United Homeowner Advocates

The Service was great, and the food delicious I visit this place once a month.

First off i want to say that i was very skeptical of this company… i was not sure exactly who or what they were. I did not trust just any company because i have heard of scams out there but i am glad to say that i was incorrect. It was difficult for me because i was in a very bad position to begin with Chase and i paid 4 trial payments (which i heard can be between 3 – 6 months)…anyways they promised me that i would get a much lower interest rate lower than what i had which was a 3.75% and told me that all my missed payments of 7 months would be brought to the end of my loan giving me a chance to catch up. Well… after putting all of my trust into my lender which i was so loyal to and always being current for over 10 years… they went and did me dirty… once the final «contract» was received they told me that my interest rate would remain the same and that the 7 months of missed payments would be put on a second mortgage… and nothing would really change for me as promised… you can imagine the frustration i had!!!
Well after just being lied to by my owner lender CHASE, i went and called back the United Home Owner Advocates who are actually a non profit organization that finds you a LEGITIMATE law firm that has a high success rate with your actual bank. What i love about them is that they are not trying to «sell» you and just want to help you if they can, even better… if they cant find a workout solution for you they are REAL HONEST and give you good advice on what to do if your in a tough spot. (cash for keys, etc)
I ended up disregarding the contract Chase gave me and decided to go forward with this company and within a week i was able to get approved and saved $ 400 for 3 months while i was in the modification process with them.
My modification was completed in 81 days and i went from my 3.75% to 2.375 and my 7 months of missed payments were forgiven instead of being put to the end of the loan or even worse… being put on a second loan.
My overall experience was that i had no choice but to give this a shot and by the grace of God was i thankful… i do not live in california but i do come down sometimes to visit my daughter and son in law so if things didnt workout i would have stopped by but i am glad it did not come down to that