Tom W. O'Hara Tom O'Hara, Thomas Watson O'Hara Tom O'Hara pulled a bait and switch... Centennial Colorado

I hired Tom O'Hara of Edwards, CO (who was with Affiliated Mortgage and who currently works for Homebridge Financial) to refinance the loan on my home - it was a cash out loan. At the time, I had been recently divorced and had a small child at home.

At the closing table, Tom decided to add 2.00% (points) to my closing costs - which increased my bottom line by $8000.00. It was a classic bait & switch - Mortgage Fraud. Nothing changed from the time of initial disclosures to closing, nothing.

Since I was under the gun (per my separation agreement) to payoff certain debts by a certain time, I had no choice whatsoever but to allow Tom to steal from me. Of course, Tom knew this. Tom stealing $8000.00 had serious consequences for me.

I'm embarrassed to say that I've been in the mortgage business for 39 years here in Denver -- Tom O'Hara did this to me at a very vulnerable time in my life - predatory lending. I feel compelled to share my experience in order to free myself from long standing feelings of victimization.<br



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Tom's actions hurt my child. I CANNOT recommend Tom O'Hara for any mortgage transaction - purchase or refinance. Had this occured recently, Tom would have had his license pulled. It was not legal then and it's not legal now.

Did it take me awhile to get around to writing this review? Yes, I had a baby at home in diapers and I was alone and afraid of Tom O'Hara - he'd done enough damage. Now, my son is 24 yo, and well on his way. I finally feel safe enough to write this long overdue review.

I want nothing from Tom O'Hara. Tom was a friend and had been a colleague for years. That's what makes this all so egregious.