In the Month of May I was contacted by a Real Estate Money Network Representative. Her name was Latoya and she told me that they got my information off the internet because at the time I was trying to find a home because me and my kids had to move into my sister's home and I have been desperately trying move out on my own. She said I wanted to let you know that I will be able to help you get a home and I was excited because I had been searching for months.
Latoya asked for my credit information which was my social security number and I told her well I may not qualify because my credit is bad and she said no problem this is an FHA program that is funded to help people obtain housing with credit problems, so i agreed. I let her do a credit check and she called back the next day and said congratulations you have been approved for a loan in the amount of $150,000 and I said thank you what happens now and she said all I had to was pay the program fee of $385.00 I said what is this for and she said that lets us help you find a home, get you a realtor, and she mentioned I had to pay no money down and no closing cost sounds so good.
Well I didn't have all of the money upfront so she agreed to take half one week and the other half in two weeks. When I sent the first half of the money she kept in touch with me and was telling me she's glad she could help me and my family then I had to talk with the other representative Carol she took over. Carol processed the other half of my money and I tried calling her and couldn't get a response or nothing after they received all of my money. I left some you need to get in touch with me now messages and Carol returned my call. Latoya mentioned also that a loan officer would contact me concerning my loan and go over everything so that I could start looking for my brand new home.
I told Carol the loan officer never called and she gave me a number to call them a representative of Flagstar Bank answered I think her name was Linda, and she said Ms. Kitt I was trying to call and I said yes, she said I got the information from Real Estate Money and I apologize, but we cannot help you. I said what happened, and she said well we go by your credit and in order for us to give you a loean your beacon score must be 580 or better and I told her I was misinformed and she said we do have a credit repair program and I said no because that will take too long and I need a home as soon as possible.
I told carol what happen and she said I am sorry and I said well I want my money back because yall were not able to help me, and I am not using this service. Carol said we do not do refunds and I said well you have to give me my money back because I was denied so you mean to tell me I gave yall practically $400.00 for nothing and I can't get a refund and she said thats what was explained in the papers you were sent and I said no Latoya told me I was entitled to a refund if they could not help me or if I had to go some place else and they had a lower interest rate and Carol said no I'm sorry but that's not true. I was enraged because I am a single parent with three kids and to just give away money and not get any type of service in return is cruel.
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