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21 - 37 of 37 Comments Last updated Oct 18, 2012
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Miranda

Sacramento, CA

#28 Aug 16, 2010
webweave wrote:
Does any one have any information on Investors Finance HOMR Program?
We are working with them right now. mirandab@ucfinc.com
Bruce Inman in Florida

United States

#29 Aug 20, 2010
This program, from American Homeowner Preservation, is one of the best options for people who are struggling with "upside-down" mortgages and can allow people to stay in their homes. A free-no-fee-principal-reductio n is another option, but is not for everyone. Our Team can help you pre-qualify and evaluate your best options. mailto:floridaloanprincipalred uction@gmail.com
NOTE: be aware that there are scams and crooks constantly finding ways to commit identity theft and fraud ---Do Not send your personal information to anyone who doesn't fully disclose their name, location, and credibility.
Jorge wrote:
American Homeowner Preservation( www.ahphelp.com ) offers a program in which homeowners can sell their homes on a short sale, and then lease back along with a favorable option to repurchase.On average, lease payments are over 40% less than prior mortgage payments and option prices are over 50% less than prior mortgage balances. AHP charges NO FEES to homeowners and there is no assurance of success, as everything is dependent upon aproval of your existing lenders. There are many successful closings and testimonials on their website. You can apply online at www.ahphelp.com or by calling 800 555 1055.
Bruce Inman in Florida

Milledgeville, GA

#30 Aug 22, 2010
wow - I just read the "thread" on complaints board all about Principal Reduction --- many posts, mostly negative and un-believers in the idea of principal reduction. The only acceptable answer to all of them is a "no fee principal reduction" program, with no up-front fee AND no after completed fee = NO FEE. I have found only one that looks to be completely legit. email me for details at floridaloanprincipalreduction@ gmail.com
Listentome

Rancho Cordova, CA

#31 Aug 24, 2010
Whether these companies can do what they promise or not, they must be licensed in the state they are conducting business - which they are not. Guardian Group is not licensed by the Department of Real Estate in CA, yet they are taking CA homeowner's money for principal reductions. They will claim it is not a "loan modification" which is up for debate, but it IS licensed activity, because when they negotiate with the bank/lender on behalf of the homeowner, they are not yet principals to the transaction. Do not give any money to any company offering loan services, loan modification services, principal reductions, loan reconstructions, etc. until you check with your state's real estate department or department which licenses individuals and companies to perform loan services!!! Please do not get ripped off
Anti Green

Phoenix, AZ

#32 Sep 5, 2010
It's amazing how there are so many "jump to conclusions" people out there. I just learned about Principal Reduction and it's a great idea, but will it become practical. I understand any company needs revenue to stay in business, and just like Foreclosures, Short Sales, this too will take time to complete. I'm in the Real Estate biz in AZ, and it's ugly out there with negative equity. This PR idea really could be the least negative option for homeowner. It's NOT a Foreclosure Rescue and if you're in trouble, it's not for you.
Anti Green

Phoenix, AZ

#33 Sep 5, 2010
It's amazing how many people on this site don't understand when they Pay an Attorney a retainer, there's no guarantee that you will come out with the result you desire, and you're certainly NOT getting any refund from that Attorney! Other than leftover Retainer, which will magically be eaten up with $300 per hour charges. Strategic Foreclosure? 4 years negative mark on your credit before you can apply for a new home loan. Short Sale? 3 years before you can apply for a home loan. Some mortgage lates and a paid off mortgage with a new note from the Principal Reduction company's Investor.......You'll be refinancing that loan in 12 months and you never had to move out of you home. That is if you want to SAVE your home and credit! Isn't that worth a Fee??
jonathan

Temecula, CA

#35 Sep 26, 2010
Robert Rod wrote:
BEWARE!!! companies are promising principal reduction. Yes, there are companies that can get it done but most are liars and will steal your money and never do the job leaving you in an even worse position than you were before. Two notables in the really bad category are Guardian Group, AZ and Harvard and Hampton Professional Services, CA. Both of these groups also use unwitting "affiliates" to do their dirty work recruiting victims. Make sure that when you are considering any principal reduction services, or even modification that you do a little homework. Find out who it is that is actually going to be doing the negotiations, what their verifiable record is and what the guarantee is. If they don't guarantee to at least return your money if they do charge upfront fees, keep on looking. Very important, you may be dealing with an "affiliate" who is going to send your file somewhere else. Know who that company is and what their track record is as well and if it is Guardian Group or Harvard and Hampton Professional Services, turn and leave. Also look out for the individuals behind the scams; Joshua Apadoka, Luis Belevan, Brian Prehoda, and Raul Munoz and Jorge Granados.
There are legitimate companies out there. It is worth your time to do the research to find them.
that was very well put!! my name is jonathan parker and i am the representative for southern california with USPF LLC.i was in finance before i quit my job to enter into this industry i JUST lost my home to a short sale and if i would have been working for the company that i am in now i most definately would have been able to keep it and owe what it is really worth..do not fall for all these companies out there who want to take advantage of your situation WE ARE A REAL COMPANY WITH REAL ATTORNEYS working for you..my territory is all of southern california although i am located in temecula please contact me if you have any questions on getting real help and want to keep your home i will show you all of our credentials jonathanparkerccpro@gmail.com. .. look forward to hearing from you
Mark G Cooper

Cave Creek, AZ

#36 Oct 8, 2010
http://www.azdfi.gov/Final/Forms/The_Guardian...

THE GUARDIAN GROUP FUND IS FRAUD
jonathan parker

Temecula, CA

#37 Oct 14, 2010
Anna wrote:
Does anyone have any input on the Save Your Home Program through Americas Financial Solutions?
i am jonathan parker with usfp if you are interested in saving your home you should talk to me about principal reduction i look for ward to hearing from you!!!jonathanparkerccpro@gmai l.com
Bruce Inman

Clermont, FL

#38 Nov 3, 2010
Bruce Inman in Florida wrote:
This program, from American Homeowner Preservation, is one of the best options for people who are struggling with "upside-down" mortgages and can allow people to stay in their homes. A free-no-fee-principal-reductio n is another option, but is not for everyone. Our Team can help you pre-qualify and evaluate your best options. mailto:floridaloanprincipalred uction@gmail.com
NOTE: be aware that there are scams and crooks constantly finding ways to commit identity theft and fraud ---Do Not send your personal information to anyone who doesn't fully disclose their name, location, and credibility.
<quoted text>
Please contact Bruce Inman, an authorized representative for AHP at floridaloanprincipalreduction@ gmail.com for more information.
Sound girl

Philadelphia, PA

#40 Feb 28, 2011
Can anyone tell me is there is really such a thing as a principal reduction group?
Ted

Maricopa, AZ

#41 Mar 11, 2011
David wrote:
Way put Darryl!!!!! You cant please 100% of the people 100% of the time , that's a perfect world , I don't know who you are but obviously you did much research. Unfortunately we cant make everybody happy100% of the time.
I actually am very familiar with this program and YES, it is part of the Financial stability Program that the govt approved in March 2009 , for Pubic/ P rivate Funding.
Someone hasd to bail out these banks on there toxic assets which is 13.7 trillion dollars,
This is one of the greatest programs the Obama administration has pout together and most important it keep the families in there homes , its a win/ win situation.
It is real and i have been in Mortgage business 15 years and i have investigated this and yes its real and part of the financial stability program from the govt as well as part of the 1 trillion dollar toxic asset program
I am actually trying referring some clients to them and i also have a law degree and i also have colleges 4 attorneys that are involved with this and are doing it noiw for a Private Hedge Fund.
I look at it like this , if there is a way to help these families save the American Dream , as long as i have the criteria and articles are known by our Federal Govt , i am all in. i know this for a fact!!! Hundreds almost thousands of these loans are being done in the west, Nevada, California and Arizona . I have personally contacted over 10 people that have closed and the only response i received was, How happy there weer but very skeptical in the beginning with alot of communication problems due to an enormous amount of Business for these upside down homeowners, but the end result was they closed!!! that's all im need to know , the program works , But they must qualify!!!
I even seen there new Mortgage documents and closing docs and Hud, there was no closing cost!! Just 3rd party charges which is called a Pre-paid item, Title Insurance , Appraisal & Survey and a credit report WOW !! No commissions, Points , no Loan discount , back end money either. It was a No Brainer
If anyone needs to know more about this you can contact myself and i have a contact in Washington D.C, attorneys , and other organization as well as professionals that will assure you and validate what i am saying. This is Great for Families ,but unfortunately , there will be millions that dont qualify but 20 times more that due .
If you need more info im at drodri7777@hotmail.com
Dave
You write this badly and expect people to believe you are a lawyer? Who do you think you are fooling...
Bruce Lee Inman

Debary, FL

#43 Feb 25, 2012
For over two years I've been trying to find a principal reduction program that works and I think it's finally here. There is no upfront fee and the program offers a complete suite of services backed by attorneys. You can find out more at floridaloanprincipalreduction dot com and you'll find a youtube video at my "channel" bruceleeinman
NOTE: representatives needed now nationwide to help the millions of "underwater" homeowners
Bruce Lee Inman

Adairsville, GA

#44 Feb 26, 2012
2-27-12 update --- like so many "programs" out there this one did not last long -- but a few days ago I was introduced to a full service, attorney backed solution with no upfront fee -- and there is a rumor of a "Judicial Expungement" plan that removes foreclosure and short-sale from all your credit reports -- contact me if you need the services or want to share with others
Bruce Inman in Florida wrote:
wow - I just read the "thread" on complaints board all about Principal Reduction --- many posts, mostly negative and un-believers in the idea of principal reduction. The only acceptable answer to all of them is a "no fee principal reduction" program, with no up-front fee AND no after completed fee = NO FEE. I have found only one that looks to be completely legit. email me for details at floridaloanprincipalreduction@ gmail.com
Bruce Lee Inman

Tallassee, AL

#45 May 30, 2012
Current program available with two options - 1 is "Cash For Keys" with payment to the homeowner -- no equity OK -- 1 year living expense --- 2 is a new mortgage at 80% LTV based on current value -- contact me for details bruceleeinman@gmail.com
tracey

Monroeville, PA

#46 Oct 18, 2012
I don't understand how the government can empliment a program that the banks will not honor. i have been trying to get a modifacation and or hardship refi for a year. i have applied nearly 7 times. reps all have different info on the subject. they don't return calls. they have lead me to believe the loan under the harp program will close next month and it never does. This horable experience has happened to me through bank of america. i have lost my job. i do have rental income, because of the job lost i am having major financial trouble. they tell me that i have to get a job before i can qualify for the hardship program. if i could get a job i wouldnt need the program. what is going on.
tracey

Monroeville, PA

#47 Oct 18, 2012
hi bruce i tried to email you and for some reason it would go through

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