 that I signed for in the beginning. The VIN, and description were to a 24x48 RiverBirch,and the price was from the 28x80 River Birch. On the first page, it said that a check was cut to Fleetwood for $26K to pay off that house- the one I got,never signed a sales contract,no title,vin not on my mortgage,appliances removed [ring a bell?}. I told the closer the mortgage was NOT right, and told her I wouldnt sign until it was redone. She told me I had to, that she had called YOUR bank and spoke with the loan officer [above] and said I had to sign it,or I would be in a breach,defaulted on, and sued, and get no home, BUT EVERYTHING supposedly was to be fixed IF I signed.

I kept saying,no it isn't right. The closer got a bottle of white out and started whiting out VINS,the description,alot- which I am told is ILLEGAL. BUT, I am disabled,have never bought a home, asked for my attorny- and was pressured to sign or my life would basically be ruined- no home,no credit,ruined-AS IT IS TODAY!!! I never have gotten a title in 3 years. WHY? The mortgage states I own 2 different homes with conflicting vins, and neither are the right ones. I complained to your bank, and the dealer. The home was inspected and was deemed defective from the factory- Fleetwood cancelled my warranty. Your dealer never brought my driveway- they dumped concrete in my yard, and stopped pymnt on the check for the runners and the concrete. They never brought my appliances,nor the stairs- imagine that. Then, they all quit the dealership. I contacted the owner, and he told me he found the sales contract i signed on the 2005 28X80 RiverBirch, and that was all I signed, and I actually owned that house that was still on his lot in July of the next year- he cursed me and told me to sue him.I spent thousands trying, but he and the salesguy ran to different towns. He is now out of business- I hope- and think. Your bank sold my mortgage to another bank, your bank also never credited me for 4 pymnts I made to you. The bank you sold it to stopped accepting pymnts b/c I couldn't surrender titles to the 2 houses it looks like I bought on my mortgage. I have your loan officer telling me on my answering machine before the mortgage was sold that "all of this would be fixed and corrected" her words. It never happened.

So, the bank that bought my mortgage foreclosed on my land [because they couldn't apply pymnts correctly] and "a certain mobile home on the land". Mr Kergosian, I put my hard earned savings down on a home I NEVER got, and I got a home that was not only defective,had appliances removed,etc, but that I cannot ever own due to the greed and corruption of people that you and your bank had a responsibility to keep ties on. EVERY attorney, including the atty general of this state tells me I have a major case- but now, I have not got the thousands of dollars to pull everyone in court. I went on that lot to buy a home- not for an investment, or to get rich, but to have a home, a place to live, PAY FOR, and pass to my child one day. That is so far ruined. Alot of people ask, why don't I walk away from the home? Because someone will either finally listen, or read this- and take everyone to court- or to jail. I am not the suing type, but I am not the type to be screwed over and take it, I am a fighter, and I am a Christian man, and have a Christian family. It is down to the wire, but I will tell you this- IF i cannot get this straight in a court, or with a settlement, all I can say is Kharma- well, you know what they say about it. The country is in the mess it is today because of shady and greedy and dishonest business people. I am not judging, but this could have been avoided had you, and your dealer, and your retailer worked for the good of your customers. That is all I have to say to you, sir. Eric Hazen, Arkansas
U.S.A.