Homeowners Advance Emily Simmons, Abraham Evans Homeowners Advance appears to be a fraudulent company Encino California

From the company's email:

 Homeowners Advance is a Mortgage Networking Firm, a middle man, obtaining clients through our number 1 listings on Google/Yahoo. We offer them a direct connection on a national basis through prime lenders to obtain their home loans. These lenders are now sending the funded clients with homes picked out back to us to be connected with one exclusive agent in their area. The clients have requested to speak with a local agent for their insurance needs. These clients fit in three categories – Clients who are looking for a competitive quote due to a sharp rise in their current insurance policy costs and through our marketing to contractors, real estate agents and moving companies – relocation people or people looking for home insurance for the first time. ( They will not all be first time buyers.) We guarantee in writing the agencies we team up with will be….

.The individual/alone agent in the area to contact these clients.

.That agency will write 20 -- 50 new policies in about 45 - 90 business days with no cut off point. This depends on the amount of policies purchased and if they call at the appointment time and sell the client.   

The process to create your agencies new client base is as follows…..

  Once the client has agreed to hear from our affiliate agency, they fill out an application. ( SAMPLE  APP’S ABOVE ) we retrieve these and pre screen the client to verify the information. Then set a phone appointment time for the agency to reach the client. The appointment times are set during the normal working hours of an agency. We then supply the client, our exclusive agencies name that is to contact them. Within 24hrs of verification we send 1 application per day Mon – Thurs. to that agencies email.

  When you write their policies and cross sell them every way you can. You have earned a new client. We will then receive a small percentage of the closings from the lender that supplied that client. Two separate financial entities. You make your money from the client we make ours from that lender. The more you write, the more we earn together.

  We replace any client that does not result in a written policy, at no additional cost – no monthly fee’s to keep the program going until the agency has written all client policies paid for. The agency will have to reach out to multiple clients to write that amount of business. You purchase 20 – 50 policies these are not just names and numbers with no results. We offer a 100% return on investment.  We replace all those that do not result in a Home/Life policy until the agency reaches its purchased policy goal. The agency must write all total client policies purchased in actual policies.

  This will take a period of time to accomplish, about 45 – 90 business day’s. Not every person sent can result in a policy, but any agency can write at least 20 – 50 policies thru this program.  Not every person will result in a policy - so if the client - changes their mind, already obtained insurance, not answer at the appointment time, the client goes in another direction, to many claims...etc - we will replace them. 

  The agency can lock out zip codes ( 5 - 6 ) the County or Counties or a 10 – 30 mile radius of the office zip code. That choice is made for the one only agent we supply to contact the clients. 

Please contact.…  Abraham Evans, Marketing Director (213) 928-7854 -- 7am -- 3:30pm PST  M - F   www.homeownersadvance.com   

 What was actually provided to me so far has consisted of wrong numbers, people that have passed away, and angry or non-interested people on the other end, when I actually was able to get a hold of someone.

I believe the company doesn't actually provide valid leads, but rather is a nafarious operation that hopes through the terms of the signed contract to simply wear agents down so that they will not dispute the charges with paypal/credit card. They do this by claiming they will continue to provide leads free of charge, BUT that the agent must call the leads they provide at what they claim is an appointment time.

I think it's a ruse in order to claim legitamacy and avoid criminal exposure.

I have contacted Paypal and if you have been a vicimized, please contact me as I'm preparing documentation to present to the CA AG's office as well as the local police in Encino.