Short Refinancing, up front fees?
I was talking with an agent of a company called "The Guardian Group, LLC". The company claims that they negotiate to purchase the mortgage note of the property at 90% of market value, then refinance a new mortgage for the home owner at about the market value. According to them it works well for mortgages that are upside down.
I did some research about the company. So far the agent sent me a set of title documents on a deal they recently did. I even called the title company and they verified the company and that transaction. I also looked up the company in a corporation directory and found there name. The company charges an up-front fee of $1595 to cover the title/appraisal and "processing". Everything seems ok except the fact that they did only one deal as far as I know (they started last August) and that there is no guarentee that the deal will go through.
Currently I have a home that’s upside down in Las Vegas. A short refi would seem like the best option, but having doubts about the integrity of this company.
What are other things to look out for before getting involved with them? Do you think it can most likely be a well-structured scam? Thanks a lot
Don’t send them any money, it looks like a scam. This company will disappear once it gets enough money in the form of up-front fee.
If you need form letters to send to your lenders I can get them to you. If you have any questions email me at loanmodguru@yahoo.com. I will answer them as soon as I can. I am negotiator who speaks with the banks on behalf of the homeowners I am most sought after as I have a very strategic system which allows me to obtain a loan modification almost every time for anyone regardless of the situation. I can tell you how. My videos show you exactly how to do a loan modification or achieve a principle reduction. I am doing this for free. As hard as I am trying I haven’t been able to reach everyone so having these workshops up makes me accesable to everyone. Tell a friend if you know of anyone who needs help. It’s a terrible feeling to lose hope and not know what to do. I know first hand. You or they can email me at loanmodguru@yahoo.com. I will answer all questions as soon as I can. I have been getting an overwhelming response since I have started my philantropic approach. I have succesfully negotiated hundreds on loans for homeowners in various states. Unlike the people on the other videos, I actually speak with the lenders myself. I am giving the information for free. I have also noticed that the other people speaking about loan modification don’t help anyone at all. All they are saying is send me your money. I don’t think a single family should face foreclosure especialy because they can’t afford the outlandish fees these guys are charging for a loan mod. If you are from Detroit Michigan, Atlanta Georgia, Las Vegas Nevada, Miami Florida, Phoenix, Arizona, Ohio, Illinois, it doesn’t matter I will show you all my secrets to save your home. There is government istance available. Making Homes Affordable is a program that helps distressed homeowners, it’s part of the Obama bailout. So watch and learn and don’t try to buy anything from me. I am busy enough out here in Arizona. About 350 to 500 homes per day are being foreclosed on, just here alone. So if I were helping with 50 modifications a day I still would wake up every morning behind. I think this is the best way to help. People are losing homes and they don’t know that they can save them. People are just walking away with their families without trying or fighting. So this is all about us. I was once facing foreclosure and since I knocked down the principle on one home $150,000.00 and lowered the interest rate to only 2.5% on an investment property of mine. People that know me know that I am the best at what I do. Yesterday I helped a single lady, divorcee lower her monthly payment $500. She wasn’t even late. So you don’t have to be late to get a loan modification approval. God Bless Enjoy
If you need form letters to send to your lenders I can get them to you. If you have any questions email me at loanmodguru@yahoo.com. I will answer them as soon as I can. I am negotiator who speaks with the banks on behalf of the homeowners I am most sought after as I have a very strategic system which allows me to obtain a loan modification almost every time for anyone regardless of the situation. I can tell you how. My videos show you exactly how to do a loan modification or achieve a principle reduction. I am doing this for free. As hard as I am trying I haven’t been able to reach everyone so having these workshops up makes me accesable to everyone. Tell a friend if you know of anyone who needs help. It’s a terrible feeling to lose hope and not know what to do. I know first hand. You or they can email me at loanmodguru@yahoo.com. I will answer all questions as soon as I can. I have been getting an overwhelming response since I have started my philantropic approach. I have succesfully negotiated hundreds on loans for homeowners in various states. Unlike the people on the other videos, I actually speak with the lenders myself. I am giving the information for free. I have also noticed that the other people speaking about loan modification don’t help anyone at all. All they are saying is send me your money. I don’t think a single family should face foreclosure especialy because they can’t afford the outlandish fees these guys are charging for a loan mod. If you are from Detroit Michigan, Atlanta Georgia, Las Vegas Nevada, Miami Florida, Phoenix, Arizona, Ohio, Illinois, it doesn’t matter I will show you all my secrets to save your home. There is government istance available. Making Homes Affordable is a program that helps distressed homeowners, it’s part of the Obama bailout. So watch and learn and don’t try to buy anything from me. I am busy enough out here in Arizona. About 350 to 500 homes per day are being foreclosed on, just here alone. So if I were helping with 50 modifications a day I still would wake up every morning behind. I think this is the best way to help. People are losing homes and they don’t know that they can save them. People are just walking away with their families without trying or fighting. So this is all about us. I was once facing foreclosure and since I knocked down the principle on one home $150,000.00 and lowered the interest rate to only 2.5% on an investment property of mine. People that know me know that I am the best at what I do. Yesterday I helped a single lady, divorcee lower her monthly payment $500. She wasn’t even late. So you don’t have to be late to get a loan modification approval. God Bless Enjoy
WSB TV Atlanta - Illegal Aliens and Mortgage Loans part 1
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