Has anyone had any success with American Home Mortgage (AMH) in avoiding foreclosure?

I would like to know how citi residential lending can transfer a loan to AHMSI while we were in the process of a loan modification. Now we have to try to start the loan modification with this new company with a sell date of 3/9/09 at 9am and they are saying we do not have enough time after they had told me that we were pre qualified for the loan modification . What do we do we have 6 children?

We tried for almost a year to remodify a loan that we could not afford. AHMSI absolutely refused to negotiate and the only representatives you could talk to were the front customer service. Our home was in foreclosure with a sale date of 3-3-09, the day before president Obama housing plan went into effect. AHMSI refused to extend the sale date so that i could at least attempt to qualify to restructure my loan. I lost my home on the 3-3-09, and the home sold for approx 100.000. My prin balance was 374.000. Tell me where is the logic in this. I want my home back. help

Does anyone have any experience successfully closing on a short sale with American Home Mortgage in the MD area? Alternatively, any experiences which didn't succeed would also be helpful info.

Looks like your mortgage lender was doing illegal things The suit is Carrington Asset Holding Company LLC, et al v. American Home Mortgage Servicing Inc., FST-CV 09-5012095-S, Connecticut Superior Court (Stamford, Connecticut). The countersuit is American Home Mortgage Servicing Inc. vs. Bruce Rose, et al, FST-CV-09-5010834-S (Stamford).

They are foreclosing on me and a few neighboors. The reason why they can't modify the loan is because they do not have the original mortgage note. They are only servicers, they can't change the mortgage. That is why. Please do not leave your homes. Only when you receive the foreclosure papers from the court you know if they have the note or not and most likely they will not. It is a long story for a comment. But DO NOT LEAVE THE HOUSE!!!!

We have also not had any success with American Home . They are impossibole to deal with we were running about 1 month behind when they next thing we got was a doorbell ring and notice of sale. When trying to negotiate with them we were given only opotions to pay over 10G to reinstate and NO possibility of modification because they are only a servicing co and the investor does not accept modification. When we tried to pay the note they would not accept it. Long story short . Who knows where we will be living tomorrow Please post and law suit info we would like to join in !!!

Some of you said don't leave the home we haven't and the papers say who owns our loan we tried to contact them and same scenario but what happens to us when it goes to sale in less than 3 weeks ??? HELP

Our loan company was transferred from Citi Residential to American Home Mortgage. They screw up every payment we make and never get it right. They continually add late fees and charges. They are not a mortgage company; they are debt collector! We must contact the media!

We are going through the same problem. we were going through a loan modification with citi residential & got approved & ahmsi took over & it's been hell since. I dont know hat to do. we have 3 children. We cant go out on the street. This company is horrible. Is there anyone out there who can sve us from losing our home? Thank you

We are a family of loan modification specialists. It's our job day in and day out to help struggling homeowners keep there homes. Foreclosure hurts everyone and with our help and dedication we will fight for you. We have 20years experience with your bank and the programs that are available through your investor. If need help don't wait for bank to call you. Contact us right away no matter what your situation is it's only a phone call. 866-544-0990 opt #2 or visit us on the web www.afscanhelp.com

hello all.i have actually had a lot of GOOD LUCK with AHMSI. I like most of you wer transferred from CitiRes to them but i have had nothing but good luck.altho its tru that the cust service reps dont kno wat they r talkin abt i bypassed them.i was traansferred to them with an 11.5 ARM and now im on a 3.0 fixed step rate program.its awesome and ill b glad 2 tell any of u how i did it.n its FREE so no worries.hit me up guys if its not 2 late 4 any of u!!!n 4 those it is im soooooo sorry!!!

These guy absolutly suck. My loan was transfered from CITI right in the middle of my modification. They raised my rate to 10.375% Charged my for insurance that I don't need. escrowed my taxes which I don't need. They raised my payment from 2,200 to 5,400 with no reason. They won't return my I called them 17 times, wrote 4 letters sent 4 emails. They won't respond to anything. They are the absolute worst company I have ever had the displeasure of dealing with. If you are not with them DO NOT even consider doing business with them. Very, very bad company !!!!!!!!!!

They committed to stopping our home from going to auction, and accepted us for modification, and released it to auction the next day. That was in mid-May. Since then we have received no written notice from them, their attorney, nor the 'eviction company' that they utilize, and yet another woman took posession of our home and destroyed all belongings left in the home (it was temporarily not occupied due to water damage, which was in the process of being repaired - in fact AHMC had issued checks for the repair work, and KNEW we were not in the house). Since May, we have received at LEAST 20 calls asking us if we want to continue the modification process, the emotional harassment is really too much. Our belongings have been destroyed, and our home is gone. I want to start/join/etc a lawsuit against these people. They shold not be allowed to continue to operate in the manner they are- it is illegal and immoral. Anyone who wishes, please contact me to join in a suit in New York. THank you

I was just notified by the secure messaging center on AMHSI's website that foreclosure proceedings were intitiated on me. I am in New York State. This company is absolute hell. You get different stories from their customer service reps as well as from their supervisors. I am scared because I am not sure if I should just pack up and leave the house or what I should do. I trust nothing they tell me because they are hellish to deal with. I'd be interested in talking about a class action suit as well.

Tom you wrote what i repeated below can you please advise how did you get around the customer service reps do you have a contact name or number you can share? Thanks!
"so no worries.hit me up guys if its not 2 late 4 any of u!!!n 4 those it is im soooooo sorry!!!
Posted By Tom h on June 18, 2009 at 01:52 AM "

I am in the same boat as most of you. This is a very difficult time for me and my family. It really is Bills or a mortgage and honestly I have finally come to peace that owning a home is not my dream but a fliping nightmare. I am 2 weeks behind and they said they were going to foreclose on me. Like that was going to make me pay them sooner. I just sent my Sen a email and hopefully he will read it and actually do something about it. I don't follow Sen Reid much but if he can help us all I would hope he would really do what he is elected to do and that support Americans. I wish you all luck.

Ahmsi is not willing to modify my loan because they said they don't have the authority to speak on behalf of the investors--how do we get around all this crap? I am several months late and worried...Help anyone have suggestions of solutions

Valerie, I wouldn't trust them even if they said they would do a modification. Also there was a comment on here saying that if you get served papers from the court that you know they have the note. That is absolutely untrue. In fact, I got served papers, went to a meeting at court with their atty present and asked for a copy of the note right in front of the court and no note. To me then the foreclosure should not even be on file. I recommend that everyone reports them to the state atty general's office and/or the State Department of Banking, Mortgage division in their states. This place should not be allowed to operate as is and I question their lending practices. I've had so many problems with even making simple payments to them.

I am getting ready to list a short sale with AMH, formerly Option One. I am a licensed agent. I have not had any transactions with AMH and am not sure how cooperative they will be. Also, my clients have already modified their loan but still cannot make their montly payments. Since they have already modified, what is the possibility of AMH cooperating for the short sale. I may be jumping the gun, cause I have not called AMH yet

They have been jacking me around for the last year... I just received an "email" from the negotiator on my account for AHMSI, formerly Option One and they stated there is no longer an investor so my modification loan process has been cancelled. I either come up with $24k and continue on with the regular mortgage payments or they will forclose!! What do I do now?? I'm so scared worried!!

Has anyone filed suit yet? How do we go about saving our homes from this shyster? Count me in for a lawsuit!

My husband and I, about a year ago got 3 or 4 mos. behind on our mortage with American home mortage servicing, inc. We had to pay around 2500 dollars which we did not have and had to borrow from a friend who we still owe to keep from losing our home. In addition, we got put on a repayment plan that brought our note from 847 up to 1303.98 per month for the next 12 months. We have been struggling to pay it but have. In August of this year, however, I only paid around 500 to 700 dollars on my august payment. I set up a plan on our budget to pay by the end of october, the rest of august\'s note, septembers and octobers note. I called to let them know and they said i have not paid since june 2010 and that is not true. I went through all my records that I can find and did indeed find my money orders receipt showing i paid july\'s note and they (ahmsi) does show i paid on augusts note. Because I pay in pieces of the 1303.98, they put the money in a miscellaneous account. I think all my money is sitting there but everytime i call it is difficult because the peop.le answering the phone are from india and there is communication issues. They are sending me as of last Friday a print out in the mail of everything i paid for the last year. I cannot wait to see this. I hope it shows where they have been posting my payments because I dont think they post them right. When i kept questioning where they put my payments they kept going back to a year ago when we were behing and they act like that is the reason i am behind now. But the repayment plan we are on and the 2500 or so we paid should have fixed all the late stuff from a year ago. I don\'t get it. The website of ahmsi shows we did make the june and july\'s payment and shows about half of augusts payment which is correct and june and july were sent in their entirety, not partial payments like i usually do sometimes. and they still posted them to miscellaneous and/or suspense accounts. Why did this happen adn how can i get it posted correctly. I am desperate here and can barely make the payment as it is. We are struggling so very bad and now my payments are not even being posted correctly. Trying to take care of this is stressful, taking time away from my new job which i must have to make these payments. They dont understand and i dont understand them. I need someone who is fluent in english as their native language to assist me.

Damage Resulting
see above - - I have crohn\'s disease among other illnesses (mental and physical) and it is extremely difficult to work. I did not get approved by disability on my 3rd try so working is very difficult; i have a lot of pain and fatigue. I can barely make the house note as it is. I dont need them to mess with me and not post the payments correctly. My life is HARD ENOUGH as it is.

OK, this is whats happening, the reason why this fraudulent company is getting away with this is simple; Everyone talks, no leave a number, there is NO CENTER, no guidance, no attack...scatter , like dust...want action? a rock must be formed. A line, grouping in states, MASSES going to the media, then from state to state ,hands held, to fight this RAPE. Many will die from the stress of the theft of their property stolen, and the money extorted. Lets make the first step, talk, launch the first attack....numbers to the media...we will have a voice if we UNITE, we will LOSE if we don't.

This company is a bunch of no class a**holes. They are idiots who don't speak English and will give you the runaround. I say stop making your payments until they help you with loan modifications. They are jacking you around and no matter what you do to cooperate with them, you will not get any satisfaction. I have sent these a**holes my information five fricking times. They have canceled my loasn modification due to being unable to contact me (according to them). This is toatl BS. I have left that incompentent (not a cuss word strong enough to describe his tter incompetence)idiot Damon six friggin' messages and he never calls me back. He is so unprofessional that it is now December 8th and his voice mail tells you that he is out of the office as of November 27th and will be back in the office on the 29th.
I am not making another payment. I am not taking their RUDE collection calls that begin every morning at 8:00 a.m. with an impersonal computer call and continue througout the day until you answer, and I am writing letters to the state of Oregon, my congressman, senator, the Oregon mortgage assistance program and I am contacting an attorney. I am pursuing a harrassment case and letting the government know that in spite of the federal aid they are gobbling up, they are doing nothing for middle class American citizens to help them retain their homes. Everyone should stop making payments to this comapny and pursue a class action suit against these SOBs.

Has anyone been able to do anything about AHMSI? They are clearly jerking people around, I, like most everyone else here, had my mortgage with Citi, was approved for a modification, and then they sold it to AHMSI. They have not been easy to deal with, the people you talk to on the phone cannot even speak English, had to start the modifucation process all over again..its been 15 LONG months...keep getting th runaround, they say they need more paper work, I have filled out the same papers at least 1/2 dozen times...I have been under chapter 13 bankruptcy for 4 years, it will be paid off in 2 months...They filed for s "stay" from the bankruptcy 15 months ago so they could do the modification under the HAMP program and I and my attorney agreed to let them out. The past few months, they keep telling me that my attorney has to sign off on the paperwork so they can discuss it with me...UGH! She did that last February, with the bankruptcy court...She has since signed them 2 more times...now thay are telling me that she is not my attorney, that *** is my attorney and that HE needs to sign...*** is the name of the firm, not the attorney, my attorney is a partner with this firm..but they still insist that *** still sign the papers...Cant seem to make them understand that *** is not a person, just the name of the firm!! Stalling tactics, Im sure. My Dad called me a couple of weeks ago to tell me that my home is listed in the paper as being forclosed on...I have not recieved any kind of legal notice to this effect. AHMSI said they "sent" it to me on March 18th...I never recieved anything but more requests for more of the same documents. My home is to be sold on May 3rd, but it has only run in the paper two times, not run in the paper the past two weeks...this is grounds for them to start all over with the foreclosure process, but they can't discuss it with me, "because they need my attorney to sign off on the paperwork" I'm sick of them, apparantly this is a huge problem with AHMSI !!

On American Home Mortage Serviving, I have faxed them at least 15 times the missing informantion which seems always to get lost. Have completed at least 3 times the whole application, sent it registered return receipt, got a letter the other day and got to start all over again. ???????