Save Point Financial Home Saver Legal Department Ripoff Costa Mesa California

I recently received a call from a Home Saver Company called Save Point Financial stating that they could help me save my home by applying for a loan modification.  The gentleman I talked to name is David Craig.  David claimed he could definitely get me approved for a loan modification even though I already have been turned down by my lender and HUD.  I asked David is there a fee for his services and he soard of ignored me so I asked again and he stated that there may be a small fee (red flag).

Well Daivd sent me the papers to fill out and the necessary documents I need to send along with the application.  I didn't fill out the loan papers right away, so David had his assistance Alicia Neal to reach out to me to see when will I be sending the application back.  I went on ahead and filled out the application and faxed it back to this company.

I would say about 3 or 4 days later they had an approval for me.  I was shocked, because I know it usually takes longer then that for them to make a decision approving a loan modification. David went over the terms of the approved loan modification and emailed the loan for me to sign.   

First of all the documents looked like they were made up. I only had to sign about 3 forms, which we already know when signing loan apps it's about 6 or more pages.  He told me that he already talked to the manager at my lending company and HUD. 

Per loan approved they dropped my interest rate from 3.50 to 1.875, which dropped my payments from $1264 to about $769.  The company fee was $5669, but HUD paid $2800 and I need to pay the remainder.  Another reason why I knew this was fake too is that they only accept cashier's check or wires.  I told David this is too good to be true.  I asked is this real he didn't answer me he continue to talk over me.

Well the next day I called my lender to see if David from Save Point Financial contact them and they said no one contacted them regarding my foreclosure. In addition, I called the attorney to see if they heard from this company and they haven't heard from them either.

Please beware of this company.  I think this is someone working out of their home or an office they rented to take people's money.