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Review 8/25/2011
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Here is the rundown:
I was late with my lender since August 2009. I tried everything and talk to everyone possible at the bank (via phone, email, walk in and mail) to get a modification, but it was just a ridiculous waste of time. I was never able to talk to the same person, they constantly lost my files and progress was never made. It seemed like no one knew what was going on. It was uncommon to hear one thing one day and another opposite story the next from the person on the other line. After much thought, my wife and I agreed that it would be worth a try to "roll the dice" with a modification expert rather than to continue wasting so much time trying to navigate through the nonsense on our own. Harvey's firm actually contacted me first, and I have to say that it is one of the luckiest calls I ever received. Harvey never promised anything except that they would try their hardest to get us a modification. I was hoping for a guarantee, but knew that trying their best is the only thing that I could really expect. So we filled out the paperwork and sent in the payment for services. Mortgage Restructuring Solutions took it from there. They updated me weekly, sent documents for approval and/or requests for information that were necessary to make progress with the modification. If I ever had a concern, I would send an email to the firm and they would reassure me with a factual update within hours. They were always honest in telling me that they could not assure me of a modification. After about six months, I received a call from our lender saying that we were getting close. Then, finally about two weeks ago we were offered a real MODIFICATION from the bank! By the way, we were very late and had a jumbo loan which has less modification options than a conforming loan. Harvey and Laura did just what they said they would do and I have nothing but good things to say about them. If you want to speak to me personally about this, please contact Harvey and have him send me an email with your contact information and I'll give you a call. They are for real.
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