National City Mortgage ripoff, dishonest, backdated papers I signed, added fees Dayton Ohio

I am writing to anyone that has been duped by First American Lending to get a mortgage. I found this company off the Mortgage Expo site while searching and investigating possible loan options for a house that I was in the market to buy. I was contacted in June 2004 by a Joseph Lopp, broker for First American Lending, and was told by him that since my credit was so outstanding that I qualified for any loan amount that I wanted. The sad truth is is that this individual duped me and promised me an interest only loan for the first 2 years on a 2/28 ARM loan. He said that I would not have to pay PMI if I went with an 80/20 loan. The second mortgage being through Citicorp, the first through First Franklin aka National City Mortgage. The second mortgage was supposed to be a HELOC loan through Citicorp, who I have never spoken to prior to closing, and the second through crooked First Franklin. My loan became and interest and principle loan with First Franklin and I received my statement that said I owed $1142 which was the combined payment of the two mortgages. So I paid it to First Franklin thinking they would disperse the payment to Citicorp. Well, come to find out the reason I never received anything from Citicorp was because the broker, Joseph Lopp, requested my coupon book go to First American Lending. This is why I was sending $1142 to First Franklin and not just the interest part to them. They were applying the full amount to their loan all the while Citicorp's payment was late for 2 months. These people do not return their phone calls and First Franklin will not even talk to us about correcting this issue. They said we had to go through the broker, Joseph Lopp. Everyone at the closing and the title company read the paperwork to read two payments to two separate loan companies and all correspondence from the broker spelled out the break down of the loan. We were duped by this poorly managed company with their teeny bopper receptionist who by the way never forwards messages of a return phone call, she always says he is on the other line or he is out, but we never get a phone call from him or Joseph Lopp. Marty Issa, president, received numerous phone calls from us and has yet returned one. He has admitted that they were at fault. The paperwork went to First Franklin supposedly as an interest only but someone put the second mortgage on First Franklin's cover page. We have no second mortgage with First Franklin and have explained this to all parties involved but noone will correct it. Also, the underwriter of the loan, Todd Conoway, works for National City has told me after numerous phone calls and a huge cell phone bill that I now have to sign an amendment to the contract if I want this corrected and I just found out they sold my loan to Homeland Services. This loan just closed at the end of July 2004 and now they have sold my loan even though it is not correct. This was a fraudulent deal. I did not even get the low interest rate that comes with a 2/28 ARM. Interest rates have been the lowest they have been in 40 years and they tried to give me an adjustable rate loan at 7 %. If anyone has had a similar event with any of the named companies let me know. I am talking with an attorney and we are looking to get a class action lawsuit together. Let us work together to put these people out of business. They, National City, want to charge me $2000 plus dollars to correct their mistake. I will not modify a loan that is fraudulent on top of pay for their mistake. Everytime I talked to a customer service rep at First Fraklin, aka National City, they wanted money. What a shame that this broker tried using his sick mother to gain my sympathy! I cried and prayed for this broker's mother just to be duped by him and his company. Beware of this company and all associated companies. First Franklin, National City, First American Lending. They are all the same: a bunch of crooks.