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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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?

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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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?

Carla: Carla, and Ocean Pines, Maryland.

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

Carla: The mortgage was on the adjustable, on the ARM and the mortgage payment jumped excessively.

Program 3648: Okay. How did you hear about your Certified Program 3648 representative, Mr. Randy Million?

Carla: Through a marketing letter that he sent to my residence.

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

Carla: I felt really good. I had been with a realtor for eight months and she really wasn’t showing it like that and as soon as he took over, I would say in a week and a half he probably showed it more than she did in the eight months.

Program 3648: I know Carla that sometimes the short sell process can be long and cumbersome. How was your experience working with Mr. Million?

Carla: It was wonderful. I was glad I found him. I could touch base with him one on one. I could go visit him when I needed to so it was more comforting to know that I could speak to him one on one.

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

Carla: He just took everything into his own hands and lined up the showings and made everything convenient and he just kept in touch with me.

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

Carla: That he got me from under the house [laughter].

Program 3648: Okay. Carla, I know 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 an awful 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 the services that your Program 3648 representative, Mr. Million, have provided at absolutely no cost to you?

Carla: It was wonderful especially in the meantime I had lost my job as well so it did relieve a lot of stress.

Program 3648: Okay. What would be your recommendation to other homeowners that are considering a short sell using a Program 3648 representative such as Mr. Million?

Carla: I know there are a lot of companies out there that are very intimidating. Because you’re unsure of this, you’re really getting what they say they’re giving you but I definitely got everything that Randy offered. There was nothing hidden. Everything that was explained to me is how it was.

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

Jim: Elk Grove. I go by Jim.

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

Jim: I had renters in it and the renter left and at the same time the renter left, I lost my job.

Program 3648: Tell me, Jim. How did you hear about your certified Program 3648 representative Miss Kathy Griffin?  How did you hear about her?

Jim: My missus called a friend of hers and she recommended Kathy to us.

Program 3648: Okay, great. May I ask you, could you please tell me how much better you felt about your situation after visiting with Miss Griffin?

Jim: There are really not enough good things to say about her in the whole [blasted] organization. Everybody we dealt with was nice and they would talk to me in terms that I could understand.

Program 3648: Good. I know, Jim, that sometimes the short sale process can be long and cumbersome. I want you to tell me how was your experience working with Miss Griffin?

Jim: It was fantastic. The lady knows her job. She knows how to make you so that you feel – I felt at ease because I was scared. It was just nice to have somebody who fought for you.

Program 3648: Jim, I know a lot of foreclosure scams out there. They charge homeowners money. 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 Miss Griffin provided for you at absolutely no cost to you?

Jim: Fantastic because that was it. Anytime we’d run into a block, she would move on to get that block out of the way and…

Program 3648: What would be your recommendations to other homeowners that are considering a short sale using a Program 3648 representative such as Miss Griffin?

Jim: Well, if they want a non-pressure deal, Kathy was super. The other realtor was super. That’s the only way to go.

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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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Testimonial from Isis in TX

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

Isis: Isis, The Colony, Texas.

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

Isis: We had a very high PMI and also foundation issues, so we were just basically in a house that was just falling apart and we were unable to fix it.

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

Isis: My husband just called Kellar Williams because that’s who we bought the house with.

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

Isis: [Kind of] better.

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

Isis: It was okay. She ended up leaving Kellar Williams and we had someone new, and then we got things done quickly after he signed on.

Program 3648: Okay. Tell me. What did you like most about your Program 3648 representative and the work that he did for you?

Isis: He was very quick on responding to any of my emails. It seemed like he really called and made effort and documented things of what happened, like a timeline of who called when and what, the mortgage company, and things like that.

Program 3648: Okay. I know, Isis, there are a lot of foreclosure scams out there. They charge homeowners money and they don’t provide them any help. Program 3648 Scam Prevention’s 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?

Isis: I’m thankful we were able to do it. I’m glad it’s over.

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

Isis: Find someone that is very knowledgeable and you feel you could be honest with and they’re hardworking. Honesty is probably the best policy with the short sale. That’s my only thing.

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Testimonial from David in UT

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

David: First name is David. I live in Lehi, Utah.

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

David: Well, the investment house and lot that we were hoping to use to help get us a new home, the value dropped and my income dropped and we were unable to make payments.

Program 3648: Okay. How did you hear about your certified Program 3648 representative Mr. Brian Pitcher?

David: Brian Pitcher contacted me and asked me if I needed any help.

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

David: Well, obviously, we felt good because we had him do our work and then I’ve also referred one of my relatives to him as well, so I consider it a positive experience.

Program 3648: Great. I know, David, that sometimes the short sale process is long and cumbersome. Could you just briefly explain to me your experience working with Mr. Pitcher?

David: He was always available and he pushed things through fast and he had a number of people who were interested in it that were eager as well, and so I’m sure all processes aren’t really quick and we understood that but he seemed to be on the ball and pushed things through fast and it worked out well.

Program 3648: Great. Were there any specific that was done to help relieve the stress of your situation?

David: We’ve been just having him always be available and always answered questions and met with us personally, came to our home on one of the closings. He just accommodated whatever we needed and worked out good.

Program 3648: Great. David, I know 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 services that Mr. Pitcher provided at absolutely no cost to you?

David: Well, it worked out good for us, of course, because we didn’t have any money to pay anybody. In fact, even one of the buyers or one of the banks asked for us to pay and we said, “Well, it would be hard for us to do that and we don’t have any money to give you.”  He was able to go back and negotiate with them and worked out where we didn’t have to have any money out of pocket, which was good.

Program 3648: Great. David, you said in one of your previous answers that you’ve already referred a family member to Mr. Pitcher in regard to a short sale transaction, so there would be recommendations to other homeowners that are considering a short sale using a Program 3648 representative?

David: Sure.

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