American Home Mortgage Servicing reviews and complaints

Nice comment

Love the comment thanks

I am posting everywhere I can to warn people about USAA and their horrible treatment of customers (members) - USAA Mortgage is run by mexican immigrants, I am totally convinced of that! Our VA Mortgage Processor, could not communicate well at all (and I think she cursed out my husband in Spanish) therefore, I will tell everyone I know AND the VA loan center about how Veterans and their families are treated.

I applied alnong with my husband for a VA Refinance a month ago. My husband is 100% disabked as a result if service in Afghanistan- a grenade exploded under him during a "sweep". He is a grunt, an infantryman and would die for his country- and he almost did! Anyway, our VA Processor kept telling us he has to pay the 3.3% funding fee. Then, she changed her mind and said no he did not. She refused to accept any paperwork from the VA with his rating. This incompetant [censored] mexican lady put us through hell and back! It finally came to the point that our lock expired not once but twice on us. Had we gone through with the USAA refinance, we would have had another half a percent tacked on to our rate.

I am thinking that this malicious treatment has to be criminal or fraud. I find it hard to believe that a fortune 500 organization would be so "politically correct" in its hiring to reflect the large mexican american population in TX without regard to skill or merit. I understand that they have a consumer reporter on KENS 5 in SA. I have contacted him and they will be airing an expose on USAA Mortgage Services in early Feb 2011.

I want to vomit when I think of the bad people there.

You have to find "The Department of Corportations" to file a complaint.

As well in my case AHMSI took a payment in Nov. 2011 and for some unknow reason added a 2nd. Not complain, but they not removed one payment but two, when they found the error and replaced the fund, it was credited to Prin, with a small portion of the payment put into a holding fund to which they claim the Nov. payment was not made. AHMSI is now reporting the past 6 months of payments as not recieved and/or late to which they dont even know what to list it as. As I write this a copy of all payment documents are on the way to FDIC. If you also have had an issues with this bank get a hold of Consumer Complains.

You have to find "The Department of Corportations" to file a complaint. Even if the license had been pulled they are still protected under "The lender mortgage protection Act" You must file a complaint.

How did you recitify the misapplication of the additional principle payment. this has happened to me every time send additional payments.

How did you rectify this? This has happened to me 4 times already...

AHMSI has been a night-mare I have been trying to get a loan modification since May 2010. Every time I call they ask for something different. They sent me 3 application saying they never recieve one I sent. Once they only ask for documents didn't say anything about application and ask me to send money over a period of 3 month, after sending money for 2 months I get letter sending my money back via money gram. When I called to find out what happen they rudely told me they never ask for money and it wasn't enough anyway. Sending money and the amont was there idea. Each month I would confirm money recieved, every time I talk to them they would remind me of money I needed to send. In Feburary they said once again they were mailing an application to complete. Oh! also they told me on several occation that any action on my property would be on hold util 04/2011. I confirm the date of the hold when they said I needed a new application AGAIN. I recieve application Feb 20, 2011, my house went up for aution Feb 22, 2011.
I call AHMSI and they said that they hadn't talk to me since 08/2010. They said it was to late. I told them I had proof I had been communication with them I also have last application with date on it.I was put on hold for about 30 min. I hung up call back and they keep hanging up on me. During my experiance with them I have never got same answere once they told me they didn't have away to find out what happen during my last conversation because of where they were located. ALL THEY DID WAS CLOWN ME. But I'm not done yet. Next I'm contacting my Legislator and cc Obamah office they souldn't be able to get away with putting families in the street.

BOB YOU ARE AN ###. THIS COMPANY IS A HUGE SCAM AND THERE ARE ALOT OF PEOPL LOSING THEIR HOMES. CONTACT THE FTC. MAKE A COMPLAINT AND THEN FOLLOW WHAT THEY SAY TO THE T... GOOD LUCK.

Beware!
I refinanced home after I paid my summer property taxes in 2006. AHMSI, sent me a projected escrow analysis stating they had paid the same taxes I paid and then increased my mortgage by the so-called shortage. While trying to get this resolved, I kept making the increased payments. Then fell behind on my payments and requested they apply the monies sitting in escrow, which were at least three times the amount of annual property taxes.
Now, home has been sold at Sheriff sale, they would not honor a short sale and we are getting evicted next week! This is the worst company I have ever dealt with. They are very deceitful! Where are our watch dogs when you need them? This company needs to be taken down and sued. Please contact me for any class action lawsuit.

i agree that they are ripping off homeowners

Dear President Obama
Don't want to send a long mail, because you are so busy running the country and doing a very fine job at it. I just want you to know that this company is really a scam. If you could just get someone to look into it, i believe you will find that this company is no. 1 at violating all kinds of federal laws practices and have ripped people off in the billions. They have taken our money as well as our homes. Just take a moment, if you can spare, and you will find that millions of people will thank you for it. Sincerely, Mrs. Sessoms

email him at the White House and maybe he will. Don't think he doesn't read his emails because he answers over a hundred emails, letters and phone calls everyday. I enjoy sending him emails to let him know what us little folks think...you should too, you help pay for him!

where are the regulators in all this mess. I have had problems with them for over one year. I am currently on a trial payment that is 2487 a month. No one would help me understand what I am paying for.

WHY CAN'T OBAMA PUT AN END TO ALL THIS MADNESS.

American Home Mortgage Nightmare, and still going on.
This is part of a letter I sent to them, andThe Texas Attorney general;
“I need who ever is in charge of re-analyzing my Account to really take a look at it, and see what has happened these last few weeks! AHMSI has had a pre-recorded call coming to my cell phone sometimes 3 times a day. And every time it’s says I have not made my April 2009 payment, and I owe $963.05 that is past due. And many times I get hooked up to someone from AHMSI, that does not know anything, and I have explained it to them at least 5 times, and they don’t get it (and of course they never even sound American from this American Company). Nothing they say has ever made any sense.
First of all as I explain to them that I have already paid my normal Mortgage payment of $555.58 March, 31, 2009 which was for April. And I always pay my own taxes, and insurance. This I have explained about 5 times, and twice I have faxed in my insurance policy showing them it was paid. I have also entered my up to date insurance information on their web site. Anyway as you can see, and I can not even tell you all the figures the others from this company tried to come up with, and why they thought I owed all that. I now understand why many say the loan companies have ruined this country. Try to understand I have been hassled by this company for no reason.”

They raised my mortgage payment from $555.58 to $963.05, (that’s $407 extra a month) and I can not afford that, so I have been behind on my payments. I have still been paying, but can not pay $963 every month. So they act like they will help me get an affordable payment plan. If I would just sent in all the paper work they want, and I have a least 3 times.

My house was foreclosed on by them with the same type of treatment. We need a class action suit againt this type of business!

You have to find "The Department of Corportations" to file a complaint.

EVERYBODY STAY THE HELL AWAY FROM A.H.M.S.I, NEVER TAKE A LOAN FROM THEM "EVER" They don't know their business!
Yes, I have tried to save my parents home (OUR HOME) AND the Income wasn't even our problem at the time, it was all about my mother being 6 months behind on property tax "FU**IN PROPERTY TAX" !
for 3 yrs I fought with A.H.M.I.S not to mention also had to do 4 modifications over N over, because they didn't know how to do it..(my mother had the loan, But my name was on the title/deed+ P.O.A) But cant talk to no one there, ALL STUPID IMAGRANTS, WHO TOOK OUR JOBS AND CANT SPEEK OR UNDERSTAND A DAMB BIT OF ENGLISH" "But as stated my mother went into a nursing home, she was 6 months behind in Property tax= ($1200.00, ) when I offered to pay it up front for my mother, they told me NO! it would have to be placed into escrow, without any prior notification, OUR OPINION, OR acknowledgment, they placed it into escrow for 12 months, (Well thinking a few more dollars, ok) But it raised my payment from $731.00 to $1428.00 (is that ridiculous or what?) I also received a new statement regarding our new escrow balance due, of $5, 500.00? On 6 months? HOW THE HELL did they reach this amount? After weeks N months of calls later and not 1 person who knows their job, I was finally told they paid 1 yr in advance, "OK" but that still doesn't equal out to $5500.00 when the yearly tax is only $2400.00 and the past due amount was $1200.00, MY calculator's total is $3600.00! WHERE THE HELL DID THEY GO TO COLLEGE? my mother lived on only S.S Income @ $1326.00 monthly+ utilities. How the hell was she going to make that payment? (after the death of my uncle we moved in to help) Then a few months later she now residing in a nursing home, and they took ALL her income! So I took over all the payments and continued to fight for the escrow to be lowered down and corrected! My husband and I were finally told (several months later) by a rep, at >A.H.M.S.I that they should of never did an escrow at 12 months without our acknowledgment or ok, He also said to write and fax a letter to escrow and tell them YOU CANNOT afford their payment and requested it could be stretched out as far as 36 months(the rep told me this was a hand book rule) after writing the letter I was DENIED? HOW the F**CK can that happen? (If its in there hand book to allow, If it can not be paid in 12 months) Not to mention now being told again, ...to try for a modification? DAAAAAA! Already have, 7 months ago! and then told they had nothing on us! So had to start all over again, Not to mention, to keep sending in my P.O.A for my mother even though they had that on file, but they were always to lazy to look it up. Now get this; after 11 months later and 100 calls later to speak to an AMERICAN! I received a notice In the mail that my modification was denied, (Wait) THEN>2 days after that, I received another notice STATING" " I WAS APPROVED!" (If this doesn't tell you how screwed up they are) But the modification included all the Property taxes and Insurance of Now $6500.00 and wanted an additional home owners Insurance of $197.00 per month?(I paid $52.00) Lol! ya right! the balance prior to all this was $75000.00 owed on the home with a 8 1/2 % (paymt of $731.00) Now new Balance is $96000 @ 5 1/2 % new payment of $908.00 DA! WHAT? (Is something wrong here?) also I sent back the documents signed as required to except there MOD, And mentioned to agree with the exception of removing the home owners Insurance because this was NOT my fault, I had paid it until my Insurance company rejected it saying there was a lien on the mortgage, and could not insure it. But I requested somebody to contact me about how the hell they reached this figure, and my home Ins, was only NOT paid for 2 months? So I wanted it taken off plus all the interest and penalties.and to take off the home owners Insurance, since I carried My own insurance for the last 5 yrs, BUT after changing my Insurance company, , So, this was not my fault and I was NOT in Default for Insurance, so I refuse to pay it back,
Well, It has been 13 months later, No response from No one, and a foreclosure letter, not to mention they came to my house to change the locks on me when I was out of town... (which I kicked in the door when I returned) What gives these people right to do as they want? and
WERE THE F**K IS OBAMA'S FORCLOSERE HELP? AND JUST BECAUSE OF 6 MONTHS and $1200.00 OF LATE PROPERTY TAX I NOW LOST THE FAMILY HOME!Even when I offered to pay it at the very beginning, But A.H.M.S.I Is still calling me and sending letters to my house asking "IF THERE IS ANYTHING THEY CAN DO TO HELP ME...LOL" I'VE LOST IT!LOL WHAT A JOKE ON THEM!
"I TOLD THEM TO SHOVE THE HOUSE UP THEIR ###" I now put the house up for a short sale back in September 2010 and am having problems all over again, i have a buyer but cant get anyone to call me, and finally after reaching somebody (FOREIN ### OF COURSE) THEY CLAIM They don't have or didn't receive any documents! The packet I did send in!
So I now have a sheriff's auction on the 23rd of Jan, and have to start a short sale offer all over again! WHY THE HELL AM I EVEN TRYING? But I went through all the required steps to save my home, "save a dream house", HUD", everything, and No help! all over property tax, like I said Income isn't the problem . My husband works for the union @ $3200 per hour, and that doesn't even count for anything!
"I WOULD LOVE TO FILE A CLASS ACTION SUITE ON A.H.M.S.I IF AN ATTORNEY WOULD EXCEPT IT, BUT I THINK THEY DONT WANT TO CAUSE THEIRS NOTHING IN IT FOR THEM! I FEEL THERE IS ENOUGH PEOPLE ON HERE WITH THE SAME COMPLAINTS, SO WHY DONT THE ATTORNEYS DO SOMETHING ABOUT IT?
PS: would like to add, A.H.M.S.I also took this loan out for my parents back in 2005, when my father was institutionalized, and my mother had Alzheimer's, dementia, memory loss, and very ill" But still went to the mental house to retrieve my fathers signature, and came to my mothers house to retrieve her signature, I witnessed it all, I was their, and the rep, even told me to my face" Ya know, "IT IS AGAINTS OUR POLICY TO EXCEPT THESE SIGNATURES DUE TO THEIR ILLNESSES, AND INCOMPITENTCY" So why isn't this enough for a lawsuit on A.H.M.S.I ?
Thank You all and good luck!:)
Terryjane from
BrookPark, Ohio

We have a mortgage with AHMS. We did a loan mon with them in April 2009. We did not have an escrow account set up prior to doing the modifacation. As part of the modification, they paid our past due property taxes and set up an escrow account. So after a year of paying the new mortgage amount which included an escrow payment to cover property taxes, we find out they never set up the escrow account. All the extra money we were sending for escrow they were applying to our mortgage balance. So their response was rather than try to reverse the escrow money they applied to the mortgage they said it would be easier to do a whole new modification. We were informed not to make a payment until the new modification was done. We are currently in a chapter 13 and need court approval for the modification which we did get for the original modification. We received a letter about 2 months ago from AHMS saying they are not going to do the modification due to no response from the court. Which makes absolutely no sense since they are the ones who suggested they do a new modification. I'm thinking about contacting an attorney. Anyone else have a similar problem?

Hello I Hope this helps. We also have American Home Mortgage. Our loan was sold to this horrible Company. We have been "Under Review" for the Making home affordable program for 6 months. This was supposed to have taken 60 days at the most! They had Fraudently taken more money out of our account, then was specified. When Calling they could not tell me why the did this, but refused to credit the amount. I complained to the BBB and we did get a refund finaly. Now we are having to deal with this Loan Modification that doesnt seem to ever happen. They loose the paperwork, or claim we did not send anything in. Then i find out that all of my calls to them go to India! So here is what I did. 1. When Calling ask for the US Office. 2. I Wrote a personal letter to David Applegate, the New CEO for American Home mortgage, And let him know that we are trying to save our home and his company is worthless! 3. I also wrote a letter to our Local Congressman, and to the State attorney General's office of California. Guess What! Our Congressman put a call into their office and two weeks later, our Modification was finalized. If they try to pull anything on us during the trial period, I will sure as hell be writing the BBB, Congressman & STate attorney General's office! What a bunch of crap that these people will only respond to you if you complain to the goverment! Hope this helps anyone. I would start writing letters to your Local Congressman, the state attorney general, Better business bearu and even Washington DC!

Try filing a complaint with the "Department of Corporations."

tERRY FROM BROOKPARK: E-MAIL ME if you find anyinformation for class action or other @ terryjane.duszik@ymail.com

I would love to file class action, Ive called averyone for help, NOTHING!

my mother went into forcloseure with option one morg. comp. in 2004, she had dementiia, when we found out I called to exsplain she had all the money and could still pay it all up. (they denied her) we then found A.H.M.S.I witch offered to refinace her home and save it. some how she went from a balance of $50, 000 to $84, 000 with A.H.H.S.I ?(WHAT WAS THAT) but then we had to put her in a nursing home, me and my husband had the deed and title put in our name to save the home and take over the payments, they said after 1 year we could purchace the home ourselfs, we were denied! 4 years later after paying all the bills and (mortgage pymt of $731.00) they sent a letter stating my mother fell behind 2 years in property tax, and added it to our loan payment (now $1400, 00) We told them this was a rediculious amount and we need it lowered to be able to afford the payment, again we were denied (another man FROM the comp. told me we could have our escrow devided up to 36 months, that they had no right to give us only 12 months to pay back ) after calling and requesting this we were denied again.In 2009 they told us to file for a modification for my mother because the home loan is in her name but after I could not submit all the documents, because she lives in a nursing home. she was denied... I finally told them to DROP DEAD AND GO TO HELL! Im keeping my money now$$$$ last week I recieved a call again and was told to put the modification in our name (daaaaaa!) I told the lady " I already asked you that" and you people said no because the loan was in my mom's name, well Im now 4 months behind IN PAYMENTS and the home is in forclosure, but Im filling out another set of modification papers in our name, let's see what kind of stupid answer I recieve now! MY ADVISE STAY HELL AWAY FROM A.H.M.S.I, THEY WILL TAKE ALL YOUR HOMES. OBAMA, , , WHAT THE HELL IS THIS? YOU ARE SUPPOSE TO BE HELPING US KEEP OUR HOMES AND MORTGAGE COMPANIES LIKE THIS ONE ARE RAKING US OVER, , , , , , THEY SUCK, IM PISSED, AND NOW HOMELESS WITH NO HOPE OR CREDIT ! FROM BROOKPARK, OHIO

It has been over one year since I have been trying to get a loan modification with AHMSI. Worst mortgage company in the world to date. Nothing yet. I have negative $17, 000 in escrow and they added $48, 000 to my principal balance, a breakdown that they have yet to provide. They finally placed me on a trial payment program for $500 more than what I was paying whilst they work out a loan remodfication. that is asinine. President Obama needs to pass laws to prevent these banks from ripping off the public. I voted for him, but I am disappointed that he has not done enough to protect the homeowners from these money hungry vultures. If anyone wants to file class action, I will gladly join.

These people will burn in hell for the way they rip the citizens who work so hard for their money. if they don't pay for it in this lifetime, they will pay for it in another life.

I had tried making contact since November with no luck. I tried a Loan Mod co. that ripped me off. If you don't quailify for Obamas plan and Hope For Homeowners and HUD counclers can't help, and your in a adjustable or Option ARM, then you may be a victum of predatory lending meaning your in a loan you could never afford in the first place.
I looked into doing a mortgage audit so far. My auditor explained, fat chance on getting a loan mod because I never qualified for the loan in the first place. Best news I ever got. Someone being honest. If this is you, I recommend going straight to doing a mortgage audit. Low cost to find out if your a victum. This is one place I found. www.mortgagewars.com but I hired "Mortgage Audit Services"

They will get all your loan work for you and locate the fraud for a low cost. Then you will have all the paper work ready to present to a lawyer.

This is also a cool stress releif article I found on foreclosures called "Homeowners Don't Get Left out in the Cold."

http://www.huffingtonpost.com/iris-martin/homeowners-dont-get-left_b_190346.html

Doing what I can to help. Good Luck.

Crooks. Class action suit. Together we can do it. redekorver@yahoo.com

Excellent piece . I was fascinated by the insight ! Does someone know where my assistant can grab a sample IRS 2290 form to type on ?

I am a lawyer who sues mortgage companies, call me [protected]

My house is scheduled to be auctioned, and this is due to an apparent insensitivity or recklessness on the part of AHSMI. Payment of $1, 850.00 suddenly jumped to $4, 300.00 a month. They claim that I have an escrow shortage of $99, 000.00. This is over a period of two years. Even if I had not paid insurance and taxes on the house, there is just no way i would be in shortage by that amount. Average insurance is $1, 200 a year, and property tax is about $12, 000 a year. I made several attempts to talk to both American line and the India line, I never succeeded. I kept making my original modification payment of $1, 850.00 . They claim I have defaulted for six moths and the house was placed on foreclosure.

Sad and very angry with AHMSI

Did anyone get this resolved. I'm now having the same issue. After months of being on the Modification and making the payments, now I've got a $3000 shortage in escrow! No way! What to do?

Brian,
We had almost an identical scenario with the loan modification. We were making payments as agreed after the mod, and all of a sudden they slapped us with a $500 per month increase in our payment. We're still fighting this. I never talk to people in India and always ask for Texas not even going into details. I was told to send a request to the tax/escrow department to spread the "shortage" over the maximum 36 months. They only did it for twelve, so our payment is still high. The fax number for the home retention/escrow [protected] I hope this helps.

AHMSI is going against every legal compliance. Have any of you considered doing a forensic audit?

Have any of you guys gone to an attorney or a person who can do a forensic audit?

This is all so bad it makes my skin crawl. I just hung up the phone with them. I am reading problems and issues that I fear I will soon be facing if I cannot get my problem resolved. I too had a mortgage thru Option One that was transferred to AHMSI. This April I received an Annual Escrow Analysis Statement showing my escrow was short $15, 000. The taxes on my property are less than $2, 000/year. I made a call to them in April and was told that it would be resolved. I sent my June payment as normal. I recieved a letter stating my load was in default. I telephoned them on June 8, I faxed my tax bills to them and as was suggested, made a follow up call three days later. Of course, they say they did not receive my information. After 90+ minutes on the phone between Customer Service and the Tax office, they agreed to do a new analysis and the said I'd be notified by mail. The mailing that came dated June 17th stated that my new monthly payment begining in MAY was $1698, of course this was down from the $2200 but still way off. I looked at my credit history and found that they posted my June payment as late. When I called again, Wednesday July 8th they told me that June's payment was posted to May's escrow balance shortage (remember $15.000?) This left a shortage in my account which is why they reported me late. There is $764 sitting there, which I still need to pay the difference which we do not know yet what it is, and July's payment is now due. So on Wed. July 8 I spend again over 90 minutes on the telephone with 5 different people. I finally got a supervisor, Joshua who contacted the tax dept again, asked that we reopen the audit and told me to call back today. That the adjustments he made would take an overnight cycle to show correctly. I called today, was not permitted to be transferred to Joshua as I have no last name or extention number, which aparently do not exist anyway.
I spoke to Rosa in the Tax Dept. She tells me that they have received three copies of my tax documentation but could not verify it and that an audit would take 20 days. I was then transferred back to Customer Service and spoke with Kailash only to be told that there had been an error in processing the June audit request. I asked that my audit be expedited as it was there error, but of course that cannot happen. I see why, there are many people like me trying to accomplish account updates etc with this company. I asked for Home Retention to see if they would stop marking the payments as delinquent when they are getting them and that cannot be either. If I had a nickel for every " Ma'am I understand" that I heard over the past three months I would have been able to pay the mortgage off. I am now instructed to call on July 14th to check on a payment amount. Or, I can pay the balance they feel I owe which is $3000. I hope that we all can resolve our complaints with this company for our credit ratings are going straight down the toilet waiting for them to comply with our requests.
If anyone has any further information, please feel free to share it. Thank you for reading my post.

I am dealing with exact same issue. Any results on your end? I am getting stonewalled.

Contact info for person in United States not the India Line

Claudia Pesina
Payoff/Lien Release Supervisor
American Home Mortgage Servicing, Inc
4650 Regent Blvd. # 100
Irving, TX 75063
Direct line [protected]
Fax [protected]

I have no real idea where to start. Today my home was sold at auction without any notice to me.

Last fall, we were behind in our mortgage payment, and in order to save the home, we entered into a forbearance agreement and paid double our mortgage payment for a few months. In January our mortgage was sold to another company, American Home Mortgage Servicing. We received a letter from them telling us our first payment was due in March. We contacted both the new and old mortgage companies to confirm this information. The old company confirmed that we no longer owed them anything, and AHMSI told us our first payment was not due until March.

My husband called back on March 2 and was told our first payment to them was actually due March 21. He called them on the 20th, Friday, to make a payment, and was told the forbearance needed to be reworked with a different interest rate, and they would call us back with the new information and send us the papers to sign. They never did. At no time were we told that our house was in jeopardy, and we asked specifically about that. We received no letters or anything telling us this was going to happen.

Our home is actually currently on the market, and we had already accepted an offer. Our loan amount is under $400K. The offer we accepted is $735K. The house 2 doors down from us, same floor plan, but less upgrades and less property, just sold last month for $725K after less than 2 months on the market. Our house was sold at auction today for $575K and we were not warned AT ALL. We were shocked to come home today and find out from our realtor that our house has been sold out from under us.

We immediately called AHMSI, and they refuse to reverse this or work out anything-- and of course not: they have also let us know they get to keep the amount over our loan amount. They are using the confusion during the time of the loan changeover for their own gain, of between $150K and $200K! My gosh, if we could even have THAT amount we could get a new home-- but as it is, we have lost everything. We have three children, two are very small (my girls are ages 15, 4, and 2) and we are now suddenly going to be homeless.

This mortgage company is completely unethical. What can we do? Do we have no recourse?

We listed this house, which is the house I grew up in, specifically so this would not happen. We were trying to sell it so we could move to a less expensive area. Now... I don't know what we will do. We have no down payment for a home now.

We had the same problem 2 years ago ... started sending our payments back and then we found out the filed frocloser on us 1 year before that and didnt noitify us ... when we tried to work with them the dollar amount we owed would change to between the amount of the the 2 payments they sent back to about 7 thousand more and that could happen 3 times a day ... no one has an employee number and no extension number, you can never speak to the same person twice ... very frustrating... now we are renting for 1800 a month and we are tried to stuffing someones elses pocket . we want our own home again ... we need HELP !

that guy sounds like an idiot bob cant build [censor] except enemies too bad for that [censor]

Builder BOB?, what a joke this idiot thinks he know it all and everyone else is stupid. Maybe his satellite dish will send him some programming that will wake his [censor] up! LMAO, he thinks mortgage servicing is without flaw. What a [censor], we ALL know there are lenders out there that are going out of business because of legal issues.

Don't take this guy serious, I'm sure no one else does. The computer screen is his forum to voice his twisted opinions. He thinks he is safe from all financial problems.

What do you think would happen to him if his world collapse around him?...no more post!
I don't even want to think about what he would do. It would be a sad day for anyone who cares about him.

Okay Bob. Perhaps your not a broker/loan originator or a lender. But by now you should being seeing the light that happened all across the country. Have you not read Ed Andrews book "BUSTED". Have you not seen Micheal Moores "Capitalism". Here let me help you.

http://www.youtube.com/watch?v=6khYSTqHrqM&playnext_from=TL&videos=FN8x4dxMZVE

http://www.youtube.com/watch?v=ljHjZpC7bnc&playnext_from=TL&videos=uZXpZn_PbBo

http://www.youtube.com/watch?v=_LMV5VTtX1E&feature=related

http://www.youtube.com/watch?v=yDb_Zhry-IY&feature=related

http://www.youtube.com/watch?v=0Y9A0C45KZI&playnext_from=TL&videos=utuEkFU0VgU

Sorry to ask you to read Bob

http://borrowerclaims.blogspot.com/2009_08_02_archive.html

http://www.federalreserve.gov/secrs/2006/august/20060801/op-1253/op-1253_3_1.pdf

http://financialservices.house.gov/media/pdf/110503cc.pdf

Let me know if you need more Bob. You can choose to be civil or you can choose to challenge.

I feel your pain, all of you. I was fortunate enough to find a company that is legitimate. Now I know that the banks the news and government say we shouldn’t go to any company that charges, that the banks will modify your loans for free. Well, how many of us on here have had our loans modified by the banks?

A lot have lost their homes, and lot more still will unless you do what’s necessary to save your homes from the banks. I went through what most of you have, I was there. Then I was referred to Corey Lassiter of Clear Image Financial Group. They saved my home.

I know I would have lost it to Wachovia if it wasn’t for him, Tasha, Denise and the rest of the people who work there. Got me caught up on my mortgage 1st & 2nd, lowered my interested rate & payment, and secured me a 50k principle reduction.

Before anyone else on here loses their homes you need to give them a call [protected] ext 231. Corey Lassiter. Don’t be afraid of hiring a loan modification company, be afraid of the banks, they are the ones who are taking our homes!

I know they get the job done. News and TV made me afraid to even consider a loan modification company because they are all scams and my lender will do it for free (wrong). There hasn't been not one story about a good company and when I tried to contact my local news channel they told me that my success story wasn't news (What!)

So, I am making it my mission to spread the word on this GREAT company!

You bore me Bob. And your not worth the effort to comment on. You just want to spend your days picking fights on subjects you have no involvement in. If you looking for attention might I suggest you go back to your porn sites and pay another girl or guy to talk to.

AMHSI has already had their license in Calif. pulled by the Department of Corporations as of Feb. 09. I have now turned my loan over to the District Attorney to investigate.

The only reason I can think Bob the Builder is here is because he has something to do with these fraudulant loans. If so, too bad Bob. I already turned you in.

Must be nice to be able to "go to Costa Rica" while not having a job.

Hey Bob, again your uneducated, Smug, and a pretender to know it all. I can think of hundreds of ways you'll soon be taken. How do like that state 10% tax increase dum ###. Don't forget because of all this you too have to pay back all that bail out money. But an idiot like you believes it went to a good cause. Wake Up!

Good for you Mr. SMUG- BobtheBuilder. As to when your day does come how do intend to explain your unemployment to your lender due this economic collapse. What will your recourse be.

Notified by mail of AHMSI taking over mortgage and in the letter there was no mention of there being a service charge for paying 'ontime online'! I would have sent a check ahead of time if I was made aware of this! After reading these '[redacted]s' no way was I sending a check in the mail! I have never been late and have never been charged by any of my online billing companies a so called 'ripoff service charge'! Sometimes when you pay on the phone there may be a charge, but they tell you 'pay online and there is no charge'. No, not AHMSI! They want to 'rip you off' for just a little bit more that you might need for gas to get to work and then they can foreclose because you didn't have enough money for your transportation and wouldn't that make them happy! Furthermore, it is so frustrating because you cannot email them at all under the 'contact us'! They only provide you with a phone number and a mailing address! What reputable company in 2017 does not have an email to contact them? Expect to spend at least 10-15 minutes if you call them and then you will get NOWHERE anyway! Just 'suck it up' and pay the leeches their 'online worthless service charge'. At least citi bank rewarded you for paying on time (up to 4 days) with no online charge! I don't believe this was in my original contract! I do not like to 'hate', but I do HATE AHMSI!

My loan was bought by AHMSI in January, we were in the process of a loan modification with the previous company. By the time I got the payment coupon to make a payment it was due the next day. I called to make the payment - this was on a Friday. The following Tuesday the amount showed up in my account as taking out $12, 000 - not the $1, 200 it was supposed to be. You can imagine my surprise when I saw an negative -10, 000 dollars in my account. I called (routed to India) and they assured me they would fix the problem and refund any charges I had as a result. They also assured me the correct amount would be taken out. The initial $12, 000 was refunded - after 1 week I still hadn't received reimbursement for some charges from my bank. I called again only to find out that they said I hadn't made a payment and was going to be charged late fees, and an overdraft fee for THEIR mistake. I then arranged to make a "correct" payment - which then took 5 days to post. I still haven't received any reimbursements for fees and just got a nasty letter from them saying that I owe them late fees. No one is in the states that I can talk to. I have tried calling my "loan modification" person only to get busy signals. Unbelieveable that this company can be in business.

AHMSI is a practitioner of very deceptive and manipulative practices. I was a customer of Option One Mortgage prior to AMHSI buying them. I entered into a 12 month loan repayment contract.

AMHSI raised my ARM 4 months into this deal without notice! After completing these 12 monthly payments and then making an additional on time payments was notified that due to that previous ARM change I was now 2 months behind on my mortgage? I was then put into foreclosure for this!

I attempted to enter into a loan modification with AHMSI and was repeatedly told that they either were missing needed documents or they were backlogged with assigning a negotiator to my account. This of course took 6 months to resolve. All along they were refusing to accept any monthly payment? My account was now accruing late fees, lawyer fees due to the foreclosure proceedings! This all started in August 2017.

In order for me to enter into this agreement they needed a down payment of $14, 000(including foreclosure lawyer fees) was half of my delinquency. I was turned down for this program anyway. The reason given was that my lender would not include these past due fees. I was notified of this decision on January 8, 2017. Here is the ironic twist.

On February 12, 2017 I received a Fed Ex package from AHMSI. It was a loan modification proposal! Didn't they just tell me NO? Were they not asking for $14, 000 upfront to avoid foreclosure? All of a sudden they have an offer that requires ZERO money down, a new loan at 5% and a monthly payment of under $1000? I was paying $1700 previously! They tried to push and manipulate me into getting any money out of me that was possible.

I was told by their customer service team that I should either sell my house or get a second job to resolve my situation! AHMSI also wrote off half of alleged past due balance on my account. This incident shows how this type of company tries to deceive and manipulate people into deals that are not in their best interest.

Thank goodness I had documentation of every payment I made. The lesson here is, do not give into these companies! I bought my home 7 years ago. I now have mortgage payment that is less than my original one!

Aug. 06 we had high hopes. $ 350, 000 at $64, 000 down and another $7, 000 to close escrow. I trusted my lender; I'm no financial genius. I asked for fixed at $1700 a month. He said could'nt be done. But he did say an option ARM would work by defering the interest. A three year option ARM, stated income, $4800 high yield premium. Yes I now learned this was totally bad loaning practices by my lender. I did'nt even know what defering meant just to show you an example of my knowledge.

Anyway, I'm sure you all know how this will work. After the first year, I tried listing the home but A.H.S.I. said I have a pre pay penalty for 2 years. I tried to remove it but they said no.
I waited another year and tried to refinance. But they said no. No equity left. You need to bring money to the table.

Nov. 08 I called asking for a loan modify. I honestly thought maybe I could negotiate a new loan to where I could at least rent out the home until things got better since I work construction. They said fax over your docs...I did... I waited... Dec. 1st I called. and they said I never sent anything.

Mid Dec. I got coached into a loan modification company.
They told me to stop making payments but I disagreed.
January went by while I talked back and forth with Licensed modify company and by Febuary. I thought by now something should be in the works.
Feb. 24 YES! I got a call from A.H.S.I. Some woman obviously from Inda demanding payment. I said I'm in the middle of a loan modify. I would like to check the status on my loan. She said, "As soon as you make a payment I'll connect you." I did. She hung up on me. I callled and called getting nothing but auto responses. It's amazing how when they want payment your home phone rings followed by your cell phone two seconds later.

Now March 11 I got a letter from A.H.S.I. telling me to wait 30 days for loan answer. My loan modify company wont return calls.

According to everyones articles nothing positive will ever come out of this, as to A.H.S.I. will manipulate modifying loans to their favor making matters worse. I can easily forsee that they're buying time just to collect as many payments as they can and then calculate late fees and interest to add to the new principal.

Can anyone months ahead of me give the future out come. I know it 's all negative. But I'd like to know what I'm in for.

In February, 2017, we was notified by Citi Residential Lending, that our mortgage loan was being transferred to American Home Mortgage Servicing Inc. (AHMSI).

We have experienced difficulties in making payments to this company, we have tried reaching them by phone, or sending Money Gram, Western Union, and attempts to pay on our loan at their internet site was fruitless.

I was persuaded by the representatives assisting with the Loan Modification center to allow my mortgage to become 3 months in arrears and then paid over a thousand dollars (which was more than my mortgage) and still did not get the Loan modification. Here is a portion of the hardship letter I was requested to write: “The recent economic catastrophe has affected my job by a reduction in my hours of work. I have been a customer with your company for many years and have never been late with my payment (except the time I was hospitalized in 2017). This letter is to inform you that reduction of hours on my job has caused a severe hardship in our finances. There is only one income in my family now since my husband is unemployed due to the loss of our restaurant during the time I experienced a level 4 brain aneurysm several years ago.”
After going through all this and moving out of my home which I had to pay over a year of mortgage payments while in the process of trying to get the modification, we lost over 10, 000 dollars in mortgage payments and had to settle with a “short sale” to keep from having a foreclosure on our credit report. We lost over $60, 000 in equity. My prayer is that every person who lost monies and their homes to be reimbursed for what they lost. PLEASE, SOMEONE HELP US GET OUR LIFE SAVINGS BACK. Thanks in advance for your assistance. Again, I had suffered a level 4 brain aneurysm and had to try and go back to work to save my home and after all that, I had to settle for a short sale to keep from entering foreclosure. We all should be recompensed for our troubles.

I agree, I am really tired of having to work with AHMSI. My company has 6 loans that were bought out by AHMSI. I think that there fees to pay by phone are very high, and you can never understand the person that answers the phone.

Bob the builder...Are you 5 years old? You are a nasty person and should keep your opinions to yourself. These people regaurdless of how they recived their loans (and you don't know how) are hurting. You are a ###ing ###! People like you don't deserve a voice so shut up!

Once my good loan with 30% down and fixed interest with Citibank was bundled up and sold to AHMSI, then the nightmares began.

My property value dropped by $110, 000.00 since I bought it 8 years ago. I now have no equity and can not get out from under AHMSI.
American Home Mortgage Servicing Inc. have been nothing but a nightmare.

You can not electronically pay them from a big bank, e.g. JPM Chase, or there will be a charge. Actually every way to pay, except the old write a check and put it in the mail they will charge you.

I have worked with them for 11 months on HAMP. Each time I call they lost my file, or another company took over etc. They turned me down because of no equity in my home. Good God Almighty, isn't that what the HAMP program is all about? I started out with 30% down...Yes 30% down when I first bought. I started out with a good loan, and got a fixed rate.

AHMSI should be put out of business, I could write a book.

Trust me, even if you talk with someone here (I wrote a letter each time I mailed a payment) you won't get the answers you need. My response letter was such that, we had been running a month behind on our payments and still are (due to salary cuts and unemployment) and each month I include the late fee for the month that is late. In their letter they state they are holding the 'late fees' in a suspense account and each month my late fees increase on their statement. This company couldn't perform an honest fiduciary act if their lives depended on it.

They are crooks, frauds and I'm sure much much more as I have found numerous complaints on BBB in Dallas, TX and 50 states have filed suits against them.