American Home Mortgage

by Anonymous From Fleetwood, PA on November 19, 2009

by amy dye From Falkville, AL on November 16, 2009

by Kelli Randle From Dallas, TX on November 12, 2009

by reginald white From Lancaster, TX on November 09, 2009

by Anonymous From Warren, MI on November 03, 2009

by Anonymous From Walnutport, PA on November 01, 2009

by Brian Rosenberg From Pleasant Prairie, WI on November 01, 2009

by Anonymous From Lawton, OK on October 26, 2009

by Holly From Nashville, TN on October 13, 2009

My husband and I have never been late on a payment. My brother died last week and I made our payment through online bill pay to have it arrive well within the grace period. They called our house 6 times yesterday, left a message like they are a collection agency. My husband flipped out thinking that we had gone into default and I had to calm him down and tell him we are not even late until the 16th! I called today, demanded a physical address. I am contacting an attorney. It is not our fault that the stupid mortgage company went belly up. We have ALWAYS met our end of the agreement. This is pure BS. They are a collection agency not a mortgage servicing company

by Michael McGrath From Vernon, NJ on October 12, 2009

They claim to not be the bank but refuse to tell me who is holding the note.

by kristina MARTIN From Arlington, TX on October 04, 2009

They always seemed like they didn't know what was going on when I spoke to them. If you spoke to two people, there was never evidence available to the 2nd one, as to what was said with the 1st. The realty friend who was helping said it was very un-professional, and very "fishy".

by G from Tennessee From Memphis, TN on September 29, 2009

I sent a letter to the Attorney General in DC about this sorry company, where are the numbers to the CEO/CFO something is wrong when the leaders of this company have not one contact number or address.

by Anonymous From Plainsboro, NJ on September 23, 2009

I am sick with disgust and fear. We have been through modification and denied. We have sent in so many papers I can't even keep track. No one tells you anything and each month goes by and we are in a deeper hole. All we wanted was a fair interest rate. My whole check goes to the payment. i don't understand why they won't help. It seems that they want us to lose our house. Now we owe so much in back payments there is no way we can give them such a huge payment. We want to get back on track, but how can you when they won't help. A terrible company. I don't know how the people there sleep at night.

by carmen franklin From Fresno, TX on August 26, 2009

i'm so glad to know that there are so many families that can relate to my situation with these billigerant con artists i am more than willing to join a class action suit or even help get one started please contact me at foxyortmail@yahoo.com to join together and put an end to this madness.. If you dont stand for something you'll fall for anything

by Anonymous From Leakey, TX on August 24, 2009

I have a variable type loan. When the interest rates went down, I pleaded to let me my mortgage go down since I was having lots of medical bills, the company did not work with me and got more and more behind on my payments. this year they took it upon themselves to pay my property taxes without notice and that added even more to my loan. I am desperate to find some help.

by Linda Garcia From Visalia, CA on August 22, 2009

by Anonymous From Champaign, IL on August 21, 2009

to AMHSI through Option 1 which was bad enough. 11 years into mortgage. AMHSI started to escrow for taxes and insurance, when that was not in mortgage agreement. Using a little know sentence in the Mortgage that gives them the right to decide to escrow for taxes at anytime they choose. All of sudden I had an additional escrow payment, which more than doubled my monthly payment because they now said my escrow was short. They refuse to remove it. Now to make matters worse, even though they say you can make payments online, you cannot. It gives you no option to do so. It has been removed from the website. I know of one person, who sends her payment by mail faithfully on the 20th of the month to ensure that it gets there by the 1st. She has now been charged for late fees because they are not posting her payments until the 16-17th of the following month. Further they don't respond to secure e-mail. It took them over 45 days to respond to one of mine, and then it said they had received it and would respond at "their convenience." It is high time the FDIC steps in to take over these mortgages for us and place them with a lending institution that is at least respectable and not in danger of bankruptcy. How AMHSI was able to go from bankruptcy to buying Option 1 is a mystery. So just how did that happen.

by wendell stewart From Claxton, GA on August 17, 2009

sucks us goverment should run them out of the states .

by Anonymous From Grand Prairie, TX on August 15, 2009

Unnecessary harassment over insurance and failure to communicate. Tell you one thing and do another. Say they record phone calls, but have no record of calls. Shoddy accounting department. Do not apply payments to designations.

by BARBARA JOHNSON From Jacksonville, FL on August 03, 2009

by Anonymous From Chepachet, RI on July 30, 2009

This is terrible. I have called them from a western union payment place got an amount from the company, went in paid it. Call them comfirmed it and then had it returned because they said it was the wrong amount. Each person you take to gives you different answer. Whether it is in the US or in India or were ever. I have had about I'd say 15 or more payment returned. Agreement that have been not posted on line to sign that they say have. I have been charged about $5,000.00 per week for fee's that I dont know what they are for. What lawyer get's $5,000.00 per week for foreclosure fee's? This is the worst experience I have every been through for me and my family. Inever heard of any place that will not except money for payment's.

by carolyn From Barre, VT on July 23, 2009

I was switched to ahmsi by option one and had no idea i can not take this anymore my home is in foreclosure for the second time and i can not afford to pay the payment at this time they are no help at all

by Tanya From Greensboro, NC on July 21, 2009

Worst mortgage company ever! Glad to see it is not just me and some of these other posts are terrible. I agree with the poor customer service and that no one speaks english. If you ask to be transferred to someone you can better understand they hang up on you! I am looking to refinance to get out of this terrible situation. I have had several issues but my personal favorite is when they sold my second mortgage and did not notify me. I sent the payment to AHM for 3 mo before the new company contacted me to find out why I was behind! When I called AHM they told me they could see that I had payed the last 3 mo payments but did not know where the money went. Since they could not find the money they would not refund me or forward the payments on to the new company. It took them 6 mo to "find" the money and I had to call once a week to keep them on it! What a joke, stay away from them!

by Anonymous From Panama City, FL on July 19, 2009

by Anonymous From New Hyde Park, NY on July 15, 2009

This is possibly the worst company I have ever dealt with - after accepting all paperwork for loan modification, in on time, and per their demands, AND with a hold through the courts on a foreclosure option, they have nonetheless completed the auction. To add to that, there has to this date been no written notice to us of the auction completion, nor a date to vacate with all property, yet they turned the keys to the house over to the auction buyer. This was in May. As recently as this week, we are still receiving calls asking us if we want to continue the loan modification process, some say the house was never auctioned - then they hang up.. Dealing with their attorneys (Steven Baum and Associates) is equally difficult, and the "eviction department" is Jackson Associates, where no human answers the phone. We have lost everything, after being fully in loan modification, and having insurance draft checks still active for repairs on the house. I want to put together a class action suit. Please contact me if you are interested. ltlboo1@yahoo.com

by Anonymous From Rogers, AR on July 14, 2009

by Chuck Wilson From Fort Worth, TX on July 11, 2009

by jessica raines From Claremore, OK on July 10, 2009

they have not kept proper records on phone conversations and payments since they have been the holder of the mortgage

by Anonymous From Petersburg, IN on July 06, 2009

by Marline Shoe From Camano, WA on July 01, 2009

They aren't always willing to work with us. We used to be able to make partial payments but that has since stopped. They are impersonal and repeat our information back to way too many times. We applied for a loan modification and received no written or verbal correspondence from them at all. I had to call numerous times and after several months was told over the phone that it was denied. The customer service rep had no clue why and said he had no way to find out.

by Anonymous From Caseyville, IL on July 01, 2009

Very impersonal, not service-minded, and not in the business that they should be in. Mobsters and criminals seem to display more honor and respect than this company.

by Elaine DeLeon From Lathrop, CA on June 23, 2009

They are unwilling to help us

by sheree boyd From Hampton, VA on June 22, 2009

by robert kelly From Marshalltown, IA on June 16, 2009

by Anne O'Dell From Saint Johns, MI on June 16, 2009

When you call for help you get a guess instead of an answer. When you call back, they have no record of previous phone call or what was said or you get told something different.

by Anonymous From Powder Springs, GA on June 10, 2009

Go to Walmart, send in whatever you can using Walmarts bill pay system. They more than likely won't send it back. This way, you won't have to talk to the indians at all and once a payment is accepted they cannot say you didn't pay.

by Anonymous From Indianapolis, IN on June 10, 2009

by Anonymous From Phenix City, AL on June 06, 2009

by Anonymous From Upper Marlboro, MD on June 03, 2009

Lack of communication on their part. I have been trying to contact someone and all I get is automated calls or call centers who read from a script.

by Bobby Uherek From Brighton, MI on June 03, 2009

by lisa thomas From Mobile, AL on June 02, 2009

by Anonymous From Alabaster, AL on June 01, 2009

by deanna snoe From Huntsville, TX on May 31, 2009

our mortgage company is evidently based in India, you never get any one that you can understand, they offer you these repayment plans that add $400-$500.00 a month to your monthly payment, they expect you to pay more when you are struggling then to pay the amount due already!!!! they demand payment and will not listen to your hardship, they don't care.....i would not recommend them to anyone....EVER!!!!!!!!

by James Lamaster From Mineral Wells, TX on May 27, 2009

by Anonymous From Staten Island, NY on May 27, 2009

by Camilo Rpodriguez From Staten Island, NY on May 26, 2009

by Dewey Graves Jr. From Michigan Center, MI on May 25, 2009

by Anonymous From Savannah, GA on May 23, 2009

by Rhonda Smith From Humble, TX on May 22, 2009

by Anonymous From Humble, TX on May 19, 2009

by Anonymous From Westminster, MD on May 18, 2009

OMG!!! This is the worst company that I have ever dealt with. They have my mortgage so messed UP!!! If there is a CLASS ACTION SUIT AGAINST THEM COUNT ME IN!!!!

by Jennifer Thomas From Mogadore, OH on May 17, 2009

by Casey Hale From Rome, GA on May 13, 2009

by FEBRA MCGUIRE From Leeds, AL on May 13, 2009

Do not try to help with loan modification and customer service people do not speak very good English can not understand what they are saying. Put you on hold for longer than 20 minutes each time you call.

by STEVEN FISHER From Adelanto, CA on May 12, 2009

NOT REALLY SURE BUT THEY HAVENT DONE ANYTHING TO EVEN TRY TO ASSIST ME WITH MY PROBLEMS

by Andrew Finnigan From Spokane, WA on May 06, 2009

I really don't know. My mortgage was transferred to them in February.

by Anonymous From Renton, WA on May 06, 2009

ahmsinc is a debt collector. you might be surprised to see who owns your account. i sure was.

by M Dominguez From Miami, FL on May 05, 2009

These crooks are withholdong monies paid by our insurance company on a claim for damages in the home. All the work has been finished, and they refuse to send someone to veryfy the work being satisfied. They keep giving the run around saying we have to provide them with copies of the checks front and back for all the payments we had to make on our own because they would not disburse the money. We had to get a loan to cover all these costs, and now AHMSI won't pay us the monies from our insurance company. (they don't even have anything to do with our insurance company) but the check for the claim was sent out under our name and theirs, so I guess they think they can just keep our insuarnce claim money? Customer service sucks. They are ALL TERRIBLY RUDE. The authorities should do something quick and save us all from this SO CALLED COMPANY.

by Jennifer Thomas From Mogadore, OH on May 05, 2009

by Anonymous From Bay Shore, NY on May 02, 2009

We have been in our home 43years, definitely would like to keep it. Praying things will work out.

by Anonymous From Temple, TX on May 01, 2009

It is like this company wants me to go into foreclosure. I do have a job. It is secure. My income is down but I can make payments and if someone could help me I am in OK shape. I do not want to lose my home!

by terry johnson From Hercules, CA on April 30, 2009

i need to get back on my feet

by renee owen From Clinton Township, MI on April 30, 2009

I just wanted to pay the amount owed to get me out of foreclosure today and they told me that it will take 72 hours for me to get the total I need to pay.

by Karen From Chicago, IL on April 26, 2009

I have been a customer of this company for 3 years. I never had any problems until June of 2008. I have 2 mortgages with them. If I send a payment in early and it is not within "their window" my payment gets posted directly to principal and not to principal, interest and escrow. I have to call the company monthly. My payments have posted to the my other account. I had to send more money for my escrow. I sent the money, then they never recalculated my monthly payment. I keep getting harrasing phone calls asking for the amount that I am past due. I told them I would like to sit with someone and go over all my payments for each month and find out what was reversed. I told them I wanted to speak with an American, but I can't call during the day because I do work, and this will take hours to go over. They said I can call on Saturday and ask for an American. I called just this past Saturday and guess what? No Americans work on Saturday. I don't have the patience for this, however I am not going to let them defeat me! I asked if there was an office I can walk into, was told no, there is not. I have threatened them with a lawyer. I make my payments every month on time. I am not a customer that is having difficulties making the payments. I wish it was as simple as moving my accounts to another company.

by steve mcnames From Las Vegas, NV on April 26, 2009

this company needs a major lawsiut against them.they are rude,dishonest and impossible to work with,i had a loan mod, my house payment went so high i cant make it,i called, all they want is the money,i owe 210 on a house thats worth 89!they can have it up there u know what! file chapter 7 on them!!!

by Anonymous From Davisburg, MI on April 24, 2009

by Anonymous From Marcus Hook, PA on April 20, 2009

by Anonymous From Louisville, KY on April 19, 2009

I must agree that it has been challenging trying to carry on a conversation with the customer service reps in India, but I have found that you must make it clear that you are requesting a loan modification, and press hard on that point, and only then will they get you moving down the right path. It is obvious that they do follow some sort of script, and that is why they ask you the exact same questions every time you call, even though they have certainly documented your responses to those questions from the last 10 times that you have called in. There seems to be a whole bunch of different departments in different areas of the country, and the trick is getting your request submitted to the right department. One helpful hint is to request to speak to a customer service rep in the states, if you are having trouble communicating with the rep in India.

by Deborah Contreras From Yuba City, CA on April 15, 2009

by Lee From Pawleys Island, SC on April 14, 2009

Ditto: Made December payment and ahmsi credited to emc Bears/Stearn They promised 10-15 day fix. 10 letters later no resolution. Have filed complaint with FTC @FTC.gov. Have new commitment to fix. Will be surprised with any help. They screwed up escrow account raised payment by $200/ month. Once again will resolve quickly. Don't believe them if you can understand the customer NO SERVICE dept. Try the FTC route. Pronto

by Anonymous From Bradford, OH on April 14, 2009

I never knew they held my loan. I have been trying to work with citi mortgage with no response.

by Jane From Houston, TX on April 10, 2009

We too have paid our mortgage when it was with Citresidential, at times we were a little late until we set our payments on EFT straight from the bank. Then the servicing was sold effective 2/13/2009 and we were told in aletter from Citiresidential that they would not deduct the payment in February so we withdrew a bank check to mail out, but then citiresidential did attempt to deduct Feb and it was declined. We never received anything from AHMSI until 3/20 saying that we owed for Jan, Feb, and March. We contacted them and advised that Citiresdential received Jan payment and also advised that we did not make February payment, but we did mail it in. We are currently running 1 month behind due to another issue, but AHMSI still has not credit January, we have sent them documents from the bank showing the January payment was made, but now they want a copy of the front and back of the check. Fine except there is no check it was EFT. I have contacted an attorney. I told my hsuabnd that we are not playing this game, especially since there are so many complaints on this company. I just want to have them foreclose and be done with it. After reading some of these stories I feel that we are wasting our energy and will lose the house regardless of whether we paid our mortgage or not.

by Anonymous From Graham, NC on April 06, 2009

by Anonymous From Lebanon, OH on April 06, 2009

by Anonymous From Sitka, AK on April 05, 2009

jdobler. 90% of you are losers. You signed contracts for these properties to pay X amount for X of time period.It is hard to beleive that a property in citrus heights Ca could be bought for 112K. Great price winner, Don't tell you owe 300k now because of this loan.This is B..S to others who have legit gripes.Go to your grandma.

by Crystal Gorman From Palestine, TX on April 02, 2009

I want to file a lawsuit. They are systematically ruining my credit, my financial well being, and my family life. Please help !!!

by Ken Smith From Plano, TX on April 02, 2009

by Anonymous From Groveport, OH on April 01, 2009

I'm trying to have my loan modified. They offered me a 9.62% ARM with a $1700 a month payment. This is worse then my payment was before! I'm shocked! They are very rude. They act like they could care less if you loose your house or not. They DO NOT want to help at all!!!

by Anonymous From Kent, WA on March 30, 2009

This is a horrible company. I wouldn't wish my experiences with AHMSC on to my worst enemy. All of thier call centers are in other contries where speaking and comprehending english is not required.

by Anonymous From Winchester, VA on March 29, 2009

Our home was forclosed by Option One 12/07. We opened the loan in 12/05 and w/ 2 yr arm which kicked in. Our plan was to refi before the arm kicked in but as we all know values plunged and we owed more than the house was worth. I was so tired of calling customer service in India and told " can you pay the $$$$$ today?" I called atleast once a week and ended up screaming at them to connect me to someone in the US. A couple of times I was transferred but was told " I needed to help myself" and was told by a supervisor "why did you sign the loan?" I tried everything from deed in lieu of foreclosure, short sale, add the past due amount to the end of the loan, borrow & you name it. I truly have a novel (so to speak) from all the paperwork. We lived in our house which we built for 13 years and never thought I would lose my home over a mortgage company who was not at all willing to help! I just wanted to keep my house I wasn't trying to get out of paying. It is very devistating to go through and I hope they get what they deserve.

by Kevin Walker From Raleigh, NC on March 27, 2009

I spoke to someone in february about making payments on my account. I set up a payment and asked if they were going to send my account to foreclosure, and the gentleman said no. 2 weeks later my account is in foreclosure and thats why I am asking for your assistance.

by Melissa Mazzacano From Fox Lake, IL on March 26, 2009

by Laura Cross From Milwaukee, WI on March 26, 2009

I have called back numberous times and no help. Never rcvd anything in the mail all of sudden got letters from local attorneys saying my house was in foreclosure. Shouldn't they notify you of this????They never help and I always get someone in India or foreign country that obviously reads off of a script and does not listen to what I am saying or asking. They said that there is no way my loan can be remodified and said is there any thing else I said yes I want to speak with someone in the US to get this resolved and they said there is no one. They are full of it there has to be. Not only that with their inaccuracies they have ruined my credit. PLEASE HELP ME GET AWAY from the people so I can start to restore my credit and get back on track

by K From Gilbertsville, NY on March 25, 2009

This is the worst, most nightmarish company I've ever had the misfortune to deal with. They bought out my former mortgage company. I've always had direct withdrawal of payments, never a missed one, excellent record, etc. Suddeny they sent me a check for $4500 in Feb 09 because my escrow was too high and a few days later, a notice that my monthly payment was reduce to $660, much lower than previous one which I'd thought was too high. Then a week later I get a letter that my payment was now $1300 because my escrow was overdrawn! They just sent me a $4500 escrow check! Calls to the company yielded nobody except someone with a thick Indian accent who hung up on me. So, I refinanced and got a new mortgage company. In the middle of this, a couple weeks ago I got a call that AHMS hadn't paid any of my 2008 taxes!!!! Aha, that's why my escrow was so high!!! Thank god I was already switching away from this nightmare, but of course, this cost me finance charges and late fees and not a few headaches. Somebody needs to shut this company down - what they are doing is unconscienable. American Home Mortgage Servicing was a nightmare company for me to deal with and if anyone asked my advice, I'd say don't get a mortgage with them - if you have one now, refinance and get away from them because once they make mistakes (which with me they made many through no fault of my own) you have absolutely no way to correct an error that American Home Mortgage Servicing makes. Why hasn't a state's attorney shut down American Home Mortgage? Why are they still in business and judging by their website still soliciting new business? As one of my third world friends said, this is like what happens in really poor countries, not the United States.

by Kenneth Haskins From Rio Vista, CA on March 25, 2009

I have been writing them at least every two weeks for the past 3 months. They have responded a couple of times but mostly jibberish and threating. I received one letter with a proposal to reduce the payment but they added several thousand dollars to the mortgage and of course that was not the relief we were looking for. Also, the person I spoke to today did not speak good english and was very threating.

by Allen From Orangevale, CA on March 24, 2009

I was able to get a loan modification from these people signed this month. I have a house that I payed 485,000 for and used two different loans to purchase it. My loan has always been with AHM. My orginal payment was 1940.00 on the first and 1524.00 on the second. My new payment is 933.00 on the first and 606.00 on the second. That is a 2000 dollar drop. I had to push hard to get it, but don't take no for an awnser. My first is set at 3% with 70000 of the loan deffered (not forgiven) for about 20 years. The second loan is set at 2% fixed for 30 years. Took long enough.... But they got it done. Dont take no for an awnser!!!!!!! Ask for the loan modification department.

by Anonymous From Monroe, LA on March 21, 2009

AHM is the worst company that I have encountered. Each time I call the loss draft department to simply get the insurance checks signed, I get a different person who gives different information, such as "stop payment on the check with Citi Residential's name because we will not honor it" or "We will honor the check made payable to Citi Residential". I have stopped payment on insurance checks 3 times and haven't received my money yet. It has been over four months.

by BenG From Crosby, TX on March 20, 2009

AHMSI is controlled by WL Ross & Co. Contact Christine Sullivan at 1-949-790-3600 x35204 and let her know how they're treating their "customers".

by BenG From Crosby, TX on March 20, 2009

CitBank sold my loan to these crooks. They have not credited my account for a payment but have cashed my check. I have provide proof of this to them and am being stonewalled. YES, I WILL JOIN IN A CLASS ACTION!

by Rebecca Bates From Grand Blanc, MI on March 16, 2009

by Paula From Garland, TX on March 16, 2009

Is there a rating worse than a 1? This company deserves it!

by walter williams From San Antonio, TX on March 14, 2009

by Paula From Garland, TX on March 14, 2009

Is there a way to make it a negative rating?They outright stole my house! We were in loan modification with Citibank(who are just as bad) when our loan was sold to these bastards. We had to start over with the modification with their paperwork. They assured my attorney that things were going well. The next thing we knew we got a notice to vacate that they had foreclosed and never had any intention of modifying our loan. They also rudely told us to never call again. We are still in shock. They made sure the taxes were paid and sold it with no notice. The state and government need to be aware of these crooks and shut them down before someone shuts them down. Because of these bastards, 3 very handicapped kids are out of their home and having to live on the street.

by estela morales From Brooklyn, NY on March 12, 2009

the worst a h m s i

by Judy Clark From Upton, KY on March 09, 2009

by Anonymous From Sacramento, CA on March 07, 2009

by Amanda Graham From Daleville, VA on March 06, 2009

by Anonymous From Fort Worth, TX on March 04, 2009

I was previously with Option One, this is our second home, I guess you call this an investment home, I had a 11.9 arm, it was up in Feb, 2009. Try to get a modification, but was declined, they said for no reason, they just stopped giving Mods. The good news is my interest will be lower at 8.? percent, starting in April. When you do a mod they do accept automatic payments from your bank, which I did not know, so I was being charged the late charge. Which I called to take it off, well I was connected to India and they went on to explain to me what my procedure was to write a letter and so on. I decided to ask for someone in the USA office, they transfer me and the late charged was taken off. But if I try again you have pay your monthly payment thru certified funds? Just letting you know this info, I guess to always try to ask for someone in the USA. So, I still trying to find someone to refinance this loan at a lower interest.

by Delayne Marquardt From Crowley, TX on March 03, 2009

by Harriett From Bryan, TX on March 02, 2009

Every entry is a part of my experience with AMHS, Inc.

by frank From Bridgeport, CT on March 01, 2009

just got transferred from citi residential .all these comments are scaring the hell out of me. already have had a bad experience. asked for a fax number to fax my home insurance bill which is due in 2 weeks.fax did not go through REPEATEDLY and i called the fax line as a regular phone call. did not get the high pitched tone of a fax number-just a regular ringing tone with some type of clicking noise

by dawn godsey From Norridgewock, ME on February 28, 2009

by Melissa Edney From Mount Pleasant, SC on February 27, 2009

I paid them on time every month. They sent my end of year interest statement and they shorted me thousands of dollars in interest that I could write off. I cant file my taxes without it, and no one there will help me. I have contacted the FTC and I hope someone will sign me up when it is time to get a class action lawsuit together. They got paid on time, and now that it is tax time they are preventing me from getting thousands in deductions that I have earned. I faxed everything to them. Many times I called and they cant even find a record of my loan! They sure didnt have any problems accepting my payments. Thank God I was one of the lucky ones who was able to refinance with another lender. They are very rude and dont care at all. I dont think they have a clue. Its clear to me that they are given a script. mle1119@gmail.com is my e-mail if anyone has any advice for me.

by OD From Littleton, MA on February 25, 2009

CITI 'transferred' my mortgage to AHMS. I called twice and every time I had a terrible experience. I was behind in my mortgage 1.5 months with CITI. Last night AHMS told me I am behind 4 months - and the money I have paid in the last 2 months are not applied to any month payment (they are in a suspension account). I asked why - no explanation. I also discovered they added over $6200 as 'outstanding interest' onto my loan. I cannot get any info what is the outstanding interest and why the suspense account!! The customer service reps are all in India (every single one of them). They ask the same question 2-3 times. I had to spell twice simple words like 'Bruce'. Just unbelievable unhappy with these clowns who claim they provide 'service'?? I am looking into hiring a lawyer. I think AHMS are up to no good and i think the service reps in India have no clue (maybe they are paid 0.5 dollars an hour). In the name of old profit lets create jobs in India while Americans are loosing their jobs and homes and lets not train the India service reps 'cause is expensive. There you have it summ of AHMS. Can we all sue AHMS?

by Anonymous From Bartow, FL on February 24, 2009

We were just recently switched over to American Home Mortgage. we were previously with Citi Residential. Before being switched over to Amserican Home we were in the process of getting a loan modification approved. on Feb. 6, 2009 , four days prior to the offical swtich, I was told that all needed to do was to contact American home and advised them that the loan modification has been approved by Citi residential and for them to foward the necessary paper work. Needless to say I called and was told by Chad Sathoff x43313 that even though it was approved by Citi Residential I still would have to go through the exact same process with them and that it can take another 30dys. He advised that he also needed more info. when I advised him that I was disappointed and felt that Citi residential was setting me up for them to take my home. He advised that this was not the case. I advised Chad that I have read some really bad stories about their business practices, and this is when he became rude and told me that the stories were not true and that there company was own by a particular business owner whom i never heard of. I told him that i was going to be documenting every phone call and person's name that i speak with because I do not trust him.

by nance shultz From Marion, PA on February 24, 2009

I was with Citi Residentail, they just sold it to AHMSI last week, so I do not know much about new company

by Kim From Jacksonville, FL on February 23, 2009

My loans (I have two) originated with Option One and are now serviced by AHMS. I have been in home for 2.5 years and have never been late on a payment, however, my interest rates are very high, I was refused re-fi after the two-year prepayment penalty period was over due to reduced home value, and I have had a reduction in income due to job layoff (I found another job, less pay). I have had to deal with those that do not speak English well, but not often, as I have rarely had to call…it is aggravating though. When AHMS initially took over my loans, they would begin calling on the 2nd of the month because I always pay via the Internet on the 16th, but when I explained that to them they said they would stop the calls that came between the 2nd and the 16th…and they did stop. Last Wednesday I sent in an application for loan modification and they called me first thing this morning, Monday…just days later and extremely nice, not rude at all. So far, I do not have any complaints against AHMS.

by Anonymous From Fresno, TX on February 23, 2009

DO NOT CARE IF PEOPLE HAVE LOST JOBS.

by Anonymous From Lubbock, TX on February 20, 2009

I agree. Very difficult company to work with. They "sent" my tax monry at the end of dec. I got another company to refinance my home, but couldn't close because the tax office did not receive my payment. I now have penalties added to my taxes. Tried calling AHMSI tax office and was told I could not talk to supervisor nor could they tell me who was assigned to my case. They said private information. It's MY account. I called some of the reps. on this website. I got a call back from one man. I thought he was helping me, but apparently didn't know much about the repayment. I am waiting for a new check to redistribute. It was sopose to be overnighted by UPS. Not there. I think I am being scammed.

by Daniel Davis From Fountain, CO on February 19, 2009

by Anonymous From West Milford, NJ on February 19, 2009

They state that they will work with you and then turn their backs on you.

by DONNA KIRKPATRICK From Independence, MO on February 17, 2009

unsure since they just bought the loan from citibank the 12th of this month

by Anonymous From Columbia, SC on February 17, 2009

by kim medlock From Mexia, TX on February 17, 2009

by Anonymous From Bourbonnais, IL on February 17, 2009

Previously Option One

by Anonymous From Waldorf, MD on February 17, 2009

No one is on the same page, and when they call they never seem to know why my payments are late. Even though I have submitted several paperwork explaining why I was late.

by Anonymous From Crooksville, OH on February 16, 2009

was sent to them from citi financial tried all month to pay house payment am not behind or not late on payment but they are telling me that in order to make payment online i must pay the late charges which i do not have they are very bad to deal with

by Anonymous From New York, NY on February 13, 2009

Unbelivable poor customer service. I think they make up rules as they go along. A major scheme seems to be to collect escrow and then float money by paying your property taxes late.

by jerome walker From Hackensack, NJ on February 11, 2009

by Anonymous From Brooklyn, NY on February 10, 2009

by archie loughrey From Hutto, TX on February 10, 2009

by archie loughrey From Hutto, TX on February 10, 2009

by Anonymous From Woodbridge, VA on February 07, 2009

by Anonymous From Plant City, FL on February 07, 2009

We tried for help with AHMSI but they wouldn't help!!! It's ridiculous!! You think that they would try to help you considering you're paying them, but they won't. All I can say is if you work for AHMSI I pray that you do not have a mortgage through them!!!!

by Anonymous From Fort Worth, TX on February 06, 2009

We, too have an ARM that is fixing to come up this month, they cannot seem to help us, other than write them a letter wanting a low fixed rate. Our rate is 11.9

by ForeclosureUSA.wordpress.com From Gilroy, CA on February 05, 2009

We are facing an increase in our rate when our loan resets. Our home is worth 30% less than what we owe on it. We tried to get help from American Home Mortgage before we have any problems. We were told that we would have to be in default before they would consider anything. We wanted to protect our perfect credit and be proactive. We are now running out of time and not sure what to do. I am so sorry for all of us here who are in these situations. You all are in my prayers. I am posting your comments on my blog at: ForeclosureUSA.wordpress.com. If you have any updates to lawsuits, your personal situation, or any other issues with this, PLEASE post a comment to my blog. I am trying to get the word out about what is happening to us. God Bless all of you!!

by Linda Spiller From Saint Petersburg, FL on February 04, 2009

This is the worst company I have ever had the nightmare to work with! I am harassed monthly, and have been charged $7000 for flood insurance that my condo has, and we sent the flood document 12 times by fax. I asked them to notify me when they recived it , they never did! Funny, my insurance agent faxed it and verified that it was recieved. I am contacting the F.T.C, the attourney general, and consumers affairs, not to mention my representatives. I may have to file a lawsuit, and would love to join in a class action lawsuit!Do not do business with this company under any circumstances!

by Marva From Boston, MA on February 03, 2009

Oh God, CIti Residential Lending just switch our mortgage with AHMSI, after reading all the comments I'm scared out of my mind since we are already behind on our payments. Maybe that was why Citi was so patient because they knew that they were switching companies. Lord, help us all, with all the bailout money that Citi got who is going to help us?

by Ernest Perkins From Chesapeake, VA on February 01, 2009

LOST A SHORT SALE OFFER BECAUSE OF SLOW RESPONSE.

by jeff From Fort Lauderdale, FL on February 01, 2009

This is the worst company to deal with.Its a crap shoot to get someone one the phone that you cn understand.i hope they lose their license.they SUCK

by meesha From Westland, MI on January 30, 2009

This is truly the worst mortgage company I have ever delt with. I have spent countless hours talking to people that are iunable to answer anything that does not pop up on a screen in front of them. I finally said screw it take the house, I can not deal anymore with you people.

by Ellen Gilbert From Denver, CO on January 30, 2009

Every post is absolutely correct and I read each one. I have had similar problems with customer service. My home is not in foreclosure nor am I behind in my payments, I am just trying to refinance the 1st and subordinate the 2nd. Both loans are serviced by AHMSI. I'm not sure they are the note holders. Does anyone know how to find out this information? There is a lot of valuable information in these posts - phone numbers and names, etc - for people and/or businesses that I can file complaints with. My thanks to all who gave this information. I have some for you - customer service supervisor Toni Thomas (male) his fax number is 866-253-6392. I originally thought he was in India however when he called me back it was from a '949' area code. I couldn't get the rest of the phone number. I think once I complained long and loud enough, the customer service center in India, transferred my call to the Irvine, CA office. I will participate in any class action filed against this company. I'm praying for this company and for all of you.

by Eric From Royse City, TX on January 29, 2009

This complany started chearging me for taxhey said they paid when I caught it they said they would fix it neerly 4 weeks later they are still charging me the escro and havent refunded my money yet. I spent all morning on the phone with them today and all they have to say is we are working on it. THIEVES!!!!! GIVE ME MY MONEY BACK

by Cherry From Arlington, TX on January 25, 2009

TERRIBLE! They arent willing 2 assit u @ all just want 2 c how much they can increase ur pmts.5% mod.is a freakn joke.Do not fall for that ScAm.Customer Service sucks.People in India do not speak well.The reps @ the Irving,Tx.location is horrible.Beware and get names when speakn with them. Good Luck!

by Scott Reiber From Glen Burnie, MD on January 25, 2009

The ability to have another assume your loan is not a guarantee, but rather an option that needs full approval (or disapproval) of the lender to undertake. It isn't an automatic right.

by Anonymous From Winnie, TX on January 20, 2009

I realize it is not their fault we got behind on our payments but I believe Option One scammed us and knowing that AHMS is just a partner with them burns me up. Every one should get together and put a stop to their crooked practices.

by Anonymous From Winnie, TX on January 20, 2009

Please notify me of any class action lawsuit pertaining to this company. We also have been scammed. We bought a home for 112,00.00 and now owe over 300,000 for it. Something is wrong with this picture. Email is holton928@msn.com

by Deborah Womack-Hollingsworth From Citrus Heights, CA on January 19, 2009

When our son was diagnosed with cancer and had no medical insurance, we called to get some help in reducing our mortgage payment, and they would not assist us. My husband and I called several times and spoke with different individuals. finally when we were first in foreclosure we were told the only way that we could save our home was to claim bankruptcy. Within two days of filing bankruptcy to save our home, I lost my job that I had been working at for over ten years. We contacted our mortgage company before the first bankruptcy and they did tell us that we would have to come up with was $23,000.00 so that we wouldn't have to claim bankruptcy. This was an impossible amount for us to come up with. This was only after 5 months of no payments. Even when we wanted to make a payment of the $2,768.00 they denied us unless we paid the entire payment that we owed. The mortgage company did not work with us and did not care that we were doing everything in our power to keep our home. We had also signed on several different dates the free signature card that if you lose your job or your spouse dies that your mortgage payments will cease until you get another job, or your house will be paid for if your spouse dies. My spouse did not die, but I did loose my job, went to school for Mentor's and began working 3 months ago. Please help us!

by Anonymous From Kent, WA on January 19, 2009

Everytime I have called in regards to our mortgage, I end up speaking to someone in India. I have NO problems with anyone from India. BUT when I am trying to resolve money/mortgage issues, I need to be able to speak to someone who can comprehend the conversation and is able to speak beyond the 'script' that they have been given. I would NEVER in a million years recommend this mortgage company to anyone. Not even my worst enemy!! No one deserves the treatment that we have put up with from this company. It's unbelievable!! The website states that the 'home retention team' is: compassionate, well trained, experienced and willing to work with people. The people that I spoke with hardly spoke english, did not know what the home retention team was and told me that before AHM could do anything to help me, I had to be more than three months behind in payments and in forclosure. That just doesn't make sense. Especially when on the website it states that you should contact them as soon as you know there's going to be a problem paying your mortgage. What a joke!

by MAK From Atlanta, GA on January 18, 2009

Please contact me if you want to join a lawsuit against AHMSI.. unckee@yahoo.com

by Monika Landre From Austin, TX on January 15, 2009

Everybody needs to complain to their respective Attorney General and make enough noise only then will the complaint be heard. Do it now!!!!!

by Linda From Medina, OH on January 12, 2009

To the Person that Wrote about Assumable Loan. I spent 1 yr trying to get someone at AHMSI to give me some answers about my Assumable Provision. I wrote to the address in TX first. And waited. Months went by. I was then given 3 diff. dept.s to fax to. Finally, I was told I needed to fax the Resolution Dept at 949.790.8505. Now I got a letter statingAHMSI is not a Loan Originator & does not process loan assumptions. I called & spoke to Shamshad. I asked if it was because I was no longer with Option One & she said Optin One was not in the business of Loan Origination either. So, why did they lie to me in my Truth In Lending & state it was An Assumable Loan? Not to mention for the past yr. They have applied mysterious fees, sent me letters about other peoples accounts & even my newest letter has the wrong account number on it. I am going to seek legal help. I say we all get a class action suit going. Also, all write to Obama & let him in on this.

by Terry Gaston From Mobile, AL on January 12, 2009

by Anonymous From Los Angeles, CA on January 09, 2009

Yes, AMHS has been rude and not helpful. I was told that it was more profitable for them to foreclose or do a short sale because they have insurance. What a shame the the govt has allowed this copmany to behave in this manner. The negotiator Robert (ID# arg) was the rudest person I have ever spoken with. He is the one that said they prefer foreclosure because they have insurance. The nerve. Please someone step in and do something with this company.

by Anonymous From Canterbury, CT on January 09, 2009

they suck

by sterling robinson From Ypsilanti, MI on January 09, 2009

by steve mcnames From Las Vegas, NV on January 08, 2009

by Cheryl Court From Forney, TX on January 06, 2009

Our mortage was not originally with this company but was put with them a few months ago. Not sure if the loan was sold or the previous company just went under and reopened under a new name. We got 3 months behind on our payment because of medical payments and just received a forclosure letter yesterday...the first one EVER! We called to see if we could work things out. Not only could I not understand the people I was talking to, but they were extremely rude! They said the only thing I could do was pay an EXTREME amount of money in the next week, which I of course don't have. I was told to pull money out of savings or something...like I hadn't already thought of that! I told her my only option was to pay the payment plus extra at the end of the month when I get paid. That's when I was told that my house was set for sale on February 3rd, less than a month from now. I am in shock and trying not to throw up. They are being completely unreasonable and unwilling to help. I feel like we are being bullied!

by Maggie From Las Vegas, NV on January 05, 2009

Write the better business bureau. I wrote BBB with my complaints b/c AHMSI was charging me extra late fees & false returned check fees. I tried working with them but as it has been made clear from other posts, I got no where. The BBB was quick to respond and kept the info for their records. If enough people make complaints about AHMSI to the BBB something will get done. AHMSI is stealing our money and is only aiding the economic meltdown. Please complain, don't let AHMSI continue. It's easy, just go to the BBB website and fill out the form.

by Anonymous From Mount Morris, MI on January 03, 2009

by andriola finch From Denton, TX on January 03, 2009

by nicole From Fairfield, IA on December 30, 2008

I am currently at default on my loan. With just getting done with Christmas I am sure alot of people are in the same boat. I received a notice to call them to try to work out a plan. What a joke. The lady I spoke with was not willing to help me out. All she was concerned about was where or when am I going to pay the payment. At the beginning of December I sent a decent chunk of change to go towards my escrow. The "rude" lady commenced to tell me that it hasn't posted yet. I checked with my bank and the money has already been withdrawn from my account. I also just made a regular payment. They should be getting it today. I am affraid that they are going to sit on that and cause me some major problems with my bank account. So needless to say I am not happy with this company and wish I would have NEVER found them. I hope to go talk to my bank to see if I can get out of this thieving situation and get somebody who truly cares about me and my family. Also they need to get workers who speak CLEAR english.

by Anonymous From Fairfield, IA on December 30, 2008

There representatives are very rude on the phone and don't want to work with you. I regret ever coming to this company.

by Allan Andrews From Supply, NC on December 25, 2008

We were struggling to make payments after mortgage went from $794/mo. to 1100/mo. due to our adjustable rate, therefore causing us to get behind on taxes and other bills. We called and asked them for help and they told us they couldn't help and told us to borrow money from someone.

by Allie Holberg From Lawrenceville, GA on December 23, 2008

I am in the process of tracking down the CEO and if I can't speak with him I will find someone who can. Here is what everyone needs to do in the meantime. Call the Texas Attorney General @ 512-463-2100 and file a complaint. Also file one with your state's Attorney General's office, then call 1-877-276-5550 which is the Texas Dept of Savings and Mortgage Lending and file a complaint with them. I am also calling the Federal Trade Commission and filing a complaint with them (1-877-382-4359). It would probably help to have the most complaints as possible. Here are the directors of the company: David M. Friedman-CEO, Kulwinder Singh-Managing Director, Robert L. Love, Jr.-Director and Exec VP, F. Norton Wells-Exec VP and COO, Stephen A. Hozie-CFO. I am calling every number I can find on google to get in touch with one of the people. There was also a lawsuit filed against AHMSI by the Attorney General in MA. I'm going to try to contact him also for info, if I get a number I'll let everyone know. These people are not going to foreclose on my house b/c of a payment they rejected. Any help from you guys would be greatly appreciated.

by Aidrianne Hatchett From Chicago, IL on December 22, 2008

Im tired of talking to people who barely understand what you are saying and you don't understand what they are saying because they are in India, and they have the nerve to be rude...

by Anonymous From Granada Hills, CA on December 19, 2008

by Linda Noel From Pelham, NH on December 18, 2008

I have a renter that wants to buy the house with a short sale he did not default i did i want to know how i go about this it is the only offer that i got on the house. it is only worth 130000 i owe about 179000 the second mortgage will allow me to pay it as a personal loan.

by John Wilson From Olivehurst, CA on December 18, 2008

by Fucked in MI From Jackson, MI on December 16, 2008

THESE people are blood sucking leaches and if you have any smarts and can refi whith some one else you would be way beter off. You can repor your problems to the federail trad comision and they will take action. Option one was turned into the FTC and within a month they had changed names sold out. Because they knew they had goten into some deep shit. one of the banks that use them are Wells fargo . you need to find out whom the note holder is the company that realy is the bank and file a complaint with the FTC and heads will fly when the bank finds out that they are intruble because of AHMSI and why they probly will quit them. there is not as many rulings that the servicers have to fallow as the lender the real note holder, and thats one reason many people are finding out its hard to deal with them. they dont care and can get away with all kinds of shit that a real note holder would not be doing. One of the worst things you can do right now is to try and deal with them on your own! Go to GREEN PATH and or HOPE NOW, AHMSI Acts tottaly diffrent on the phone when you are on the phone doing a three way with your consler! I know Found out first hand. when they relised my consler was on the phone with me it changed from being MR.shit on you to MR. BLA BLA how can WE HELP YOU. These are the most pain in the ass people I have ever had to deal with. DONT LET them strip you of your rights, reserch the web look at your oridgnal loan papper work and make lots of calls to help centers and the FTC. Also Beleave it or not find out whom your local congress men or leaders are and report your problems to the, the government is stsrting to find out whats been going on with these servicers and how they treat people. The more that comes out the more the gov will relize they need to put there foot down on these assholes. I beg everyone whom is haveing problems with this company to report them to the FTC and any local afical you can. This will be the start of bring them down trust me.

by Anonymous From Lima, OH on December 16, 2008

I "STRONGLY" agree with all the comments about AHM and OPT1. They are very hard to understand and they act like they want to help.I spoke with someone who spoke english and he was even more rude. If someone has any suggestions on how to get any kind of help please "ADVISE". Thank everyone for posting their comments I thought I was the only one going through this.

by Trip Mei From Atlanta, GA on December 15, 2008

Anybody try to convert an assumable loan with them?...won't honour mine

by Anonymous From Stevensville, MD on December 15, 2008

by MAK From Atlanta, GA on December 15, 2008

They don't care if you go ino foreclosure, because the money their investors (actually own the mortgage AHMSI are just servicers) are getting money back from the Government to compensate from losses. So they make more money from a foreclosure than helping people with their payts.

by Karen Gordon From Pompano Beach, FL on December 09, 2008

I don't like the fact that I'm attempting to speak to someone about a delicate matter and 90% of the time I can't understaand a word they are saying. The fact that the CSR's don't speak enough english is very upsetting. Why am I having to explain my cercumstances to someone who I fell may not even get the point of what I'm saying. When I call I need the assurance that my needs are fully understood.

by Anonymous From Jacksonville, FL on December 08, 2008

only waited till mortage was barley 2 months late before they started forclosure and didnt give any for warning.

by Keta Wesley From Snellville, GA on December 07, 2008

by Anonymous from Apopka, FL From Apopka, FL on December 02, 2008

We would love to be part of a class action suit. AHMS fees are outrageous and if you need to get your loan modified they charge $500 additionally - which is ridiculous because if you could afford to make the paymemnts in the first place, you would not need to get your loan modified.

by neil From Davenport, FL on December 02, 2008

being uk citizens, my wife and i were living the dream of buying a home in the sunshine state, and initially all was well until the loan was taken over by american homes, and now it has become a nightmare, having being served a summons yesterday as american homes mortgage now want the payment in full. we missed a payment, but caught up.but it is not good enough - we have transferred moeny and sent checks to them for them not to be cashed. They have not been helpful at all, and as we are trying to understand how this can take place, as all they seem to want is to take our home from us. Frustrated and angry are just two of the words to describe our mood. We are trying to sort this out as best we can, and if anyone can give us any advice on how to sort this company out. Let us know. neil@highlandcourt.freeserve.co.uk

by mandi vanhorn From Joppa, MD on December 01, 2008

by GARY VERKEN From Rockford, IL on December 01, 2008

WE TRIED TO MAKE PAYMENTS TO THEM IN SEPTEMBER, OCTOBER & NOVEMBER AND DUE TO THE LATE PAYMENT IN SEPTEMBER THEY INFORMED US THEY WERE FORECLOSING. WE MADE THE PAYMENTS AND THEY SENT THEM BACK. I THOUGH MORTGAGE COMPANIES WERE SUPPOSE TO WORK WITH YOU. IN THE 15YEARS WE HAVE LIVED IN THIS HOME WE ARE VERY SORRY WE EVER REFINANCED WITH OPTION ONE/AMERICAN HOME MORTGAGE INC.

by Teresa Carlin From Southampton, PA on November 29, 2008

I have an adjustable interest rate mortgage that adjusted to over 10%. I have contacted my lender both in writing and by telephone in order to work with them in order to modify my mortgage, etc. They have never made any effort to contact me or work with me on any level. I have never received a written mortgage statement; Everything must be done online.

by REYNALDO HERNANDEZ From Ramona, CA on November 25, 2008

by Anonymous From Belleville, NJ on November 25, 2008

by mark sullivan From Key West, FL on November 25, 2008

american home mortgage has done all of the above and more. I am willing to file a class action suit any takers? technicalresources@hotmail.com

by Anonymous From Chesapeake, VA on November 25, 2008

I know who everyone is feeling, I am in that same circle. I always thougt that the mortgage company would help especial now that things are bad ever where and big companies are asking for help. The USA goverment can bail out big companys but us middle class have to lose or pay more to just keep our homes. I hope that we don't lose our home we are working with them to get are payments lower so we can keep our home and refinance in July of 2009. I pray to God for help.

by Lisa Frankl From Mount Olivet, KY on November 23, 2008

by Anonymous From Girard, OH on November 20, 2008

by Stephen Platt From Henderson, NV on November 11, 2008

WHEN WILL THE GOVERNMENT STEP IN AND DO SOMETHING ABOUT THIS COMPANY? I am a Nevada Homeowner and a civil servant whose family is looking at job loss and the inability to make my mortgage payments. My situation is like many others in Southern Nevada, my colleagues, my friends, and those on the news. My wife will soon lose her job due to the poor economy, most likely after the holiday season. Our little condo has lost over 100K in value since we bought it in 2005, we cannot refinance because although we have kept current on our payments we now owe more than our home is worth because our home has lost value on the open market, and to complicate things further our HOA management company is currently under investigation by the FBI for defrauding the homeowners. For the past month and a half I have been attempting to negotiate a rate fix with my mortgage holder, American Home Mortgage, so that I can continue to pay my mortgage. I have sent them the necessary paperwork, and have tried to contact them numerous times. I have a telephone log of my attempts several sheets long, and yet I continue to get the complete runaround from them. They are unavailable to speak with me, do not return my calls, and do not participate in the new FHA programs that help underwrite bad ARM monthly adjustable mortgages like mine. I have met with HUD counselors and they have also expressed to me that this company like others, it very difficult to work with. The sad fact is that for $1,000 I can get an attorney declare bankruptcy and possibly save my home. The other option, American Home Mortgage will charge me $500 to fix my rate to a higher than average fixed rate on their terms, if I am lucky enough and have the privilege of speaking with them about it. Perhaps you are wondering how I got myself in this situation. When I signed the papers, rushed through by the escrow company and my realtor 3 years ago on my lunch break, I was told I could afford the loan, and that I could always refinance down the road. What I wasn’t told was that there was a special rider on my loan that charged me at least 10K of the borrowed amount to American Home Mortgage should I refinance out of the loan. I was lied to. To make matters worse when I called the company to ask them to explain my loan to them, I was advised by them to continue to make the minimum possible payments that didn’t even cover the interest of the loan and that “everything would be alright.” Fortunately, I was not this financially gullible and have continued to pay the full mortgage payments despite the fact that it has nearly killed us for the past 3 years. What would you do if you were in my shoes? Would you be the responsible citizen and try to keep after a company that doesn’t participate in the Government programs designed to help homeowners, is already bankrupt, and is unwilling to even attempt to negotiate a bad mortgage? Or would you take the easy way out and just walk away from the situation, and destroy the inside of your home while doing it? This is the problem with our current economy. Homeowners are now cash poor, many others like me, because they continue to try to save their homes, and pay ridiculous interest rates that are not negotiable. Then there are those who just walk away causing complete loss for the noteholders of these bad loans, which causes bankruptcy of insurance firms and our financial institutions. The bottom line is this all occurs because the Mortgage Companies, like American Home Mortgage refuse to work with homeowners, to participate in recent government programs that can help homeowners. These companies are not required by Federal law to participate in these programs If the government can come down and pass laws that mandate cooperation and participation, and require the mortgage companies legally to work things out with the homeowners, then I believe that our economy would start to improve. However, Washington needs to act. Legislation needs to pass soon that includes incentives and punishments for such companies like American Home Mortgage. With Federal mandates in place these companies will be legally required to work out individual’s situations and help to make homeownership a possibility and not a nightmare.

by vanessa tavera From Katy, TX on November 10, 2008

Gave us no options other than foreclosure.

by Susan Chesney From Temperance, MI on November 08, 2008

If they don't receive the payment on the first they are calling on the 2nd, 3rd etc. It doesn't matter if you tell them exactly when and how you are going to pay, until they receive your money they continue to call.

by Anonymous From Lake Butler, FL on November 07, 2008

I called to ask about my loan and the representative was very rude. No wanting to help their customers.

by Anonymous From New Braunfels, TX on November 06, 2008

WORST COMPANY TO DEAL WITH DOES NOT RETURN CALLS AND THE CUSTOMER. CALLED SUPERVISOR HE HAD NO TIME TO LISTEN TO COMPLAINT. HE WAS VERY UNPROFESSIONAL. ROBERT YOU REALLY SUCK AT WORKING WITH A CUSTOMER. I HOPE YOU DON'T LOSE YOUR JOB BECAUSE IT'S THE WORST THING, AND I HOPE YOU NEVER HAVE TO LOSE A HOUSE AND IF YOU DO I HOPE YOUR CUSTOMER SERVICE SUPERVISOR IS A LOT NICER THEN YOU WERE.

by angelica calvillo From Bakersfield, CA on November 06, 2008

by Bess Clark From Pasadena, MD on October 31, 2008

The went through restructuring. We have attempted to work out solutions numerous times, but only get people from India/overseas on the phone.

by chris shuler From Columbia, SC on October 31, 2008

by Monika Leandry From Austin, TX on October 30, 2008

One of the most unprofessional firms I ever worked with. Somebody needs to do something about it.

by Anonymous From Norcross, GA on October 28, 2008

by Anonymous From Brunswick, OH on October 28, 2008

AHMSI and Option One are horrible companies. No one speaks English and they won't help you save your home. I just don't understand why in the UNITED STATES OF AMERICA a company can get away with abusing and jerking people around.

by dennis From East Northport, NY on October 27, 2008

in august AHM gave me the so called "5% special" they still have not cashed my check and now my payment for OCT is due, i called them to make a payment and they are telling me that im still in forclosure, i think im just going to cancel the loan mod check and give them the house. The people in India should not be talking to people.

by Anonymous From Terryville, CT on October 25, 2008

Oh by God, and here I thought is was just me getting a hard time. I mailed my payment 7days a head of time and they charged me a late fee. Can't get in touch with anyone there?

by greg From Santa Ana, CA on October 22, 2008

no regrets

by kellie From Holiday, FL on October 22, 2008

I am hoping there will be a class action lawsuit. I am now in foreclosure and all of the comments I am reading are exactly what I experienced. They raised my pmt from 1,100 to 2,500 with no warning. My husband died last summer and left me and my 2 year old daughter they promised to correct things and work with me, instead they left me with hours of hold time to only finally get a non english speaking customer service rep that knew nothing nor helped. Now my credit which has been outstanding my entire life is ruined and I am still fighting everyday with them. Please if anyone knows of any leagal actions against them let me know. I can be emailed at kmunda23@hotmail.com

by Thomas Maloney From Genoa City, WI on October 21, 2008

Never could get the same person's or Mailbox' r full, so you can't leave message's, and when you do they don't return calls back:

by Gonna be homeless From Franklin, NJ on October 18, 2008

Seems to me so far Option 1 and AHM do business with each other at the home owners expense. AHM's advertising about helping their clients is a joke. Their website advetises that they help you...that seems to be false advertising from all these posts about AHM. Even a lawyer posted about AHM. Now you know if a lawyer comes here to post, this AHM company must really be 1 of the worst to deal with. I think they want you all to lose your home so they can resell it, make more money, and do this to the new home owner they sell your house to. Seems like a vicious circle going on here. Hope there is a lawsuit against AHM. Good luck everyone. In the same boat as you here.

by robert zupnick From Flushing, NY on October 17, 2008

by Lauren Sanders From Hilton Head Island, SC on October 16, 2008

by alice murphy From Dallas, GA on October 15, 2008

I never had any problems until I got behind. The major problem that I have now is that when you call the customer service department you get someone in India that you can barely understand.

by Anonymous From Verona, PA on October 14, 2008

by Anonymous From Sanford, ME on October 13, 2008

by Jeff Darr From Corona, CA on October 09, 2008

I've had nothing but grief in trying to work with option one and now AHMsI. If there is a chance of filing a class action suit against these guys, I d join in a heart beat.

by Linda From Honolulu, HI on October 08, 2008

They are horrible !!! Can't reach anyone on the phone and you constantly get the runaround..

by Dorrel Dozier From Las Vegas, NV on October 07, 2008

my mortgage company is only a debt collector they cant rewrite my loan or anything to help me out.my loan is in modifiction now and i get calls to pay my mortgage almost everyday.what a joke that company only cares about the $ and nothing else.

by Melissa johnson From Kissimmee, FL on October 07, 2008

They mislead me . I called prior to the 90 day mark and was told not worry that they would be able to help me which the help was not reasonable at all.... Please help Thank you!!!!

by Jamie From Loma Linda, CA on October 06, 2008

Have been trying to get something worked out since June and am still stuck. Call them everyday and have faxed the same things multiple times. I am worried and don't know what to do. They are mean people and never respond with anything that makes sense.

by JIMMY JAMES From Lamont, CA on October 06, 2008

they have not came thru on what they promised, they are very hard to deal with, every phone call to ahms is a nightmare!

by Brian Tooke From Eatonton, GA on September 29, 2008

They put us in this loan for more than the house is worth, now they don't want to help us.

by Barak From Milwaukee, WI on September 28, 2008

AHM got our Option One mortgage. Still the same people in India on the phone, same phone nbr there and same run around. It seems that with the number of foreclosures they would get in line with the government programs and do workouts. It would be more cents on the dollar for them.

by Sherry Smith From Bryan, TX on September 28, 2008

never received a foreclosure letter and being charged huge attorney fees since apparently this process has started. They don't explain things well and not willing to work with you

by Anonymous From Peachtree City, GA on September 26, 2008

They are not flexible for refi or sale

by Anonymous From Marine City, MI on September 25, 2008

i dont know my mortgage comp was option one and they sold it to ahmsi and option one would not work with us .they new i was laid off and i want to see if they wood work whit us when igot behind and there anser was to add 500 more on to my loan that went from my 1500 amonth and then my armes lengh went in to play and payment went to 2000'and when they addet the make up payments went to 2500 for six months but we new we would not be able to pay it and we have 60.000 still in equetie that there are try not to pay we owe 250'000 and its usv 315'000 and the aprasser house insurece 350'000

by Anonymous From Ionia, MI on September 25, 2008

I am a lawyer and have been attempting to help a client file bankruptcy and have discovered that not only is AHM unwilling to help anyone over the phone, but they have foreclosed and transferred ownership of my clients home to an unsuspecting bank buyer without my clients ever knowing. They won't even tell us lawyers how to contact their legal department!

by Deborah Bridges From Brockton, MA on September 25, 2008

I say poor becuase I have regretted dealing with them. from the time I took my loan with them, I indicated that I am paid by -monthly the 15th and the last business day of the month, and I will make my payments on the last business day, I was told this will not be a problem, but it has been nothing but problems, every month I have to call and let them know or ask for permission to pay on that day and it is frustrating. I can't pay both my utilies and mortgage on the same dates..

by Mike Bryant From Mobile, AL on September 24, 2008

Our mortgage was with Option one and then transfered to AHM. It was at the same time that our ARM kicked in. Lucky for us we got a good local mortgage company to finance us and give us a good fixed rate. We are closing on Oct 1, We shouldve already closed but AHM has given the new company the run around on our payoff. We have never and I mean NEVER been late with our payments and yet AHM wants to charge you rediculous charges everytime you make a payment. We never had all these charges with Option One. Whats with all these fees. We pay online every month and now all teh sudden they wanna charge us a fee and if you pay early you get charged a fee and if your ONE day past the due date they add another fee. This cant be legal. Ive been saying since July 08 that it was jsut a matter of time before someone starts a class action law suit. I cant waite till my new loan will be signed sealed delivered. My advise to anyone who has to deal with AHM find someone out there that is willing to do a refinance for you.

by Anonymous From Toms River, NJ on September 23, 2008

by kim valuet From New Haven, MI on September 21, 2008

by Anonymous From San Juan, TX on September 17, 2008

by Anonymous From Naples, FL on September 15, 2008

THEY N HAVE PROVIDED ME WITH A MORTGAGE THAT HAS AN AJUSTABLE RATE. THEY REFUSE TO HELP ME IN A TIME OF HARDSHIP. I HAVE DONE ALL I CAN TO SAVE MY HOME.

by Amber Senters From Ruckersville, VA on September 11, 2008

by Anonymous From Monroe, WA on September 10, 2008

Three times now AHM has claimed I have not made my mortgage payments, even though I have proof from my bank that thru on-line banking, the funds were WIRED to their account. They requested a fax of my bank statement as proof, but everytime we fax it, they say they never got it. They hang up on me when I call, or they transfer me to Western Union demanding a mortgage payment from me. They are crooks. I have NEVER been late on a payment. Several times they have "accidently" posted my entire mortgage payment to the principle, then they call me and say I owe them a mortgage payment. I currently am seeking advice from an attorney.

by Anonymous From Port Washington, NY on September 09, 2008

These people are a horror. They do not leave accurate messages. They do not let you know that they will charge you enormous legal fees if they start forclosure. I was very late called them many times ad finally found they had added $4,000 in legal fees onto what I owed to reinstate my loan. I was initially told I would receive late fees. please explain how they expect you to get out of a problem when they do nothing but make it even harder? "legal fees" for what?

by Wayne Dannheim From Roscoe, TX on September 07, 2008

by jeffery and deanna snoe From Huntsville, TX on September 06, 2008

NO ONE SPEAKS ENGLISH, yOU GET TOLD SOMETHING DIFFERENT EVERY TIME YOU CALL!!!! THEY DONT ACT LIKE THEY CARE IF YOU SAVE YOUR HOME OR NOT....HEARTLESS!!! option one was even worse!!

by Anonymous From Little Elm, TX on September 06, 2008

by Christina From Santa Ana, CA on September 05, 2008

I initially faxed a loan modification request in mid-July 2008. I received an automated call a few days later stating they hadn't received information they requested. When I called, I was told that my account was noted as having received the "Financial Analysis Form' and all supporting docs. I was also told a negotiator would contact me within 14-business days. End of August rolls around. I call AHMS to inquire where my request was in the process. I was told the documents were received but a negotiator had not been assigned. He stated I need to re-fax everything. I refused and stated that if they have everything, nothing has changed and it was them who failed to get the process going. He asked to update 1 item on the form and I provided the information. Again, I was told a negotiator assignment request would be put in. Then, again, I receive another automated call about them not receiving information they requested. I call right away and the first rep says she can see the form was updated 2 days prior and transfers me to the "Home Retention" dept. The man here immediately tells me that nothing was received from me requesting a loan modification. He argued with me for the next 10-minutes with me constantly having to tell him to quit interrupting me. Finally, I asked to be transfered to someone in the US. Once I was transfered to the US, they verified that the documents were received and the request was going to be sent out to assign a negotiator. I was advised to call back the following Wednesday to confirm and when I called, the rep did confirm that the request went out to be assigned and I'd be contacted within 14-business days. So, now I wait to see if anything happens which from these posts doesn't give me much hope. I did get the Home Retention Dept extension which I was told will always route to a center in the US. It is: 1-877-304-3100 x 40930

by Christina From Santa Ana, CA on September 05, 2008

I initially faxed a loan modification request in mid-July 2008. I received an automated call a few days later stating they hadn't received information they requested. When I called, I was told that my account was noted as having received the "Financial Analysis Form' and all supporting docs. I was also told a negotiator would contact me within 14-business days. End of August rolls around. I call AHMS to inquire where my request was in the process. I was told the documents were received but a negotiator had not been assigned. He stated I need to re-fax everything. I refused and stated that if they have everything, nothing has changed and it was them who failed to get the process going. He asked to update 1 item on the form and I provided the information. Again, I was told a negotiator assignment request would be put in. Then, again, I receive another automated call about them not receiving information they requested. I call right away and the first rep says she can see the form was updated 2 days prior and transfers me to the "Home Retention" dept. The man here immediately tells me that nothing was received from me requesting a loan modification. He argued with me for the next 10-minutes with me constantly having to tell him to quit interrupting me. Finally, I asked to be transfered to someone in the US. Once I was transfered to the US, they verified that the documents were received and the request was going to be sent out to assign a negotiator. I was advised to call back the following Wednesday to confirm and when I called, the rep did confirm that the request went out to be assigned and I'd be contacted within 14-business days. So, now I wait to see if anything happens which from these posts doesn't give me much hope. I did get the Home Retention Dept extension which I was told will always route to a center in the US. It is: 1-877-304-3100 x 40930

by Anonymous From Asbury Park, NJ on August 28, 2008

this lender is a sham. after filing bankruptcy, they said i no longer qualified for a loan modification. if i didn't come up with 50% of my back payments, and over $1400 a month in extra income, nothing could be done. I guess they like the $45k-90k it takes to manage a foreclosure. No wonder foreclosure rates are so high! They have investors making the rules that need a right off! Are they from a foreign country maybe???

by Kathleen From Forked River, NJ on August 23, 2008

Option One sold my mortgage to Ameican Home Mortgage. This company has outsorced to India. They are arrogant and rude. We have been with them for 2 months and it is nothing but aggrevation. I have been hung up on when requesting information. I asked for the owner of the company's name, address and phone number. I was told there was no address and phone number for Mr. W. L. Rose! AHM has their own woes financially. One woul think they would be more willing to listen to their customers. Option One is not much better. They will take your payment over the phone (the money comes out of your account the same day) and post it days later and then say you paid late!

by Debra Smith From Columbia, TN on August 22, 2008

by Napoleon hernandez From Fort Myers, FL on August 18, 2008

by Thomas & Rose Kent From South Holland, IL on August 16, 2008

They have run us aroubd for four months. They have asked us to take in boarders, sell our belongings, borrow money from friends and relatives or find money where ever we can to pay te mortgage.

by Anonymous From Norwalk, CT on August 14, 2008

by Sonya Fanelli From Mesa, AZ on August 13, 2008

by Howard Barnes From Glenside, PA on August 12, 2008

by Anonymous From Lima, OH on August 12, 2008

too many foreigne workers can't understand them. They aren't willilling to work with you and aren't very compassionate. They keep calling even though they know its in foreclosurer and you tell them you don't have 10,000 to send them.NO TACT about them at all. They just want money.

by Teresa/Juan Blanco From Bronx, NY on August 12, 2008

by Amy From Monroe, WA on August 11, 2008

I have two mortgages with AHM and tried for six months to have the loans modified from negative am payments. They ignored all my calls and faxes and were very abusive on the phone... Never returned calls. After six months they said they could not help me unless I wanted to do a short sale. This is the worst lending institution I have ever dealt with. I cannot re-fi thru any other company, as we don't have enough equity in the home. I am still seeking ways of getting this resolved, otherwise this will kill us financially... We were dooped by our lenders into these terrible loans.. I think they don't help because they are bankdrupt.

by Shonda Springer From Winston, GA on August 11, 2008

by mad3d From Las Vegas, NV on August 11, 2008

they dont want to help you keep your house.they just want thier$$$$$$$ at any cost.

by Anonymous From McKinney, TX on August 08, 2008

by Anonymous From Beaumont, TX on August 07, 2008

by roy larkins From Springfield, OH on August 05, 2008

by Cindy Ely From Saint Johnsbury, VT on August 01, 2008

I was in constant contact with the mortgage company when we first became overdue on our loan. I was given different dollar amounts every day (different by hundreds or even a thousand dollars or more). I would ask what we needed, contact friends and family to try and raise the money, call the loan company back and bet told that it wasn't enough, the last person I spoke with was wrong, etc. This went on until I was told that I couldn't make any payment at all to get back on track, the loan was in forclosure and anything short of the full overdue balance would not be accepted. We finally had to file ch. 13 bankruptcy to save the house. We filed all of the paperwork and the mortgage company agreed to it all. Unfortunately, the rate had gone up and we WERE NOT NOTIFIED. The mortgage company knew it, their lawyer must have known it, but we didn't. The paperwork was approved based on a monthly mortgage payment that was already out of date at the time of the approval. It took them SEVEN months and one more rate adustment to make us aware that we were making payments that were too small. Tack on lawyer fees, late fees, etc., etc., and now we were way back behind the 8-ball again. Even though we made every single payment on time until that point.

by Anonymous From Brooker, FL on July 31, 2008

by Paul & Deanna LeRose From Cary, IL on July 30, 2008

They routinely mis-apply funds, even after we sent written letters specifically adressing this. They, are, in a word - thieves. Please folks, avoid this company at all costs - never do business with them, voluntraily. Check your balances with an outside source, too. If there is a way they can scam extra funds by mis-applying additional principal, they will do so. We are in the process of filing formal complaints with the Attorneys General for both Texas and Illinois. Absolutely the worst company we have ever dealt with, in any respect . . . and we have never - not once - been late with anything.

by Crystal McCay From Sparks, NV on July 29, 2008

I have already e-mailed and sent a letter to American Home Mortgage. They never responded. I have tried to get through the phone system only to be put on hold and transferred a dozen times never to talk to a person only a voice mail system.

by Anonymous From Anaheim, CA on July 27, 2008

I am a real estate agent and work with a lot of lenders on short sales. I have to agree with the May 2, 2008 note above that they are unreasonable and abusive. I would also add that they seem to want to foreclose on your home by making things as difficult as possible. Every time you satisfy their conditions they come up with a new one. I won't waste my time working on their loans again.

by Robert Olague From Imperial, CA on July 25, 2008

by Timothy James From Jonesboro, GA on July 24, 2008

I have been trying to get an Loan Modification since Feb 2008. I sent them all the information they requested back in Feb and I did not hear back from them in March so I call them and was told that they had not received the information I sent them. I ask why had not someone call me to tell me this. Like just like everybody else I could not understand the customer service clerk. He was unable to tell me anything, so I ask to speak to a supervisor, and was told that one was not available. In April I was able to get an english speaking clerk which I demand to speak to a supervisor. I was able to speak to one and was told to fax all the information I has already send in and he would make sure it get to an negotiator. He did get it to an negotiator and she did call me and informed me that I had to make three months payment before the will consister a loan modification. I agree and in July 2008 two days after making one of the three payment I received my loan modification approver, but the modification increase my payment and terms and also increase my balance on the loan over $10,000 and then gave me a 14 days notice to return the modification. I never was shown anything where the $10,000 went to pay or why the terms were extended and where the one payment went to i make two days after the approval of the modification. I tried to contact the negotiator for over a week and half trying to get these question answer, but was unable. I has no other choice but to return the modification back without geting answer to these questions, because they would move to foreclose. Everyone is correct about trying to contact anyone to help you at this company.

by TJ Noye From Dover, PA on July 24, 2008

by Amy Lee From Denver, CO on July 24, 2008

It was hard to work with the person I talked to. He was confrontational and had such a heavy foreign accent that I had a hard time understanding what he was saying to me.

by Anonymous From Madison, FL on July 24, 2008

contacted them in Feb when i was having problems completed info for a loan modification, never heard back, called several more time was told someone will contact you. finally talked with someone was told they needed more infor so i faxed it to them twice, then was told someone will contact you as of this date no contact..

by Nadine Girvan From Milford, MI on July 21, 2008

They were fine untill things became hard, They then were unable to get a hold of. They kept you on hold forever with no response

by Cindy From Londonderry, NH on July 18, 2008

Was sold to ahm by option 1. Called to verify correct payment address & was told the old option one Fl address was fine. My payment is now lost & they are sayiing it is not there fault. If I was told to use the Tx address my bank could have electronicaly paid it. The call center for customer service is in India & it is impossible to speak to anyone here. There is a similar possting on rip off reports.

by Anonymous From Tuttle, OK on July 16, 2008

This morgage company is very difficult to deal with; we can not get straight answers from them regarding our account (information we NEED to know in order to construct a plan to prevent losing our home!)

by Terry Byrne From Bradenton, FL on July 15, 2008

The mortgage was just transfered from Option One

by Anonymous From Goffstown, NH on July 14, 2008

hard to understand customer service and difficult to speak with someone you can understand

by Anonymous From San Joaquin, CA on July 10, 2008

by Anonymous From Dalton, GA on July 10, 2008

by Anonymous From Waipahu, HI on July 03, 2008

don/t know option one transfered me there last month

by John Caprise From Scottsdale, AZ on July 03, 2008

by jamie parra From Floresville, TX on July 01, 2008

by Anonymous From Plainfield, IL on June 29, 2008

I agree with all of the comments. The could use some help in the customer service department.

by Anonymous From Dayton, OH on June 29, 2008

by unknown From Compton, CA on June 18, 2008

Please go to this website www.naca.com

by Anonymous From Stockton, CA on June 09, 2008

Not sure yet

by joseph magistri From Virginia Beach, VA on May 28, 2008

Absolutely no help at all in trying to help you in difficult times. It seems as though they don't care if you default on your loan. They in no way try to help you.

by Anonymous From San Lorenzo, CA on May 14, 2008

by Todd Armstrong From Fairfield, CA on May 05, 2008

by Karen From Oakton, VA on May 02, 2008

American Home Mortgage Servicing is extremely difficult to work with. They are unreasonable and abusive. Their forebearance agreements are impossible. They require a customer default before they will consider a loan mod. The default ratio increased 6% in January, and most likely 15% more at this time. I heard a rumor that a class action is going to be filed against the servicing unit in the near future on behalf of borrowers - google periodically if you are interested in joining.

by Effie Stafford From Shreveport, LA on April 30, 2008

by Effie Stafford From Shreveport, LA on April 30, 2008

by Michael Wills From Baltimore, MD on April 29, 2008

When I first began to get behind I contacted AHM explained to them my situation, hoping they could assist me. They wanted me to pay my mortgage plus half to catch up. How was I gonna do that? I asked for assistance from day one and am in a much deeper situation than before.

by David Wine From West Palm Beach, FL on April 23, 2008

by Anonymous From Syosset, NY on April 15, 2008

by Michael Wilson From Lexington Park, MD on April 10, 2008

I think their bankruptcy speaks for itself. Greed at it's best.

by Darrel Hunter From Amarillo, TX on March 25, 2008

by Maria Elena Rodriguez From Rockville, MD on March 18, 2008

by Philip Parker From Kennebunk, ME on March 07, 2008

by CRYSTAL SIMMONS From Montgomery, TX on March 03, 2008

by chani banneheke From Oakland, CA on February 12, 2008

by Anonymous From Elgin, IL on February 03, 2008

by Danielle Mirelez From Patterson, CA on January 31, 2008

by Anonymous From Menifee, CA on January 29, 2008

by tom komasa From Burlington, VT on January 28, 2008

by Anonymous From Amarillo, TX on January 13, 2008

by Anonymous From Greensboro, NC on January 08, 2008

American Home Mortgage seem to give their customer the run around, when you call they leave you on hold for a very long time.

by denis From Nevada City, CA on October 03, 2007

My broker was the issue, I said I did not want an ARM, but 30 year fixed, I even paid extra for it. 3 years into the loan, the ARM is abreast and $800 more a month. I'm ready to speak to AHM. But in general, they've been a b*tch to speak to and non-negotiable. i.e. when only an hour over the 30 day late (over phone auto pay) "sorry we can't help that" they say the next day. Not kind thus far, we'll see what sort of "workout" they can do for my home. Let's hope they've become people with heart not pockets to pick at ours.

by Lula Davis From Saint Louis, MO on September 13, 2007

I have not had any problem with them except when we got the loan they made a mistake on our escrow for our taxes and later raised our payment from the original contract amount to make up for their error.