Complaint / Review
Advantage One Mortgage
Predatory lending and mortgage fraud, housing discrimination

I've been in my home since june i had purchased the house philadelphia, pa from the original owner in june.

In august jay sandford purchased the home, mr. Sandford[supposedly]this man has never been by the house to at least introduce himself, mr sandford finally came to the house in november and he has never been inside the house, i explained to him that the house needs at least $15,000-$20,000 in repairs[some of the repairs i started myself] and both the lead paint and the asbestos needs to be removed from the home before i'll give you any money or can you come down on the asking price or closing costs, and he said that he would make the repairs before closing time which was december

We made the deal through his broker at advantage one mortgage bernard rosenberg and a guy named terry from county reo and cora services, i told him that i wanted 30 years fixed rate mortgage, he gives a 3/1 arm mortgage and told this was the only deal he could get me and expected me to pay $13,000 in closing costs with a rate of %8.875 my monthly payment would be $1,193 and i told him thats to high and i'll go some place else,

They we're taking money from my bank account, i had to close my account to prevent this, i didn't pay the closing costs or that monthly payment that was given to me. At that point mr. Sandford started calling me several times a day leaving threatning messages on my machine which i've saved. Started having his realtor terry sit outside my home to see if i would come outside. As he saw me he would then pull off and sit at the corner of my block to call mr. Sandford,

I am a victim of predatory lending and mortgage fraud, housing discrimination wanna keep the house and continue living here and making the repairs that need to be made and then mr sandford said that i couldn't have the house because i have bad credit when i know that's a lie. People with bad, good, no credit with/out co-signer buy houses all the time.

If i do get evicted i would like all the money that i spent repairing this house back which was about $15,000.