I was having issues with my mortgage. It was an older loan and my credit wasn't great when I first got the loan. I had been making payments since 2005 with no problem. Last year my loan adjusted and it went up. I lost hours at work and just fell behind. I found UFG and called them, spoke with Joe and he told me all they do is help people like me. I went and saw him and he promised me he could work with the bank (Union Bank) and get my loan back to the original rate. He told me he needed a check for $800 to get started and another $800 in 2 weeks before the refi happened. I borrowed the $800 and sent him a check. It took him almost 6 weeks before he finally called me, told me he needed the next $800 and it was looking good. I sent him the check and that was it. He never called me back, ignored all my calls and its been 11 weeks now. I am not sure what kind of game he is playing but he ripped me off
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