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?

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?

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?

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

Adam: First name is Adam. I live in Clarksville, Tennessee.

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

Adam: Pretty much me and my wife had separated at the time and I got stuck with all the bills and I just couldn’t make the mortgage payments or more of the bills at that time, so I had to sell the house.

Program 3648: Okay. Adam, tell me, how did you hear about your Certified Program 3648 Representative, Mr. and Mrs. Peterson?

Adam: I actually got online about – for people to buy houses – and within 30 minutes of me submitting my phone number, they gave me a call.

Program 3648: Great! Tell me, how much better did you feel about your situation after visiting with your Program 3648 Representatives, the Petersons?

Adam: They were really pleasant people. I really enjoyed it. They made everything very easy for me. I really didn’t have to do much except sign something, so it was very easy.

Program3648: Great! I know, Adam, sometimes that the short sale process can be long and cumbersome. How was your experience working with your representatives?

Adam: Again, it was very easy for me. I really didn’t have to do much. They took care of everything for me.

Program 3648: Okay. Tell me, what did you like most about working with your Program 3648 Representatives and the work that they both performed for you?

Adam: They took care of everything. I was pretty much clear of mind. I didn’t have to worry about anything, so it was perfect. I mean, I like things where I didn’t have to do anything much of.

Program 3648: Okay. I know, Adam, 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 that feel for you to receive all of the help and services that your Program 3648 Representatives provided at absolutely no cost to you?

Adam: Well, that’s very interesting because I didn’t know of places that didn’t charge, so that worked great for me.

Program 3648: Okay and, Adam, what would be your recommendation to other homeowners that are considering the short sale using a Program 3648 Representatives such as Mr. James and Ms. Barbara Peterson?

Adam: Well, if they don’t really want to do it – have much to do with anything, they just want their house sold and not worry about anything, definitely go with some people like them because they made the process very easy for me. Again, I didn’t have to worry about much and that was pretty much it and it made my life a lot easier especially when I was going through a rough time.

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

Tammy: Tammy. That’s my first name. I live in Northern Virginia.

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

Tammy: I got separated. I’m a stay-at-home mom and my ex stopped paying the bills.

Project 3648: Ok. How did you hear about your certified Program 3648 representative Mr. Brian Piercy?

Tammy: We went to high school together, he’s a friend.

Project 3648: Ok. Tell me. How much better did you feel about your situation after visiting with Mr. Piercy?

Tammy: Great. He was very professional. He was great.

Project 3648: Ok. I know Tammy that sometimes the short sale process can be long and cumbersome. How was your experience working with Mr. Piercy?

Tammy: I talked to them, so I know he wasn’t going to steer me wrong, so…

Project 3648: Which comes to my next question, Tammy, and that is because you know and I know there are a lot of foreclosure scams out there that are charging homeowners money and don’t provide 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 Mr. Piercy provided at absolutely no cost to you?

Tammy: Great.

Project 3648: Ok. What would be your recommendations to other homeowners that are considering a short sale using a Program 3648 representative such as Mr. Brian Piercy?

Tammy: [You know, you're got a tough find and it stops], you need to take it.

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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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