I was contacted by this company to see if I was interested in refinancing my hoe. They indicated that they are direct lenders not brokers which is why they don’t have an NMLS number. I asked why I can never get anyone to answer the number they gave me, not even a receptionist, and they stated that they gave me a direct number and they are always busy helping other people. They indicated that the approval would be based on my ability to pay, not my credit score, and asked for last 2 paystubs, & bank stmts. after sending that in they indicated I was approved. Then they stated that they would send a worksheet that needed to be filled out, and they would need $1500.00 to pay for the appraisal, notary, etc, I called the L.A. Dept of Real Estate, and they couldn’t find where these people were licensed and told me not to send them any money. Their company website is very generic. I’ve generally spoken to Sean Cooper, but whenever I have any detailed questions someone named Scott gets on the phone.
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These people are a scam!!!
Jul 19, 2019
Monetary Loss: $1500
My elderly father was contacted by Shaun at state street home loans. They offered him a very low rate and told him He would need to send them a check for $1500 for the appraisal, fees etc. After my father sent the money, no contact from the company. I am trying to report them to the FBI and Better Business Bureau. Do not go with this company! These people are a scam!
They called offering a lower house payment by refinancing my mom's home sent her a work sheet to fill out and convinced her to send them 1500 dollar's now they won't answer are call they are crooks and scam artist we have contacted the Attorney General
Apparently they're getting more greedy. They took myself as well as my elderly mother for 1750 each. Nowhere to be reached now, bunch of crooks. Reporting them today to FTC, Attorney General and FBI. Hopefully someone will make them stop before any more people lost money.
Kevin Baker, representing State Street called us after we submitted an online refinance inquiry. He asked for some verification docs, which we submitted. He phoned again and explained his plan verbally, it sounded good so we said ok. He then sent us the "Home Affordable Mortgage Refinance Approval" contract and the other papers for our signatures. We then submitted these signed forms with a certified bank check for closing fees $2000.00. He acknowledged receipt via email a few days later. The time line for all this activity ran from mid July to Aug 8, 2019. now there is no communications they do not return calls or E-mails..I think we've been scammed! At our age this is devastating, we are both 75, retired and only receive 1 pension check per month...
I had clicked on an add on the internet about help with mortgages for seniors. I'm 64 and spouse is 69. I received a call from Kevin Baker saying they were an internet business and a direct lender so they would not have to qualify us by credit score, but rather by income. He later contacted me that we were qualified. He offered us cash out at closing. We needed to pay off some bills so asked for 20,000. He said that was no problem. To make a long, disgusting story short...it has been 3 weeks since hearing from him and our $1600 is long gone. Now we are faced with possibly losing our home as we were behind on payments and he said not to make them or any late fees, that all that would be paid at closing. So steer clear of this scheming operation. I even went on LA.GOV and verified the business license and called the county clerk and she said it was a legitimate business.