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Review 10/8/2009
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Well I looked around for a long time was about to go with another service but the Parsa commercial kept sticking in my head! So in July of 09 I contacted and went through all the steps they said they could help and started the process what transpired from there originally I was happy with but then turned to a nightmare! After Paying partial retainer of $3000.00 my file was given to a Christian who may I say should really work for a Mortuary actually I thought he worked for my Mortgage Company! He was very rude stating that what Aurora came back with was basically it take it or leave it what They gave him was what they offered me 2 months earlier which really was just a forbearance I asked about that and he said that this was the program and he basically did not have time to try and do much else with a sale date 3 days away. So I am like ok. Signed all the docs that were sent and Faxed them to him and the Mortgage Company. Paid my first payment no problems contacted Christian a couple days he was like yes they received the payment no problems. September rolls around again make my payment on time contact Christian yet again takes 5 days for him to e-mail me saying yeah everything is good they got the payment 2 more payments and your good to go. Meanwhile during that week waiting I had called another person I had spoke with the first time who was always great of getting info for me and getting a hold of Christian. Just prior to Christian e-mail to me stating all was good I received a e-mail from Phil who stated that yeah they received the payments but they never got the signed docs for the forbearance! Which basically says your screwed and you have a new sale date in 3 weeks! So after giving Phil a Ear full he forwarded everything to his manager. So after being flat out lied to by Christian they give my case to a wonderful gal named Ashley who works her butt off to find a solution. I find out that there are programs to help safe homes and to see if my home qualifies the lender will do a appraisal, Great lets go. Well for whatever reason I don't qualify for that basically cause my mortgage is investor owned. Which means that not only will my mortgage not be in any government programs yet! It also means that the only thing they can do is by you time to get better income and back on your feet. That the loan terms of my Option ARM will never change ever! Wow where was this info at in the beginning! Could of saved $$$ not only that something all the other advertisers fail to mention and this is straight from the law firm and Aurora Loans. "not that I give a whole bunch of credit to either" but as I research this more and more it is true folks if you want your mortgage redone and its investor owned chances are if its an ARM forget it. Be better off hoping Obama changes the Chapter 13 laws. Anyway so now I am extremely made angry and feeling low. But Ashley was able to manage another forbearance but because I broke the last one (according to them anyway) my new one would need $2280.00 by Oct 10th oh and don't forget Parsa still wants there remaining $1000.00. So after I just scrimped and borrowed to get everything started back in July I now have 7 days as of October 3 to come up with another $2280.00 for Aurora cause they wont use the previous 2 payments I made for anything! Parsa wants there remaining retainer! Yeah right well as of today it is obvious they wont be getting that. I have since contacted aurora to make sure all was good I will pay them on the 10th and wait to see what happens come March 2010 when I make my final forbearance. SO AGAIN IF YOU ARE TRYING TO RE DO YOUR LOAN THE FIRST TING TO ASK IS 1. WHY AM I PAYING UPFRONT!
2. IS MY LOAN INVESTOR OWNED IN WHICH CASE FORGET ABOUT ? #1. IN MOST CASES NO ONE CAN HELP YOU CHANGE YOUR LOAN RIGHT NOW! INVESTOR OWNED MORTGAGES DO NOT HAVE TO BE MODIFIED UNDER THE CURRENT GOVERMENT BAILOUT PROGRAM! SOME
INVESTORS WOULD RATHER JUST FORCLOSE AND HANG ON TO THE PROPERTY AS A RENTAL OR UNTIL THE MARKET PICKS UP, YOU CAN SAVE THE MONEY YOU WERE GOING TO PAY THE FIRM AND JUST ASK YOUR LENDER. BY LAW THEY HAVE TO TELL YOU WHO OWNS YOUR MORTGAGE!"NOT THE NAME BUT WEATHER OR NOT ITS BANK OR INVESTER" AND BY LAW ANYONE WHO TOOK BAILOUT MONEY AND HOLDS MORTGAGES THAT ARE BANK OWNED HAVE TO MODIFY LOANS! LESSON WELL LEARNED! So basically yes Parsa law firm did lie and miss lead they do tell you what worried and anxious homeowners want to hear! As for me I am not sure what will happen in March 2010 hopefully I will be back to work and it wont matter! 2nd I will never pay another modifier anything upfront ever again! Not sure if I will ever see a refund! But for now we still have our home. Funny when I researched Parsa nothing bad came up back in June some complaints but I just took them at face value since the BBB still had them listed as A. My heart goes out to anyone who is also stuck with these people knowing if it was me I would not wait the 14 to 21 days there web site now tells you it will take for someone to get back to you! Call your mortgage co. Call someone and try and do it your self. After the 16th one less untrustworthy Loan mod firm will out there!
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