NEWKEY HOME LENDING - NEWKEY FINANCIAL - RICHARD LEE Another BigTime Piramid Scheme In The Works? Corona California

Angie Ramirez has helped me
In numerous occasions regarding real estate. When so many agents lied and robbed me, Angie helped me and guided me. She has patience. I knew I wans't just sale to her I was a REAL human to her. She has helped me for over 7 yrs now.

Moreno Valley Family

I was a client of Angie Ramirez I met her through a referral of a person she had helped. They spoke very highly of her.

I had a bad dealing with the company Angie worked for. Her boss was Jon Cenoz. I signed up for a service with Jon's company and when results were not rendered I asked for my refund. Angie ALWAYS was there helping talk to Jon to refund our money back. And Jon would always say "Its in process". For years now I kept asking Jon for my refund and every time he gave me EXCUSES AND EXCUSES. I knew he kept saying this because he had spent my money and had NO MONEY TO PAY ME BACK! He spoke so badly about Angie and blamed her. So I went and told Angie. She was so kind to refund us a portion to help me. That showed me what a great person Angie is.

It is so said when CROOKS and unprofessional people like Jon CENOZ who have NO experience in the service they are providing open up scam companies and hurt good people like Angie and put them in bad predicaments.

As of now I am on the search for Jon Cenoz and I WILL BE FILING A LAWSUIT against him for lying and hiding from me. Also his old landlord he leased his fancy Temecula office from is looking for him to collect the 6 months of rent he left without paying.

And as for my statement of who Angie Ramirez is to me: She is a hard worker, keeps her word and isn't hiding.

So for the person who wrote this you should be ashamed of yourself. If you are not happy instead of hiding behind the computer screen call her or email her she will respond.

Thank you Angie Ramirez
Los Angeles, CA

Angie has been my agent and real estate advisor for about 10 years.

She has helped me and I have referred many people to her and she has helped them as well. And when She couldn't she was honest to tell them the truth and not lead them on like other "agents" do.

That was my story before I met Angie. I had several agents lie to me, steal money from me and almost made me lose my home. And they are no where to be found.

Angie helped me, answered my concerns and questions and helped me with my home. She has always been there for me and I am grateful for her.

As for the person who posted this you should be ashamed of yourself for making up lies. I feel sorry for you and the anger you have.

It's a shame how someone like Angie Ramirez who has only helped the ones that needed help and that have done nothing but good have to read all this nonsense and made up lies about her.

Angie my family and I are truly grateful for all you have done. God Bless you!


Grateful person,
Los Angeles, CA

Angie has been my agent and real estate advisor for the last 10 years.

She has helped me, and I have referred many people to her and she has helped them as well. When Angie couldn't help them for any reason might be she was completely honest to tell them
the truth and not lead them on like other "agents" do.

That was my story before I met Angie. I had several agents that lied to me, steal money from me and almost made me loose my home. To this day they are no where to be found.

Angie helped me, answered my concerns and questions and helped me with my home. She has always been there for me and I am grateful for her.

As for the person show posted this, you should be ashamed of yourself for making up lies. I feel sorry for you and the anger you a have inside.

Angie I only hope that there were more agents and real estate advisors like you. Once again I and my family are very grateful for all your help.

A grateful customer
Los Angeles, California

Click on link, Angie Ramirez multiple alias's names, and dubious dba
names, including undercover agent  reporter reporting on loan
modification scams:



http://marketplace.publicradio.org/display/web/2009/09/24/pm-21st-century/



Angie Ramirez is a fraud, she is a master at creating alias names and
associating herself with anyone who has money, see her profiles on
twitter, facebook, myspace, she tries hard to hook up with LA lakers and
pro players, simply pathetic gold digger. The sports leagues have been
notified of her corruption and alias's. FBI and even real estate
associations have been in the loop of revoking her license and if you
read in detail, Richard Lee and Angie Ramirez have are banned in many
states from practicing business. Beware of them both and their
fraudulent companies they do business with!



http://twitter.com/stepupangie



http://www.facebook.com/people/Angela-Ramirez/100001082029637#!/stepupangieramirez



http://www.myspace.com/stepupangieramirez

Hello all. My name is Richard Lee. If there are any questions to my rebuttal... My contact is: Rlee_nk@hotmail.com. Myself and our Newkey is always transparent and don't hide behind anonomous emails with no names.

The purpose for my rebuttal isn't so much to speak with "Mortgageman",as we don't know who, what, where has this email came from. Newkey has no record
of this email-name within our 2,506 agent data base. My purpose is to protect the good agents who are looking for great solutions to help them increase
their commission income AND have a real path towards financial freedom for them and families.

There is so much inaccuracies and misleading statements in "Mortgage Man" and "Agilton". It's hrad to know where to start the rebuttal. So I've listed a Top-8 of the most serious lies. Also, FYI. Thru our research, it looks like both came from the same computer. Interesting.

"Newkey claims to be a Federally Chartered Bank"

Rebuttal:Newkey's corporarate-partner is Emery Federal Credit Union.
We have twice weekly trainings on the origination protocols with our partner. So I'm not sure how "Mortgage Man" may of missed the name.

"Richard Lee isn't on corporate paperwork of Ca."

Rebuttal:Not sure what you're speaking of. I've been Newkey's CEO since 2002.
So are you saying that I'm lying and running around calling myself, CEO?
Here's the great news! Newkey is governed by the Department of Corporations.
Under the highest-level of license: Residetial Mortgage Lending lic("RML"),
AND the Department of Real Estate. Both we enjoy not one blemish.

Lastly, we have the top industry icons as Newkey trainers and endorsers of our incredible ownership model, so if our agents VOLUTEER for these free trainings they're not only getting trained by "Me", but by all the best of the best,which also includes our top Owner-agents-- like Ms.Angie Ramirez

"Attempt to Sell Leads of $1,500 to $3,000. $40 a pop!"

Rebuttal: The hardest part for most agents, even very good ones is to consistently being able to attract enough leads that leads to fundings.
We've seen many leads companies take advantage of agents in the past. So we want to enable our agents a secure place where( AT THEIR OWN OPTION ), they can use great leads. The great news! Our agents who are enjoying great success with Newkey leads are the best form of "sell' for Newkey. And at $40 a pop,if you're good enough agent,you can convert a funding for every 10 to 15 leads. That's $400 to $600 for each funded loan with:$4,207 in commission.
The latter with NO cold calling or wasted time of open houses.

"Backend fees of $800. Plus $150 and $600 For a Website"

Rebuttal: Our admin fee is currently $695. And yes, we do need some sort of cash flow after we payout 100% Comm. How would we stay in business.
The latter is an obvious for an experienced agent.

Regarding the $150 & $600. These are prices for Owner-agents who want an automated way of building their Newkey network of good agents.
Our Owner-agents are NOT required to use this specialized recruiting and recruiting-trainings.

"$40 DVD. Getting 3 year non-compete after sign-up".

No one pays $40 for Newkey's DVD,unless they want to. We show it for FREE. Fed-ex charges $9.95 for YOUR convience. The great news! The only way for "Mortgage Man and Agilton" to sign-up to Newkey(if "They" indeed did) was thru ANOTHER Owner-agent, NOT thru Newkey corporate. So getting these and other pre-sign up info. is ALWAYS available to anyone. And I as CEO, recommends all people who are interested in our opportunity to do proper due-deligence with Newkey or any opportunies regarding your career and the dreams of your family. Regarding Mortg.Man..., I'm surprised that "HE" didn't ask for standard documents that are requested when an agent looks at a new place to work.

In closing, Newkey is NOT for everybody. We are designed for Good, Experienced Agents and those who aspire to these high-levels. The latter is obvious when people look at who's on our Board and who endorses our incredible ownership plan----we have industry icons who are with us and revolutionary business technologists. Ask yourselves? How smart are these kind of people.
And would they get involved with "Some Scheme"??

Take care all, reach for your dreams!

Richard M. Lee

I urge people to sample the company and their performace before diving all the way in. Test them out on a loan. The contract processing is a disaster. They give out no lender codes so getting pricing is annoying. You can't get a lender list to start calling AE's to get the pricing you have to send it in to the "help desk" which couldnt be a bigger oxymoron. If you call waiting 24-48 hours the most incredible mortgage company you have ever worked for then..you need to set the bar a little bit higher. Of course you can work with a pricer and placer for 10-50% of your commission. I thought it was a 100%, couldnt be further from the truth. I make more money working for my standard, TRUE 100% broker. You are right, i never should've left.

From the company approved marketing pieces; with quotes, that people never actually said; and them stating that people live in FL when that person has never ever been there. The head cheerleader did tell me, "it's called marketing!!" my reply was "i thought marketing was supposed to have some truth to it!" Guess not.

Then you have Richard Lee the CEO, and email bcc'er. I had the pleasure of him emailing many people about a loan that i was working on talking about how rediculous of a request i was making. I.E., the LTV was too high and that FL was amoung the highest depreciating areas in the nation. The only issue is that my loan was in GA. Unfortunately, for him, the loan was approved and back with my other broker, where is belonged.

All in all the royalty program is fairly misleading. No on ever tells you that once someone below you reaches 50K, that you no longer get royalties from that personf or the rest of the year. The system is design for mediocrity, its not because of the system that people make money, its because of the people they are. The mortgage knowledge there is mediocre at best. READ THE FINE PRINT PEOPLE!!! If it sounds to good to be true.....

Hello fello readers,

I am Angie Ramirez a NewKey Producer & Builder for a little over 3 years. After reading this dishonest, exaggerated, negative email I have but one question to the person who wrote this email which I know who you are:

HOW MUCH DID YOU EARN LAST MONTH in Feb 2008? Okay how about January 2008?

Now I ask this in a humbling but truthful manner to you. If you have more opinions than millions then we don't need to hear it.

NewKey is the most incredible Mortgage Company with the most caring mentoring, support and guidance I have ever encountered.

We are not for all agents, we are only for Good Agents who want to become Rich Owners and help others.

So if you did not qualify to work with NewKey keep your negative opinions to yourself and focus on making meaning thus you will make the millions you are so chasing.