America Trust Funding Mortgage Bankers

Stay away from this company if you don't want to waste your time and money!!!

Here is my story. I sent out a 15Y refinancing request through ratesandpoints.com on Wednesday. Then I got a reply from their CEO Helio immediately with a offer of 2.75% for 15Y, with my only paying Appraisal and credit report. I accepted and called in Thursday day morning to start loan application. His/her employee promised to get me loam application package to me same day (I offered to pick up the package since I am close to their office) and then he changed to Friday and then to Monday and then Tuesday. On Tuesday morning I called and then walked in their office. After 20 minutes (at least) of waiting, I was able to talk to a "loan officer". It took 5-6 days just to get a loan application package. Surprisingly/Or not surprisingly in this instance, the package has a totally different loan term. The guy explained that the market went bad. My question is if they can not make a commitment, why promise at the first place? Actually I have been following the market. During the past week only today the 10Y notes went up significantly. Obviously I was not happy and walked out of their door. 5 minutes later the "loan officer" call me and saying basically the deal was the same as they previously promised. The difference was only $93. It looks promising. After examination of the papers, I found out he simply added the extra cost to my loan amount. How sneaky !!! Thanks God I learned Math during my school years.



Bottom line, stay away from them as far as you can. I am not an "ex-employee" or have any other relationships with them at all.

I HAVE HAD THE WORTS EXPERIENCE EVER WITH THIS COMPANY THE STAFF AND PRESIDENT ARE EXTREMELY UN-PROFFESIONAL. WHAT THEY ARE DOING GOD ONLY KNOWS.. THERE IS DEFENATLY ILLEGAL ACTIVITY GOING ON IN THAT OFFICE. THEY DONT WVEN WANT TO GIVE ME MY CHECK OF $2000.00 BACK THE AGENT HANGS UP ON U AND SHE DOESNT EVEN UNDERSTAND ANY ENGLISH. HORRIBLE!!! IM IN THE PROCESS OF CALLING CONSUMER AFFAIRS. SO PLEASE WHAT EVER YOU DO DONT HAVE AMERICA TRUST HANDLE ANY OF YOUR HOUSE SEARCHING NEEDS... THEY ARE ALL EVIL!!!!!!!!!