Project 3648: What is your first name and the area where you live?

Darin: My name is Darin and I live in Francis, Utah.

Project 3648: Okay.  Darin, I know many good people are finding themselves in different situations where they have been unable to keep up with their mortgage payments.  Can you please briefly explain what happened in your case?

Darin: We lost all the value in our home and we weren’t able to refinance it to try to get better rates.  So we had to do something.

Project 3648: How did you hear about your certified Program 3648 representative, Mr. Bryson Thomas?

Darin: Through Michael Roberts from the City Creek Mortgage.

Project 3648: Okay.  Darin, could you tell me, how much better did you feel about your situation after visiting with your Program 3648 representative, Mr. Bryson Thomas?

Darin: It was nice to know that we had a professional person that was going to do he could to help us take care of the problem.

Project 3648: Okay.  Darin, I know sometimes the short sell process can be long and cumbersome.  How was your experience working with Mr. Thomas?

Darin: We knew exactly the timeframe we were looking at, and he kept us well informed and I felt like he and Joshua educated us the best they could about the situation and were very supportive during the whole thing.

Project 3648: Okay.  What are some of the things that were done to help relieve the stress of your situation, Darin?

Darin: Well, most of it was just having someone you could call and have a dialogue with, and have them explain the situation, explain some of the terms and explain some of the processes that were going on.  It’s about having someone there.  Being able to call Bryson whenever I needed to was nice.

Project 3648: Fantastic, and we do like to hear that.  What did you like most about the work that Mr. Bryson Thomas did for you?

Darin: Just having a professional that was actually willing to be a professional and do what he told you he would do was very nice because that doesn’t happen very often anymore.

Project 3648: Okay.  Darin, I know a lot of foreclosure scams, they’re out there and they’re charging homeowners money and they’re not providing any help to them, and Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free.  How did it feel for you to receive all of the help and services that your Program 3648 representative provided at absolutely no cost to you?

Darin: Oh well, it felt nice.  I mean, if someone’s in a situation where they’re short selling – which we were – when you’re in that situation, you don’t have any money to pay anybody, and it was nice then to have somebody come in and understand that and tell you upfront that this is not going to cost you a dime.  We’re going to get you fixed with this so you can get your life back together and get going again.

Project 3648: Good.  Darin, what would be your recommendation to other homeowners that are considering say, using a Program 3648 representative such as Mr. Bryson Thomas?

Darin: Well, if that’s the only option they have – I mean, it’s nice to have people like Bryson out there that can help you.

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Program 3648: What is your first name and the area where you live?

Linda: My first name is Linda. I used to live in Witchita but I am now in Montana. The house was sold in Witchita.

Program 3648: Can you please briefly explain what happened in your case?

Linda: This house was a rental and it had major issues from the day I purchased it unbeknownst to me and basically I rented it and tried to repair what I could and then try to resell it for three years and never could.

Program 3648: Okay. Can I ask how you heard about your certified Program 3648 representative Mr. Joshua Roy?

Linda: It was actually through a friend I think.

Program 3648: Okay. How much better did you feel about your situation after visiting with Mr. Roy?

Linda: I felt very good.

Program 3648: Okay. I know Linda, sometimes the short sell process, it can be long and cumbersome. How was your experience working with your representative Mr. Roy?

Linda: It was wonderful. He was very good. He talked to me through a lot of things. I made a lot of phone calls to him, he never got frustrated with me. He was very patient and understanding of the situation I was in.

Program 3648: Okay. What did you like most about working with Mr. Roy and the work that he did for you?

Linda: His honesty.

Program 3648: Okay. I know Linda, a lot of foreclosure scams are out there, they charge homeowners money, they don’t provide them any help to them and Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and the services that your Program 3648 representative Mr. Roy provided at absolutely no cost to you?

Linda: It was wonderful. Now when you’re in a financial bind and you need help and you don’t have the right to put out for someone to help you. It’s wonderful.

Program 3648: Linda, what would be your recommendation to other homeowners that are considering a short sell using a Program 3648 representative such as Mr. Joshua Roy?

Linda: Go for it.

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Interview with Iris in CO

Program 3648: What is your first name and the area where you live?

Iris: Iris. Littleton, Colorado.

Program 3648: Okay. Iris, can you please briefly explain what happened in your case?

Iris: Well, we had a medical situation and I couldn’t keep up with the payments.

Program 3648: Okay. Iris, how did you hear about your certified Program 3648 representative Mr. Craig Hagan?

Iris: The mailer.

Program 3648: Okay. How much better did you feel about your situation after visiting with Mr. Hagan?

Iris: We had hope.

Program 3648: You had hope. That’s good.

Iris: Yes.

Program 3648: Iris, sometimes the short sell process can be long and cumbersome. Can you tell me, how was your experience working with Mr. Hagan?

Iris: Absolutely wonderful! He continued to give us hope and the thing – he said it was his longest one he have, but he supported us and was a champ toward it and held our hand and got it done. Bottom line is, he said he would get it done. Gosh, much to our pleasure and surprise honestly, he did!

Program 3648: Good. What were some of the things that Mr. Hagan did to help relieve the stress of your situation?

Iris    He gave advice, good direction and was always available for questions.

Program 3648: Okay. Iris, what did you like most about working with your Program 3648 representative Mr. Hagan and the work that he performed for you?

Iris: I’d say his professionalism even when he was going through a lot of different house issues, he just kept in touch and we just stuck to his word.

Program 3648: Okay. Iris, I know there are a lot of foreclosure scams out there that are charging homeowners money and they don’t provide them any help and Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and the services that your Program 3648 representative Mr. Hagan provided at absolutely no cost to you?

Iris: Well, wonderful! How can you beat that?

Program 3648: Iris, what would be your recommendation to other homeowners that are considering a short sell using a Program 3648 representative such as Mr. Craig Hagan?

Iris: Stick with it. Don’t lose hope and hopefully you’ll get someone as good as we did.

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Program 3648: What is your first name and the area where you live?

Wanda: Wanda and Escondido,CA.

Program 3648: Can you please briefly explain what happened in your case?

Wanda: Well, let’s see.  I was on disability for four months and at the same time going to school, then I wasn’t able to keep up with my mortgage.

Program 3648: Okay.  Wanda, how did you hear about your Certified Program 3648 Representative, Ms. Jan Hickerson?

Wanda: From a neighbor who went through her.

Program 3648: Tell me, how much better did you feel about your situation after visiting with Ms. Hickerson?

Wanda: Well, I felt a lot better because I knew she would be able to do the job that was required.

Program 3648: Wanda, I know sometimes the short sale process can be long and cumbersome.  How was your experience working with Ms. Hickerson?

Wanda: Oh, it was good.  I mean she kept me updated.  If I had any questions, she’d answer right away.

Program 3648: Okay.  What were some of the things that were done to help relieve the stress of your situation?

Wanda: Oh, she took care of everything. [Laughter]

Program 3648: That’s a good thing.  Was there anything particular?  What did you like most about Ms. Hickerson and the work that she did for you?

Wanda: Very professional, very personable, easy to like.

Program 3648: Okay.  Wanda, I know a lot of foreclosure scams are out there.  They charge homeowners money and they’re not providing any help for them, and Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free.  How did it feel for you to receive all of the help and services that Ms. Jan Hickerson provided at absolutely no cost to you?

Wanda: I feel so good because I tried going through an attorney and paid $2,500.00 to get a loan modification, which he took me and several others of his clients for a ride.  It was really good that Jan didn’t charge me anything.

Program 3648: Great.  Wanda, what would be your recommendation to other homeowners that are considering a short sale using a Program 3648 Representative such as Ms. Jan Hickerson?

Wanda: Do it!  Go for it!

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Program 3648: What is your first name and the area where you live?

Marilyn: Marilyn. I live in Rancho Bernardo.

Program 3648: Can you please briefly explain what happened in your case?

Marilyn: My loan is like interest only and there’s – what do you call that – it’s going up, my principal balance. That’s why I did the short sale.

Program 3648: Okay, and Marilyn, how did you hear about your Certified Program 3648 Representative, Ms. Jan Hickerson?

Marilyn: I think in the flyers.

Program 3648: Tell me, Marilyn, how much better did you feel about your situation after visiting with Ms. Hickerson?

Marilyn: That was great. It’s nice.

Program 3648: I know sometimes, Marilyn, that short sale process can be long and cumbersome. How was your experience working with Ms. Hickerson?

Marilyn: It’s great. I think we just posted that house for I think just three months – four months – and it’s been sold.

Program 3648: Tell me, what did you like most about working with Ms. Jan Hickerson and the work that she did for you?

Marilyn: Nice talking with her. I do like her service because she always tells us, explains everything in detail.

Program 3648: Okay. Marilyn, I know a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide any help, and Program 3648 Scam Prevention efforts, we’ve have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that Ms. Jan Hickerson provided at absolutely no cost to you?

Marilyn: I love it because I didn’t spend any single penny for that one, yes. It is nice, yes, because I don’t spend anything. She did everything, yes.

Program 3648: Good. Marilyn, what would be your recommendation to other homeowners that are considering a short sale using a Program 3648 Representative such as Ms. Jan Hickerson? Would you refer them to her?

Marilyn: Yes, I will. She is very good, yes. If I know somebody, I will refer it to them.

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Program 3648: What is your first name and the area where you live?

Christa: My name is Christa, and at that time, I lived in Houston, Texas.

Program 3648: Can you please briefly explain what happened in your case?

Christa: Sure. My husband had lost his job and I was maintaining the mortgage on my own, so we just decided to downsize to my rental house because I had another house. So that’s why we decided to sell it.

Program 3648: Okay, great. How did you hear about your Certified Program 3648 Representative, Mr. Guillermo Coronado?

Christa:  I think he emailed – he just mailed to my home. I think I received something in the mail, like a flyer or something, and then I called.

Program 3648: Okay. Tell me, how much better did you feel about your situation after visiting with Mr. Coronado?

Christa: 100% better.

Program 3648: Great! I know, Christa, sometimes that the short sale process can be long and cumbersome. How was your experience working with your representative?

Christa: It was great.

Program 3648: Okay. What were some of the things that were done to help relieve the stress of your situation?

Christa: Well, I didn’t have to deal with anything other than come at the signing after I turn it over to him, so that was great for me.

Program 3648: Was there anything particular that you liked most about what Mr. Coronado did and the work that he performed for you?

Christa: I guess it was just the fact that he had contacts with the loan company, so I didn’t have to deal with them at all. He dealt with all of that and the only thing I had to do, like I said, was come at the signing and make sure that my house was great. Yes, everything was fine.

Program 3648: Great! I know, Christa, a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide any help, and Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that your Program 3648 Representative provided at absolutely no cost to you?

Christa: It was great! I mean, I don’t know what I would’ve done if it hadn’t been around, so it was good.

Program 3648: Okay. Christa, what would be your recommendation to other homeowners that are considering the short sale using a Program 3648 Representative such as Mr. Guillermo Coronado?

Christa: Yes, I would definitely suggest to do that as opposed to trying to do it yourself because they have contacts within their own company. It makes it difficult for the person, you know, that has the home, but they know what they’re doing, so I suggest using them.

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Interview with Carl in CO

Program 3648: What is your first name and the area where you live?

Carl: Carl. The west side of Colorado Springs.

Program 3648: Can you please briefly explain what happened in your case?

Carl: That was a rental property that I had rebuilt and was unwilling to try to continue being a landlord.

Program 3648: Carl, can you tell me, how did you hear about your Certified Program 3648 Representative, Mr. John Hauber?

Carl: He is my neighbor.

Program 3648: Okay, and tell me, how much better you felt about your situation after visiting with Mr. Hauber?

Carl: I – more it felt like it was going to be, you know, handled and that I wasn’t going to have to worry about it very much longer.

Program 3648: I know, Carl, that sometimes the short sale process can be long and cumbersome. How was your experience working with Mr. John Hauber?

Carl: It was fine.

Program 3648: Okay, and what were some of the things that were done to help relieve the stress of your situation?

Carl: Just simply having a real estate agent that had contacts to find a buyer.

Program 3648: Okay. Can you tell me, what did you like most about working with Mr. John Hauber and the work that he did for you?

Carl: It wasn’t over-explained or, you know, there was just a business quality to it. It was, ” You need to do this and I’ll help you do it. Let’s get it done.”

Program 3648: Okay. I know, Carl, a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide them any help, and Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that your Program 3648 Representative, Mr. John Hauber,  provided at absolutely no cost to you?

Carl: A sense of relief to have the house conveyed to somebody that was going to appreciate it and take care of it.

Program 3648: Okay. Carl, what would be your recommendation to other homeowners that are considering the short sale using a Program 3648 Representative such as Mr. John Hauber?

Carl: If that’s what you need to do, then do it.

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Program 3648: What is your first name and the area where you live?

Ty: Ty, and I reside in Dublin, California.

Program 3648: Ok. Could you just briefly explain what happened in your case?

Ty: I was laid off and can no longer afford to pay for the mortgage.

Program 3648: Ok. Tell me Ty. How did you hear about your certified Program 3648 representative Kelvin Kam?

Ty: He was referred to me by one of my brokers.

Program 3648: Ok. How much better did you feel about your situation after visiting with Mr. Kam?

Ty: It helped because at first I was going to let it foreclose but I had enough time to do a short sale. He helped me out with that.

Program 3648: Ok, great. Ty, I know sometimes that the short sale process can be long and cumbersome. Will you tell me how your experience was working with Mr. Kam?

Ty: Good. I mean, Kelvin took care of mostly everything. He put everything together for me, brought it over to my house, showed me the offer that were going to be sent in. It was pretty easy.

Program 3648: Ok. Could you tell me some of the things that were done to help relieve the stress of your situation?

Ty: I guess just in working with my lender at the time, to get him to accept the offer. That was a big relief off my shoulder.

Program 3648: Ok. What did you like most about working with Mr. Kam and the work that he did for you?

Ty: He’s very informative and very helpful.

Program 3648: Ty, I know a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide many help. Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. Tell me  how did it feel for you to receive all of the help and services that your Program 3648 representative Mr. Kam provided at absolutely no cost to you?

Ty: It was awesome. I mean, I was afraid I was going to have to pay something for his services but I mean it worked out really well.

Program 3648: Great. What would be your recommendation to other homeowners that are considering a short sale using a Program 3648 representative such as Kelvin Kam?

Ty: I highly recommend it.

Program 3648: Ok.

Ty: It’s better than the alternative.

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Program 3648: What is your first name and the area where you live?

Keith: My first name is Keith. The area I live in is in Santee, California.

Program 3648: Can you please briefly explain what happened in your case?

Keith: Loss of income due to real estate and the lending business.

Program 3648: Okay. Tell me. How did you hear about your certified Program 3648 representative Mr. and Mrs. Pack?

Keith: She was referred to me through my brother, Kevin.

Program 3648: Okay. Tell me how much better you felt about your situation after visiting with Miss Pack?

Keith: Very good.

Program 3648: I know, Keith, that sometimes the short sale process, it can be long and cumbersome. Would you explain to me how your experience was working with Miss Pack?

Keith: It was very pleasant, very nice. She knew what she was talking about and got the job done obviously.

Program 3648: Okay. What were some of the things that were done to help relieve the stress of your situation?

Keith: Well, first I was talking with her and making sure that we were on track to get the paperwork completed and the short sale was possible and then finished to finalize the deal.

Program 3648: Okay. What did you like most about working with Miss Pack and the work that she did for you?

Keith: Other than just there, she is very knowledgeable and it was a very smooth transaction. Everything went very nice.

Program 3648: Okay. I know, Keith, that a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide any help. Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that Miss Pack provided at absolutely no cost to you?

Keith: It felt absolutely outstanding and then I would recommend her to other people actually.

Program 3648: Okay. That is great because my next question was going to be what recommendations would you have to other homeowners that are considering a short sale using a Program 3648 representative such as Miss Pack?

Keith: Oh, I would definitely recommend her again. Other than just there, she’s very knowledgeable and it was very smooth transaction. Everything went very nice.

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Testimonial from Jill in OK

Program 3648: What is your first name and the area where you live?

Jill: Jill and Oklahoma.

Program 3648: Okay. Jill, I know many good people find themselves in a situation where they are unable to keep up with their mortgage payment. Could you please briefly explain what happened in your case?

Jill: We moved out of state and couldn’t sell the house.

Program 3648: Okay. Tell me. How did you hear about your certified Program 3648 representative Mr. Sterken and Mr. [Menendort]?

Jill: They were our realtors.

Program 3648: I know that sometimes the short sale process can be long and cumbersome. Will you please tell me how was your experience working with Mr. Sterken and Mr. [Menendort]?

Jill: I dealt more with I guess the…

Program 3648: Program 3648.

Jill: Okay. That’s who I dealt more with. I had more with them. They were more willing to get back with me and keep me in the loop.

Program 3648: Okay. Can you tell me what were some of the things that were done to help relieve the stress of your situation with Program 3648?

Jill: Just that we didn’t have to do anything. They took care of it and that was about it.

Program 3648: What did you like most about your interaction with Program 3648 and the work that was done for you?

Jill: I was real impressed with – I believe I dealt with Charlene, very on top of things. She got back when I left messages, kept me informed, very easy to work with.

Program 3648: I know, Jill, a lot of foreclosure scams are out there and they charge homeowners money and don’t provide them any help. Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services with interacting with Program 3648 the way that you did, provided at absolutely no cost to you?

Jill: It was wonderful because we didn’t know where to go so if we didn’t have them, they just – like I said – took care of it all.

Program 3648: What would be your recommendation to other homeowners that are considering a short sale using a Program 3648 representative?

Jill: Hopefully I’m never in that situation again but I would definitely use it again. If you don’t know what you’re doing, that’s the way to go.

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