LOSS MITIGATION GUARANTY
THERE IS ONLY ONE U.S. HOMESAVERS
Check With Better Business Bureau First!
Please be aware of "HomeSaver" copycats and frauds. We are not affiliated in any way with HomeSavers USA, New York HomeSavers, Colorado HomeSavers Nationwide HomeSavers, United HomeSavers, TheHomesavers or any other loss mitigation company taking advantage of people under our name and attempting to steal our traffic on the major search engines.
We at US HomeSavers are not intimating that all of the above are outright scams but if they will steal our name in the hope that you will confuse them for "US HomeSavers" - can you trust them with the welfare of your household and money?
WE ARE MEMBERSHIP BASED FOR YOUR PROTECTION
A company does not have to be a Member of the BBB in order for you to register a complaint or receive complaint information about that company. US HomeSavers has never had a complaint with any BBB office since it's existence and our goal is to stay that way.
When you have worked as hard as we have to establish and maintain an outstanding reputation for service and fairness, there are bound to be imposters. Please, if someone solicits your claiming to be with U.S. HomeSavers, please call us toll free and verify the person or company making that claim BEFORE you give them money.
WATCH OUT!
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Calls itself a or "foreclosure consultant." Because of bad or illegal practices, at least six states have enacted legislation that require these consultants to be licensed real estate agents or attorneys. Most of these consultants today are mostly under-educated and under-funded wannabe investors, desperate mortgage professionals or outright scams. They are taught by dubious Guru's to get the deed to your home or some other "creative" real estate garbage. Most of our affiliates are licensed real estate or mortgage professionals and it is our feduciary duty to do what is right and best for you. Period.
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We work hard to stay in compliance with all state and federal laws. We also cooperate with law enforcement every chance we get.
- Contacts or advertises to people whose homes are publicly listed as defaulted or up for foreclosure. We believe this to be a predatory practice in most instances. In some States, this practice is illegal.
Collects a large fee, hundreds even $1,000's of dollars before it provides any services to you. This is just wrong folks. If you give these guys money up front for a loan modification - well, you've been warned.
Tells you to make your home mortgage payments directly to the individual or company but has no bond or license. Again, our affiliates would never jeopardize their licenses by ripping you off for a rather small amount of money. Our livelyhoods depend on it.
Advises you to remit funds through Federal Express or a carrier other than the U.S. Post Office. Hint: The USPS will react to Mail Fraud claims faster than any law enforcement agency. This protects you.
Does not offer you proper ID and only takes cash or offers to drive you to an ATM machine. This is a scam. If in doubt, get proper ID before you hand over your money to a stranger.
Tells you to transfer your property deed or title to their company or a Land Trust they control. Never, ever sign your deed over to anyone without first consulting an attorney. Remember, you are always responsible to pay the lien, even if your "buyer" holds the deed. This is just plain bogus folks.
We are a Texas corporation with no affiliation to any government agency. Whether or not you live in Texas, if you have fallen victim to unscrupulous foreclosure consultants, please file a complaint with the Better Business Bureau, the Federal Trade Commission or The Attorney General and call us. It is our policy to cooperate with regulatory and law enforcement agencies. We will help you. Your support of US HomeSavers help us fight mortgage fraud, loss mitigation and loan modification scams.
Application and Membership Fee Refund Policy
US HomeSavers charges a one-time membership and application fee of $97 to distressed homeowners and realtors who wish to become involved in our homeowner advocacy community. Members can become resellers of our branded loss mitigation services.
It can take up to two man hours to thoroughly research and analyze loss mitigation applications for unbiased, accurate and honest homeownership retention or other foreclosure prevention remedies. We seek only to get paid for our time and effort. This also acts as a filter and screen for homeowners who are not serious about resolving their foreclosure situation.
- In every instance, applicants have an unconditional 3-Day Right to Cancel and receive a full refund of their application/membership fee.
- If US HomeSavers is unable to provide a foreclosure prevention option or options, the entire application fee will returned to applicants HOWEVER applicants can still receive exit strategy information and counseling free of charge for a full year. No one gets left out in the cold.
- Once the application process has been completed and the applicant receives agreed to budget counseling which includes options to avoid foreclosure, there is no refund. Credit card chargebacks will be regarded as fraud. Applicants agree to consult and work with the company first to resolve any issues or disputes.
- If you have a complaint, please call and give us the opportunity to make good or make the appropriate refund. If you flame us in a public forum or file a frivolous complaint, we will take appropriate action to recover any and all damages.
We Fully Guaranty Our Loss Mitigation Services:
We won't take your case or your refundable deposit unless we feel 100% sure that we can mitigate your foreclosure. All funds are placed in an escrow or special holding account account - not our opertating account.
We won't waste your time or ours. The preliminary pre qualification application for loss mitigation services is completely confidential and free o charge. There is absolutely no risk on your part.
We have instituted additional safeguards to insure that the investment needed to save your home is safe and secure. We don't take loss mitigation cases that we cannot win. We won't waste your time or money - or ours. When you participate in the US HomeSavers Forbearance Plan, YOU completely control your money. If you decide to take advantage of our deeply discounted loan modification service and if you currently reside in the subject property, we will rebate 100% of your loan modification fee if you do not receive a loan modification or forbearance ageement with you lender that leads to a loan modification.
WE OFFER THREE WRITTEN GUARANTY LEVELS
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Full Guaranty
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Partial Guaranty
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No Guaranty
If we offer you a Full Guaranty, your mortgage situation will be successfully mitigated or your money will be 100% rebated back to you with no fuss or muss.
If we can only offer a Partial Guaranty it is because your mortgage situation requires action above and beyond our normal scope of services. In this instance, we will rebate 100% of our unearned profit. You will still have to pay for services rendered.
If we offer to provide service with No Guaranty it's because there are too many variables in your mortgage situation where we feel the odds are about 50/50. You may wish to seek other options with which we can help that cost you absolutely nothing except your $97 Application/membership Fee.
The fear of losing your home is bad enough. You should not have to worry about losing your money to unethical business practices. If we take on your loss mitgation case and you get foreclosed on because of mistakes on our part, we will give you every penny of your loss mitigation back. You have nothing to lose and everything to gain. Everyone can afford professional help.
Unlike all of our competitors, we do not quote our fees until we review your confidential loss mitigation application. Much like your lender, our fee is based on your ability to pay. So quit procrastinating and get the help ou need - today. Never, ever, ever pay anyone up front when you are in a desperate situation.
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