Home Savers of America, Inc. ratings, reviews and complaints - Loan Modifications Advance Fee

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

We have received no complaints against this company.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against Home Savers of America, Inc. closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

Home Savers of America Inc. provides loan modifications and mortgage loan forbearance services.

Primary Contact:	Amer Khatib (Officer and/or Director)
Business Started:	1/1/2009
Social:

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Licensing

We know of no licensing or registration requirement for companies engaged in this company's stated type of business.

Government Actions

Agency: California Bureau of Real Estate
Description:

On April 15, 2014, the Bureau of Real Estate (“BRE”) filed a Desist and Refrain Order against Home Savers of America, Inc., Amer Khatib , Sheila Khatib, Elizabeth Galabi, Pilar Munoz, and Marisela Ochoa (collectively “Respondents”). Based on the investigation, the BRE determined that the Respondents have engaged in acts or practices in violation of California Business and Professions Code. The violations included but were not limited to: acting as real estate brokers by performing services for borrowers in connection with loans secured by liens on real property; and demanding, collecting, receiving or contracting for advance fees for performing the services.

According to the Order, the Respondents were not licensed to perform real estate broker services. The Desist and Refrain Order prohibits the Respondents from performing services for borrowers in connection with loans secured by liens on real property unless or until a real estate broker license has been obtained.

Date of Action: 4/15/2014

Comments and Analysis

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law. For businesses outside of California, please check with the agency that regulates this industry.

Other Considerations

We know of no other matter or practice relating to this company that may assist you in your consideration of this company.

Industry Resources

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Additional Info

DBAs:

NHT Law Group

Best Mortgage Solution

Home Savers of America

Websites:
There are no additional web sites.

Contacts:

Elizabeth Galabi (Loan Consultant and/or Agent)

Marisela Ochoa (Loan Consultant and/or Agent)

Pilar Munoz (Loan Consultant and/or Agent)

Sheila Khatib (Officer and/or Director)

Other Categories:

Other Financial Services

Addresses:

760 N. Euclid Street #212, Anaheim, CA, 92801

Reputation Report

Home Savers of America, Inc.

Complaints and Resolutions

Other Information