Athome Consulting Group Inc. Based at San Jose, CA is one of the major contributors in the worst real estate and economic meltdown in the history of the United States of America. This company promoted the ARM (Adjustable Rate Mortgage) which starts with a very low teaser rate. ACG will teach & train their agents to recruit potential real estate agants. Once you joined the company, the requirement is to refinance your home first. Whoever is your recruiter gets a share of the comission and so with the direct Marketing Director, all the way to the President of the company who is Edwin Natividad. You, who just got recruited and refinanced your home with the ARM program is now stucked with the low teaser rate for the next year or 3 years whichever comes first. Then, they will teach you to re-invest that equity money you just received to buy a new home or homes with zeroor little money down, apply for a loan through the ARM program again, wile they get all the rebates and commissions. Their strategy is for you to go out and recruit also to become a Managing Director in order to enjoy the benefits of getting overrides from all these commissions. These were during the good times when the real estate market was really hot. It made the NATIVIDAD clan (Edwin, Jeffrey, John) and all their cousins Charlie ABAYAN, so filthy rich they were sporting their top of the line Mercedez Benz, Ferrari, BMWs, and brag about their multiple million dollar homes during their annual conventions and seminars. During the early the real estate market was starting to slow down because the ARM loans are slwly maturing from the ones that refinanced or bought properties with the ARM program in and 2005s. Tragically, no one could stop it anymore because the in the middle of 2007 up to now, the real estate market tumbled and most of those who used the ARM program foreclosed their homes because they owe more than the value of their homes. This is a tragedy for most of the innocent "wanna be" real estate agents who got sucked in by the some licensed "blood suckers" like Edwin Natividad and his ACG Empire. They are one of the major contributors of this recession that everyone, including me and my family is now suffering. Its a very hard lesson to swallow considering so many people across the nation lost their homes, broken families, some even committed suicide! All these human suffering because of one CLEVER MAN, EDWIN NATIVIDAD, who rose from rags (brags about planting tomatoes and camote leaves in their backyard for their food) to being FILTHY RICH in a span of 4 years, by capitalizing on the ARM program through his ACG empire!!!
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