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?

Robert: Robert. Chadwick, North Carolina.

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

Robert: Well, my case – my job after 21 years, they went and end it. I just packed up and come back to North Carolina with family.

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

Robert: I got the letter in the mail and I just decided to call her up. Then she came and sat down and explained everything to me and we went from there.

Program 3648: How much better did you feel about your situation after visiting with Ms. Hickerson?

Robert: Oh, I feel really comfortable. She made me feel really confident,  and her daughter when they came to the house and said let them handle it  I don’t have to do nothing with. You know I didn’t until they need me to sign papers.

Program 3648: That’s good. Now Robert, I know sometimes the short sell process, it can be long and cumbersome. How was your experience working with Ms. Hickerson?

Robert: Oh, I like I said, like none other and I can say everything just went smooth. They just came around when – they just had a paper for me to sign and that they’ll call me next week about showing out the house until you notice people coming around, I mean it’s just really nice.

Program 3648: Good. I know a lot of foreclosure scams are out there, Robert. They charge homeowners money and they don’t provide them any help and Program 3648 scam prevention efforts, we’ve 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 Ms. Hickerson provided at absolutely no cost to you?

Robert: It was just a big relief. Just like I said, just relieved to get out under the house with – like I said, no out of pocket expenses. I just can’t say enough about them.

Program 3648: What would be your recommendation to other homeowners that are considering a short sell using a Program 3648 representative such as Ms. Jan Hickerson?

Robert: Oh, yes! I’ll definitely recommend that. Going through a foreclosure, I can say I just never experienced that. That is so easy without having something seems hard without having to do anything. Jan and Andy, thanks for doing a wonderful job.

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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?

Robert: My first name, Robert, and Rio.

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

Robert: I can’t afford to pay – I went without making my mortgage payments because I had no income.  I couldn’t make the payment.

Program 3648: Okay.  Tell me, Robert, how did you hear about your certified Program 3648 Representative, Ms. Kirby?

Robert: Well, Claire Kirby introduced me to it and she’s handling all my paperwork.

Program 3648: Could you tell me, Robert, how much better you felt about your situation after visiting with your Program 3648 Representative, Ms. Claire Kirby?

Robert: Well, she’s very convincing and reassuring to me that – she was very comforting and the fact that she said that she would make a go as easy and as fast as she could. She updates me all the time on what’s going on and everything.  So, besides the fact that I lost hundreds of thousands of dollars on rentals, I’m happy just to get out of it, and you guys did a great job.  Claire did a great job here.

Program 3648: Robert, I do know this and I know that sometimes the short sale process can be long and cumbersome.  How was your experience working with Ms. Kirby?  Can you tell me some of the things that were done to help relieve the stress of your situation?

Robert: She told us from the get go – just from the first time that we got together with her that once we had our meeting, and the ball was in her court and not to worry about it anymore and that she was taking control and she did.  She was fantastic at it.

Program 3648: Great.

Robert: She’s fantastic.

Program 3648: Good.  I know, Robert, a lot of foreclosure scams are out there.  They charge homeowners money and they don’t provide them any help, and that Program 3648 scam preventions efforts have done a lot to help homeowners understand that they can get real help for free.  Tell me, how has it been so far for you with working with Ms. Kirby on the properties that you do have, to receive all of the help and services that she’s provided at absolutely no cost to you?

Robert: It’s great!  We’ve had all kinds of people call us, everything like that, but like I said, Claire, she’s on the ball. She’s got it together and it’s just been good.

Program 3648: Robert, what would be your recommendation to other homeowners that are considering a short sale using a Program 3648 Representative such as Ms. Claire Kirby?

Robert: Honestly, I just think that everything was handled very professionally, and if somebody’s in the same situation, then I would say that the short sale is rather painless.

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

Melodea: Melodea. I live in Torrance, California.

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

Melodea: I had an adjustable.

Program 3648: Okay. How did you hear about your certified Program 3648 representative Ms. Sharon Johnson?

Melodea: I believe she was in my area at that time doing short sell. I just ran into her and started asking her questions.

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

Melodea: Much better. She was really informative and she answered the questions that I had no understanding of in regards to short sell.

Program 3648: Okay. Melodea, I know sometimes the short sell process can be long and cumbersome. How was your experience working with Ms. Johnson?

Melodea: She was wonderful. It was long and cumbersome and it’s not because of her. She basically – she did a lot to get it to where she was finally able to get an approval to do a short sell so she did a lot of [calling] and calling and on hold.

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

Melodea: She basically took it over and I basically sat on the side while she did all the legwork basically. I didn’t have to… Prior to meeting her, I did internet search. I tried to understand what the short sell process was and trying to call First Franklin to get somewhere and I didn’t get anywhere until I finally met Sharon.

Program 3648: What did you like most about working with Ms. Johnson and the work that she did for you?

Melodea: She was on top of things. She was totally on top of everything and it made it a lot smoother process.

Program 3648: Okay. I know that there are a lot of foreclosure scams 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 your Program 3648 representative provided at absolutely no cost to you?

Melodea: Oh, I really liked that because I was scared to go to anybody online [anyway]. I pretty much felt that she was trustworthy and I wasn’t going to have to pay out a bulk amount of money which I did see online – people requesting for help if you give them so much and I didn’t lose anything.

Program 3648: What would be your recommendation to other home owners that are considering a short sell using a Program 3648 representative such as Ms. Sharon Johnson?

Melodea: I would recommend her to anybody.

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Program 3648: Please just state what is your first name and the area where you live.

Laurence: First name is Larry and I’m in Sparks, Nevada.

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

Laurence: Basically I went to my mortgage lender a couple of years prior to get a slight increase in my mortgage and then lo and behold, I was in over my head when the market fell.

Program 3648: Larry, how did you hear about your Certified Program 3648 representative, Kyle Krch?

Laurence: I think I found him just through local advertising. I kept driving by their office.

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

Laurence: He made me feel very good.

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

Laurence: Kyle seems very conscientious, very concerned and very knowledgeable.

Program 3648: Okay. Larry, I know there are a lot of foreclosure scams out there and they do 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 Mr. Krch provided at absolutely no cost to you?

Laurence: Oh, I was very happy with the overall service.

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

Laurence: If you have to do it, you have to do it. I mean it’s better not to have to, but I think Mr. Krch – his office did a good job and I was satisfied with the final result.

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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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Testimonial from Lynn in KS

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

Lynn: Lynn, and I live in Kansas.

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

Lynn: We got orders to leave Colorado and move to Kansas.

Program 3648: Okay. How did you hear about your certified Program 3648 representative, Ms. Monique Vollmer?

Lynn: A friend of mine had used her.

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

Lynn: Good.

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

Lynn: It was good with her. She kept me informed on everything that was going on.

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

Lynn: Just mainly the fact that she contacted me to let me know what was going on, and I can call her anytime also to find out if I had any questions.

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

Lynn: She seemed to do very well what she was doing. She kind of just went above and beyond to help me out. So, I mean, I’ve never had to work with anybody who made me feel the way she did.

Program 3648: That’s good.

Lynn: She made me feel comfortable about it and everything.

Program 3648: Lynn I know a lot of foreclosure scams are out there that 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. Tell me, 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?

Lynn: It was great and a big relief.

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

Lynn: Oh, I definitely would recommend it.

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

Daniel: First name is Daniel.  I live in Chantilly, Virginia.

Project 3648: Could you briefly explain what happened in your case?

Daniel: I lost my job and I got injured.

Project 3648: Okay.  May I ask how you heard about your certified Program 3648 representative Ms. Tia Johnson and Ms. Sarah Reynolds?

Daniel: I found out about the Reynolds’ Realtors through a flyer that they sent to me.

Project 3648: Okay.  How much better did you feel about your situation after visiting with your representatives?

Daniel: I felt quite a bit better.

Project 3648: Great.  Daniel, I know sometimes the short sale process can be long and cumbersome.  How was your experience working with Ms. Reynolds?

Daniel: Very good.  She did a good job, kept us informed.  She was very steady about it, very professional.

Project 3648: Daniel, what did you like most about Ms. Reynolds and the work that she did for you?

Daniel: Even after the sale, yes, we ran into some – what we thought were some difficulties and she helped us quite a bit with that, so.

Project 3648: May I ask what would be your recommendations to other homeowners that are considering a short sale using a Program 3648 representative such as Ms. Sarah Reynolds?

Daniel: This is like God sent to me.  It would be – make sure that you do your homework, look at all your options.

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