Aurora Loan Services

by Anonymous From Fort Washington, MD on August 27, 2010

by Anonymous From Williamstown, NJ on August 22, 2010

August 22, 2010 Zucker, Goldberg & Ackerman, LLC Attorneys At Law 200 Sheffield Street Suite 301 Po Box 1024 Mountainside, NJ 07092-0024 Re: 1998 Steeplechase Drive Williamstown, NJ 08094 To Whom It May Concern: This letter is in reference to your letter dated July 12 2010. I am writing to tell you that I have accepted the six (6) month forbearance plan pursuant to the New Jersey Mortgage Stabilization and Relief Act. This letter shall also serve as confirmation that we wish to keep our home and are looking at the loan modification option. As you will note, we previously had a temporary loan modification under the HAMP program with our Lender, Aurora Loan Services which commenced in September 2009. My trial payment period schedule was as follows, 3 equal payments of $3099.96 to be made as follows: October 1 2009, November 1 2009 and December 1 2009. Your records will show that all of these payments were made on time to your client. Your records will also show that any additional paperwork that was requested by Aurora was sent in a timely fashion. I was told that once I had completed the 3 month trial, and was approved, I would be sent a permanent modification. This never happened, instead in early December 2009, I received a phone call from Urban Settlement Services and was told they would be handing my file. I contacted Aurora to confirm this and their response was since they were extremely overwhelmed they hired an outside party to assist them. Although I had completed my initial trial period and provided all of the documentation that was requested, Urban Settlement Services began asking for duplicate paperwork. On December 21 2009, I re-faxed paperwork to Urban Settlement Services and was told that I needed to wait so they can process all of my paperwork. Urban Settlement Services told me they'd follow up with me weekly to update me on the status of my modification. After a few weeks and no new information, I began calling Urban Settlement Services, finally they told me they no longer have my file, I would have to contact my lender, Aurora Loan Services. At this point I became frustrated, I then called Aurora in Late January 2010 and spoke to a Sandra (Operator G90). She advised me that I needed to send in more documentation, paperwork that I had previously submitted 2 different times! I was told by this operator, they also needed paperwork on a Maria or Gloria Guzman. When I asked who is Maria or Gloria Guzman, her response was, you don't know who these people are? She then told me that my paperwork was somehow intermingled with another file and now they needed me to send in all new paperwork, basically starting from scratch. Now I am furious. I have documentation on everything phone call, letter, payments and faxes that were sent. Your office is now requesting more paperwork from me, paperwork I sent numerous times. Let the record show that we are not refusing to cooperate with your office, we are very frustrated and feel it is our best interest to retain counsel to handle this urgent matter. I will forward you his/her contact information once they are retained. Sincerely; Robert P Valentin

by Anonymous From Rougemont, NC on August 22, 2010

Customer service responses are different from 1 call to another they just read something from a screen and don't have enough common sense to know the figures are incorrect. Seems like they want you to file for a foreclosure, very discriminating to say the least.

by Chris From Garden Grove, CA on August 20, 2010

by Anonymous From Roseville, CA on August 17, 2010

If you have been a victim of Aurora's unfair lending practices, then you may be eligible to join a California class action lawsuit. Our lawsuit is geared towards Aurora's breach of contract. Namely, putting their clients on trial modifications to accept mortgage payments and then foreclosing with little or no notice. If this sounds like something that has happened to you or someone you know, please do not hesitate to email us at aurorascam@gmail.com

by Debra From Detroit, MI on July 31, 2010

Hi, my name is Debra Peterson, I live in Detroit Michigan, This is big Aurora Loan services, was part of the Bailout program for making home affordable, the trial period is for 3 months mine went for nine months, after nine months I was told I did not meet the program. Each month homeowner is in the program, the loan company receives money from the government. The issue is this, I have never been late on my mortgage (any bills) it was a stretch to pay, I asked for help, now the loan company is foreclosing on my home, because it looks as if I am over 10.000 dollars behind in loan payments. My mortgage was 994.62 before they turned me down they wanted me to agree to a modification of 1.465.00. Now the loan company says I can go into a forbearance program and this will stop the foreclosure I will pay 1.515.36. (I may be off with some numbers but is high) I have documentation of phone calls and have recently let the loan reps I am recording them to pay a debt. The other night I spoke with an underwriter, who I recorded on tape say they messed up, the program works 20% of the time, well me and many other aurora customers are the 80%, go to pissed consumer. Com or just type in aurora loan services, and see the complaints, we are, loosing our home to a fraud, do not forget the same people at aurora were part of Lehman brothers. ? We need some help; we need the obama administration, and the others to know what is happening to us. Guess what I am employed and have never missed a payment of late with my mortgage company. Please help us PLEASE. It is a fraud, they say they do not want our home but will not help. Work with your loan company, they wont meet us half way, read the stories about what they are doing forcing people into short sales. My 84 year old Mom now lives with me i am a full time student, active in my community and church. This is fraud, I beg you to research this, listen to us, look at people Who have lost their homes to this set up.

by Anonymous From House Springs, MO on July 25, 2010

My story is the same as everyone else, my husband lost his job in October, I was out of work, took a job with the Census in November. WE HAVE NEVER BEEN LATE PAID ON TIME ALL THE TIME. Called in January 2010 to see if I could skip a payment or something and was OFFERED and TOLD I was eligible for a mod. Sent all the paperwork in, called every month to make the payment and check status, was always told it was still in underwriting. They paid my real estate taxes and house insurance WITHOUT MY PERMISSION OR KNOWLEDGE. I have paid my "modified" payment every month and now am being charged to pay it over the phone because I cannot pay it online anymore because they took that from me. Received a letter in the mail today telling me that I have to send in paycheck stubs again! I am probably going to be denied now because we both just recently got jobs and are making decent money. Oh and with all the "late fees" and other stuff we owe them over $6,000 which with the difference in the modified payment and the "original" payment does not add up to 6k, even with the real estate taxes and insurance added in. this is bull$$$$. I wonder when i will finally be denied. Maybe I should just take out a high interest loan, pay the back stuff and then either refinance or sell the house.

by Anonymous From Hollister, CA on July 20, 2010

I can't believe a web site with this many people with issues with aurora. I feel like there is no hope I've been denied 3 times what else?

by Karen From Plainfield, IL on July 12, 2010

I had my property under contract for a short sale for 1 YEAR. My buyer finally gave up. They would not negotiate but guess what! The property went to foreclosure sale and I just got notice that they (Aurora) paid less for the property then my buyer was offering! I would also like to see a class action lawsuit. Where do we begin? They lost me my sale and created a larger deficit for them to sue me for. Does anyone know how diligent they are in pursuing deficits?

by Obama From Phoenix, AZ on July 09, 2010

The making homes affordable loan plan was designed to keep people from defaulting on their home loans. The government has dumped billions of dollars into the program but has not put anyone in place to oversee how the money is being used. There is a 6 month wait for the program then a three month trial period to make sure you can pay your loan on time every month. Then there is another 6 months of trial period payments. There was supposed to be an actual set point in time as to where you would actually be put on this program for a long term period. What the mortgage companies are doing is they are asking for repeated paper work and recent pay stubs over and over again,waiting for the borrower to end up on unemployment. Once the borrower can't produce a recent pay stub he/she will then be ousted from the homes affordable plan even though the borrower can still make the mortgage payments. I don't understand how this plan helps the economy. 6 family's that I know have been foreclosed on in this manner. When I look online at Pissed consumer.com under home loans, I see nothing but the same rants from hundreds of people yet I don't see anything on television or hear anything on the radio about this. I understand that there were a lot of rich screws out there that bought beyond their means when the finance rates were low and the interest only loans and arms were available to anyone looking to flip a house and get rich. The people that I feel for are the ones that were not interested in flipping a home and actually put down 60,000 and have 80,000 in equity. Due to the fact that times are tough and that person has to seek some short term unemployment does not mean the borrower should get screwed over by a government that is only interested in owning everything. I cant believe the amount of money that is being laundered today by the government. When Obama said transparency he meant it! We are going to do things right in front of your eyes and there isn't poop you can

by Unhappy Buyer From Sammamish, WA on July 07, 2010

Aurora is absolutely the WORST to deal with. We have been involved as a buyer of a Short Sale property that Aurora is servicing since Jan. 2010, still no answer. Documentation expires before they work the file then they have to do a new BPO and update all the financial documents of the owner. A few weeks ago Aurora came back with a counter offer that we accepted for more money, it's been 3 weeks now and no acceptance from them. The house will be foreclosed in a couple of weeks now. Looks like Aurora purposely strung us along for 8+ months. DO NOT TRY AND BUY A SHORT SALE FROM AURORA.

by Teri Mack From Cheltenham, MD on July 02, 2010

by Anonymous From Kirkland, WA on July 01, 2010

I am very interested in participating in any type of legal action against Aurora! I own a property in Mississippi and they have moved me into foreclosure as quickly as possible with no legitimate attempt to work with me. Now they won't tell me the reinstatement amount - definitely a violation of due process.

by Anonymous From Arlington, WA on June 22, 2010

This company is a servicing company for Homecomings Financial, LLC as well as other mortgage holders. So basically you are dealing with a collection agency not a mortgage holder. Don't know the legals. I do know that they do suck, never can get their stuff together, always require homeowner to resubmit requested info many times in duplicate. I am frustrated with them.

by Anonymous From Richardson, TX on June 21, 2010

These folks are a joke. They don't play by the rules. The are trying to foreclose without proper notice...

by JB From Fresno, CA on June 20, 2010

I have been trying since Sept. 2008 to get a MOD. I had a reduction in my income and my loan changed from a set 1.9% for 5 years to 9.0%. I had planned to change loans once I reached the 5 year mark. I am not able to sell my house or get a new loan due to the California market. My loan value is $700,000 and my house value is $325,000. I was put on a payment workout plan for 7 months and then told that I did not submit the correct paperwork 7 months earlier and I needed to re-start the process. So, I did this. Copies of everything.... 2 years taxes, bank statements, 401K, CC statements, 2nd Mortgage, Car Payments. I was sent a MOD that had a payment $2300.00 A MONTH more than my current payment. I must say WTF.... I couldn't make the original payment that is why I asked for a MOD. I will pay the entire balance due on my mortgage, I just need a lower payment until I get back on my feet. I have been going through this for for 21 months. I have spent every dime I have trying to save our home. In the last 21 months I have NEVER talked to the same person twice at Aurora. I have submitted complete packages of paperwork EIGHT times. There is ALWAYS a reason they can't complete the process. Aurora has started foreclosure. Seems crazy to me that they would rather have an empty house to maintain in this market than work out an affordable payment for me. They can have my house and I hope it never sells and that it gets vandalized like so many of the other empty homes in this area.

by Anonymous From Boonville, IN on June 15, 2010

by Anthony Smith From Kissimmee, FL on June 07, 2010

Advised us not to make payments. Then foreclosed on the house because we did not make the payments. Posted 30 day notice 31 days after the date of the notice. Requested documents that do not exist in england 3 times. Different answer every time you call. Seem to have managed to completely delete 1 person off a joint mortgage??. Managed to change the status of the house to owner occupied even though we live in england and when they corrected this classed it as a declined loan modification.

by ruben imperial From Anthem, AZ on June 04, 2010

They never do what they until us as customers what they are going to do. Never return yours calls only when our payment isn't sent then they call. They just don't really care.

by Anonymous From Pittsburg, CA on June 02, 2010

Aurora Loan sucks we have been trying to get help with our payment for the last 2 years and have not been helpful at all. We never want the bank to take a loss just figure a way to make the interest rate to go down. If i wanted a different house could have bought the neighbors for 89000 instead of the 410,000 we owe you. The best part is now you get to take the loss and good luck selling it cause we r taking everything in it for our new house!!!!!!!!!!!!!!!

by woodson heather From New York, NY on May 31, 2010

Tired of seeking loans and mortgages? have you been turned down constantly by your banks and other financial institutions? the good news is here !!! we offer loans ranging from $5,000.00 min. to $10,000,000.00 max. at 3% interest rate per annum. loans for developing business a competitive edge/ business expansion. * personal loans (secure and unsecured) * business loans (secure and unsecured) * consolidation loan. we are certified, trustworthy, reliable, efficient, fast and dynamic. contact us today..... first information needed are: full name: location: age: contact phone numbers: amount needed:

by ju From Orlando, FL on May 27, 2010

trying to buy a home from this loan company on a short sale going on a year now they are horrible

by Anonymous From North Port, FL on May 26, 2010

They would not work with me on my mortgage that had escrowed taxes/insurance when I could only pay principal and interest due to a reduction in salary. So now there is a foreclosure sale date. So sad.

by Cedric Dawkins From Orlando, FL on May 25, 2010

by Anonymous From Lansing, IL on May 13, 2010

Just got approved for a mortgage modification with aurora loan service, the terms are 2% for 5 years, 3% year 6, 4% year 7 and 5% for the rest of the term which is 40 years. Aurora was pretty easy to deal with. I called every week the whole process took about 6 months. Fannie Mae owns the loan.

by Anonymous in CA From Indio, CA on May 11, 2010

Aurora Loan Services foreclosed on me without serving proper notice! I contacted them after losing my job and being concerned about being able to both pay my mortgage and put food on the table (it would be one or the other, but not both). They informed me they could modify my loan based on need, but, as I was current, I was not demonstrating need. I asked how to demonstrate need, and their representative informed me that if I stopped paying for three months, they would consider me for modification. Same story... made my payments, all on time, and they still foreclosed on me. I am fighting their eviction notice and have filed a civil, class action law suit against them.

by Cheryl From New Port Richey, FL on April 23, 2010

I applied for a modification in August 09 and made the "trial" payments. Every time I called they said they would have an answer by Dec 27, 2009. This did NOT happen. In January they escalated my case, then they escalated it again in February. I called this past week and was told they would escalate it again. So, TODAY, I receive a call from the ESCALATION DEPT. I told her this was the third time it had been escalated. She said that prior to February 2010 there has NEVER been an escalation dept. WHAT??? She said that she would need ALL of my paperwork again since it was all old now. OMG, I told her that if I send ALL this paperwork again what is stopping them from saying the same thing 6 months from now. She said that since they have an actual department now that will not happen. Whatever. This company is horrible and they obviously are either jerking me around or they really are as incompetent as they seem. My bill shows as past due of about $13k right now. They also CHARGE me each month for making a payment over the phone even though they took the online payment option from me. I think, that right there, is enough for a lawsuit. If anyone has any advice or info for me or if this happened please let me know what to expect now. I am thinking to not even send them the info and let them foreclose.

by Debbie Cortez From Pueblo, CO on April 17, 2010

A lady has set up a site for victims of Aurora. It is called auroraloanvictims.com. She is trying to get as many stories as possible to do a class action suit. Please go there and send her your stories. They must be stopped!!

by o'mar From Chicago, IL on April 13, 2010

Quantum financial mortgage was allowed to stay open after they ruined our perfect credit and lied about the entire deal, then did not breech the contract or buy the property back, then stuck us with two more properties ending in the same way. We complained since march of 2007 and none of the regulators ever bothered to help. Now we are homeless and living under a bridge on brynmawr in chicago, il. Thanks aurora and quantum

by Gerard Jordan From North Hollywood, CA on April 12, 2010

I feel its wrong for them to take our money stating everything is O.K . And behind our backs try and take our house in which we have lived in 14 years. There is some unlawful doing happening somewhere. They straight out lied to us

by Anonymous From Salt Lake City, UT on April 09, 2010

We signed up for a trial period from 08/09-11/09. They extended the contract without me knowing about it 120 more days. I NEVER SIGNED FOR THAT!!! Know after all this time we just know where called saying that we do not qualify. They took my 08 tax info to see my financial situation, NEWS FLASH the hard ship started in 09 not 08!! They are wanting us to pay all the fees(I refuse to pay it) they extend my contract with notifying me, and they are the ones reaping the benefits. My situation is not better but worse. We are going to the judicial system for this, they need to be stopped.

by Frank From Chicago, IL on April 07, 2010

I applied for a loan modification with Aurora Loan Services, The originally told me I would qualify for a loan, only to deny me later and charge me late fees. I paid the late fees and reapplied for the loan modification, they denied me stating that they never received any documentation. I produced copies of fax transmissions and certified letters. They responded by saying that I made too much. I reapplied again for a loan modification and was told that I don't make enough, even though my financial situation is identical. Don't waste your time with these hustlers, don't pay them and let them foreclose. If you can find out what abandoned buildings in your neighborhood are owned by Aurora call the city and have them cited for code violations.

by Debbie From Pueblo, CO on April 06, 2010

I went for a modification. They continually asked for paper work that I had already supplied and for things that were none of their business like my daughter's birth certificate. Finally got a trial payment plan. Paid those early every month. They sent final papers and increased the payment $200. They knew I could not pay that. They were redoing everything-they said-then they foreclosed without my knowledge! I found out when they put eviction notices on my door! HELP!! They need to be stopped. I will gladly participate in a class action suit! cortezdebbie313@msn.com

by Hansen From Merced, CA on April 05, 2010

Haven been trying to get loan mod for 7 months now. cant even access web site, and messages contract each other. We need a judge to approve the class action lawsuit before many more lose their homes.

by Anonymous From Salt Lake City, UT on April 01, 2010

I was an investor with real estate rentals. Unfortunately through the economic downturn I have run into troubles like most people here. Of nine homes I have had to let go to foreclosure seven were with Aurora. Unfortunately my personal home was with them too. It would take ten pages plus to go over the complete incompetence of this company that I have experienced over the past two and a half years. I have never worked with a worse company. Every other loan I have has been modified and is in good standing. These guys don't care though all their loans are just in some bond issue and they are the servicer. They resold all of my homes for 100k - 250k less than what I owed. I guess they saw that as better than lowering my interest rate and payments. Pitiful, Pitiful, Pitiful. I guess I dug my own grave though when I took the risk of investing in rentals.

by Anonymous From Franklin, VT on March 31, 2010

I submitted Loan modification documents several times, via fax and over phone. In Sept. 2009, I sent the first request via fax. This apparently was never received. I sent another fax in Oct. Upon speaking to a representative, this fax was received but was processed inaccurately. This representative took my information over the phone again, and set me up for a repayment plan. I was told that the modification would take up to 120 days. In a secure email from 1/13/2009, I was told "Your modification is still being processed and you will be notified when it is complete." As of today, I had not heard anything back regarding my modification. I called and was told that there was no record of my application, and that I would need to call and give my financials again. I was I would have to submit a new one and wait another 120 days. I was also told that my repayment plan was broken 3/30. I am unsure why. I was not informed that this would happen, even though I had requested several months ago that all correspondence with Aurora be in writing. I have no letters warning me of this. My repayment for this month was late, but I had been told when I set up this repayment over the phone that no late fees would be charged for late repayments. I had tried for about a week to log on to schedule my payment, but the online payment site was not allowing me to access my account to make the payment. The purpose of the Housing Plan, as I understand it, is to help provide assistance to struggling homeowners. It is my legal right to request consideration for modification. I did so 3 times - twice via fax, and once over the phone. Aurora is worthless.

by Anonymous From Lawrence, MA on March 30, 2010

I am reading all this and can't believe that I am not alone... Boy have I had the worst experience with this company... I have been trying to do a modification (looking ONLY to change my rate from a variable to a fix) for a year an a half. I am still debating with them because every time I call the answer is the same. Ma'am continue to make your payments even though you have completed your workout agreement in November and it will take us 120 days for the underwriter to review and make a determination on the request. I have had to resubmit the same package three times, and an updated hardship letter four times because every time the underwriter gets to my folder the information is old (they consider it to be). My situation hasn't changed yet the information needs to get resubmitted at which point I goes back to square one meaning I have to wait another 120 days for a decision. I am so aggravated at their way to conduct business that just by mentioning the name gets me sick.

by MrMusic From Canoga Park, CA on March 30, 2010

Holy Cow! I can't believe this many people have had similar encounters with this evil entity. They foreclosed my property all the while leading me to believe that a loan mod was imminent. Seriously, this many people with similar complaints should have a class action suit. If anyone is in the process of starting one, or if you are an attorney interested in representing us please post here. Or at least let me know at MrMusic187@yahoo.com Just as a side note, don't you guys find outrageous that when all these institutions had their asses on the line, they went to Washington with their hands outstretched for a lifeline, and now that we have our hand out in need these arachnids are sticking it to us with our own tax dollars? How perverse is our world? And just how much do we have to stomach before we react in kind, and in court. Best wishes to all who have been betrayed.

by Anonymous From Chandler, AZ on March 29, 2010

Has anyone been successful hiring an attorney to fight for you against Aurora?

by Anonymous From Santa Rosa, CA on March 25, 2010

I requested a loan modification from Aurora in January 2009. They denied the request because I did not make enough money. Funny, I was making more money in 2009 than when they charged me $10,000 for the refinance in 2008... Anyway in the denial letter they suggested I pursue a short sale. I had a qualified buyer for more than the BPO within 10 days. That was over a year ago. I had to stop making mortgage payments in September just to get them to look at the file. They issued an approval and notice of trustee sale on the same day! Since the original buyer got tired of waiting (after a year?? I guess so!) I had an ALL CASH backup buyer. No contingencies, ready to write a check March 16th. Aurora says "sorry" they have to send it back to the negotiators to see if they still want to go with the deal they approved 2 weeks earlier with a different name on it!!! they say we can expect an answer in 60 days. Unfortunately the trustee sale is scheduled for April 10th...

by norfolk VA From Norfolk, VA on March 25, 2010

They put me in one special forbearance and 4 modification plans. all rejected because of negative NPV. I finally brought my mortgage to current with some other loans I received. My loan was bought by Aurora. I wish there was a way to not to deal with them anymore. They are educated to not to help us. Since I bought the house I paid over $50,000 in interest, my interest rate is adjusting 2 years from now. All the aurora representative are suggesting I should do a short sale or let it go to foreclosure. They say its your choice, your house. Do what is best for you. Those people are so ignorant I hate them!!!

by Lea Williams From Citrus Heights, CA on March 25, 2010

About July in 2008, my self employed husband(over 20 years in business) had very little work, so we could not pay our mortgage. We contacted ALS and didn't hear from them for months! Finally after 10 mo we were told to pay a forbearance amount based on my income since I was the only one on title when this property was purchased. We have been paying this forbearance since last June. I was told that in about 3-4 mo if I paid the amount on time that they would consider me for a modification. Around 4 mo later when I hadn't heard from them, I called and asked about the status of the loan and every mo since last Oct they would say "we are still working on it" all of a sudden this mo on March 4, 2010 they sent me a letter saying that my debt ratio is too high and they are "closing" the modification process. We were not aware that they were even thinking about not giving us the modification. I (like all of you out there) spoke to at least 30 different people who said not to worry and that the co. would most likely give me a 40 year loan, lower the interest. rate and slap whatever I owed them on the back side of the loan. I was very agreeable with all of that. I received a letter from Aurora 2 days ago that said a trustee sale happened last week and we have 3 days to vacate the premises. A realtor for the trustee as told us that we have 2 weeks to be out, and that he would mediate for us on our behalf. We are now scrambling to be out in 2 weeks. I would love to participate in a class action law suit against ALS. I believe what they did to us and all of you is unfair.

by Anonymous From Winter Springs, FL on March 24, 2010

I have a loan mediation on Thursday the 25th of March 2010. After reading all these letters about Aurora...I am scared as hell that I will be lied to just to get some funds and then cut my feet off!!

by Brad From Saint Cloud, FL on March 22, 2010

I have had a short sale offer pending with Aurora since October 2009. I brought Aurora an all cash no contingency purchase offer that was ABOVE the BPO. They lost or misplaced documents, the purchase offer and financial documents repeatedly. Every week an Aurora rep calls me to tell me my file is complete and they can't understand why no one is reviewing my file. At the beginning they told me 60 days to close a short sale..then hey told me maybe 120..then in February they told me any day now..... Now they tell me not to worry...we don't have an auction date yet.... No one has any answers and the loss mitigation supervisor does not return calls. My cash buyer has been on the hook for more than 5 months.... My attorney gets no where with Aurora..neither does my realtor?!?! Looks like foreclosure and bankruptcy are in my future. In the end Aurora will get less than 1/2 of the $$$ they would receive with the short sale and it will take them years to get it! I concur...Aurora sucks!

by Chris From Bear, DE on March 19, 2010

MORE information to help, Aurora's new website: https://www.myauroraloan.com/ The Federal Government's website: http://www.makinghomeaffordable.gov/ The LINK is on Aurora's website now.

by Chris From Bear, DE on March 19, 2010

Ok a bit further of an update, the news is still bleak, http://www.propublica.org/ion/bailout/item/lehman-mortgage-servicer-on-life-support-gets-a-piece-of-tarp-0511 This action basically has the bank wanting to take any money it can from you. So these wild pay schemes are for the bank to make money. If you have fallen way behind, the bank is now being regulated by the Federal Government. Thus, only when your about to lose your home will they step in and give you money. Lehman brothers is trying to give money to the bank (Aurora Loans Service, is now known as Aurora Bank (FYI). So, again, if you can afford to get your mortgage to another lender, please do so. Otherwise, any sort of customer help will never be given, as they are NOT in control of the Bank, the Federal Government is. If your about to lose your home, then the Federal government will step in to help or re-modify your loan.

by Voodooviolin From Auburn, WA on March 18, 2010

No wonder these companies needed bail outs!! I inadvertently paid my mortgage twice in one week through online banking. I called the bank and they told me they can't do anything because Aurora already has the funds. Aurora's system reflects this on their phone account message. The bank does a phone conference with me to Aurora. I provide all the necessary information to get refund. They tell me it will take 5 days to get my refund. I call again 7 days later just to be told that they sent a letter day before. They cannot refund me because my bank statement shows negative. Note, that I'm not behind in my payments, however, having almost $4,000 withdrawn from my account in one week would put me in negative. They wouldn't help me any further and kept trying to get me off the phone. I'm going to refinance ASAP. I hate this company. Worst customer service ever!!!!!!!!!!!!!!!

by Ree From Mechanicsburg, PA on March 16, 2010

I want to buy your house

by Alkanease Garrett From Wilmington, DE on March 16, 2010

by Tom from Ventura From Ventura, CA on March 16, 2010

Guess What...They keep getting worse and worse to deal with. I've been trying for a loan mod since July 2008. They started an escrow account and paid my taxes and insurance without my permission. Now I see from others why Aurora did that - to get me to owe them even more money. Also, they unilaterally changed my payment schedule against my original loan, which they purchased. I have never spoken to the same person more than once. They are all incompetent and clueless. I don't think anyone who works there even owns a home, except upper management, which has created the script and mechanisms through their business practices to bury all of us....time for a Revolution, I say!

by Chris From Bear, DE on March 16, 2010

Here is the reason WHY Aurora loan service is so crappy, and non helpful and why you get some very bad customer support. Aurora Loan Service Company is/was owned by Lehman Brothers Holdings Inc. who is currently going through largest bankruptcy in American history. - The Federal Government did NOT bail out Lehman Brothers. Thus, your Mortgage is in flux, and the employees of Aurora will soon be without a job as well (so their moral is just as low as yours.) They are not participating with the Federal government, because they can't alter loans or make ANY CHANGES to your current loan. Because they have lost the power to do that by the federal government. (Some of things that customer service does NOT want to tell you.) In fact, Aurora lost the right to make or alter any loans as of February 17th 2008 - http://www.thetruthaboutmortgage.com/aurora-to-stop-wholesale-lending-cut-1300-jobs/ The company posted the following message on its website regarding the news: "Aurora Loan Services' parent company, Lehman Brothers, announced today that it will substantially reduce its resources and capacity in the U.S. residential mortgage origination space in light of the dislocation in the mortgage markets. As a result, Lehman Brothers is suspending all Wholesale and Correspondent mortgage originations at Aurora. Aurora will continue to originate loans through its direct lending channel, and will maintain its servicing business. We truly appreciate your business and support over the years. We hope you will consider how Aurora may be able to help you meet your needs in the future. With sincerest thanks." It is believed that the the last day to fund loans already in progress is February 17th, 2008. So, how did all this happen? Google: "REPO 105", this is how Lehman Brothers, basically cooked the books to hide BILLIONS of dollars in debt, and it did not come to light until June of 2008. So, as of now, the ONLY way you can try to get out from under this mess, is to find a new Lender, and get refinanced out from underneath this colossal abortion of a company. Contact your congressman, and or simply wait out this current situation with the courts, if the federal government wont allow Lehman Brothers to fund any money to Aurora, then Aurora will go bankrupt, and the Federal Government will be forced to step in to pay for this. If you can make your payments, please do, but please understand that NO MATTER what the situation is, Aurora cant alter your loan, and they are on the brink of collapse anyway. http://www.helium.com/items/1549444-lehman-brothers-trying-to-pump-950-million-into-aurora-bank http://www.nytimes.com/2010/03/13/business/13lehman.html http://www.nytimes.com/2010/03/16/business/16sorkin.html http://topics.nytimes.com/top/news/business/companies/lehman_brothers_holdings_inc/index.html Only in America does so many people live to keep a few sacred cows Rich and stupid.

by Anonymous From Medway, MA on March 16, 2010

I agree with all of the negatives about this company. While going through a financial hardship due to the economy I asked for them to lower my interest rate so that I would be able to afford my house. I did not want a modification all I wanted was a lower interest rate at the same terms. My current rate is 7.75 for a 10 year interest only loan. I pay almost $1,500 a month in pure interest to this company. After a 4 month battle them loosing my paperwork and telling me it takes 60 days to process then 90 days to process and then it could take up to 6 months I got denied stating I made enough money to afford my mortgage which is not the case. I may make enough to afford the mortgage but then I can't afford electric, food, gas for my car or anything additional although they wouldn't take any of that into consideration. At this point if I am unable to find a company that will be able to refinance me I am going to foreclose and they told me you must do what you have to do. Come on seriously in this economy you want to own more houses instead of just lowering my interest rate and making it affordable for me. If I had known the economy was going to plummet like it did I never would have bought. When I first went to go purchase my home my mortgage company went bankrupt one day before closing and the sellers told me either I get another loan by tomorrow or loose my $15,000 deposit. So I had no choice but to go to First Mangus as they were the only ones who take me on such short notice and then 2 days later they went bankrupt and transferred me to Aurora. The worst mortgage company EVER!!!!!

by Kim From Brighton, CO on March 14, 2010

After my husband died last year, I was forced to face the reality and cruelty of this wold, I applied for a loan modification through Aurora loans services, I made 4 payment of $778.00 totaling $3112... I placed calls to Aurora loans every week to check the status of my loan modification. guess what.? they denied my loan modification, the denial of my loan modification occur on March 11th 2010. I called them on March 9th and they had told me to continue making the payments. I will write letters to my senator and to the Office of Thrift Supervision. I feel that they have lied to me.

by Anonymous From Clearfield, UT on March 14, 2010

I have had all of the same things happen to me. My husband left me and I have tried everything to keep my house. Aurora does not care about people and there situations at all.

by kim JEFFERIS From Middletown, DE on March 13, 2010

we have many numerous phone calls to them to resolve our current situation with them. we are 4 months behind and have offered to pay the owed amount of 2800.00. noone would take our money, and were only told that a short sale was our only option. we need help before its too late

by Anonymous From Artesia, CA on March 09, 2010

the law firm for loan modification submitted all the requirement on the march 4th. i don't believe aurora reviews the paperwork being sent to them, they just deny it. can you imagine, same day after completing the paperwork its denied already. just received the letter of denial. and i forwarded it on the loan modification company for them to check on it. aurora sucks they will not help you.

by Anonymous From Alpharetta, GA on March 07, 2010

Dear President Obama, This is to relate to you our recent experience with our lender, Aurora Loan Services, in connection with the Making Home Affordable program we sought participation in. As long-time homeowners who struggle to remain in our home and avoid foreclosure due to our "underemployment," we welcomed the opportunity several months ago to participate in this government-sponsored program. Unfortunately - in spite of our having met all the requirements of the program's trial period, including having made 5 full and timely modified mortgage payments to our servicer - we just learned we've been declined permanent entry into the MHA program. It would be one thing for us to accept this determination, Mr. President, based on the merits of our individual case. But the news is made all the more difficult to swallow based on the following: •From the start Aurora Loan Services placed us on a modified mortgage payment of $1,094 a month; at the end of the 5-month trial period, they insisted that the monthly amount should have instead been in the vicinity of $2,200. They could offer no explanation as to how the $1,094 had been arrived at, except to say it had been a mistake. •Aurora made it virtually impossible to work with the same rep from call to call. Agents would refuse to divulge their last name, and when we would call back to ask for someone by their first name, we would always be told that they have a number of agents with that same first name. Similarly, when an advocate from the Treasury Department called Aurora on our behalf and asked for the agent's identification number, the number provided proved to be bogus upon our follow up. •In general, the information provided to us - and the methods employed by the lender to determine our eligibility into the program - varied by the agent. For example, one Aurora rep would arrive at a revised mortgage payment based on our gross income, while the next rep worked entirely on a net basis, frequently resulting in different answers to the same questions. In the end, Mr. President, Aurora did not even try to make MHA work for us. The impression we've come away with - and we are not alone in this mind set - is that this lender would actually prefer to begin foreclosure proceedings against the homeowner than enter into a modified mortgage through MHA. We can't help but think there are many others in similar financial difficulty who seek relief through this lender, but will most certainly face resistance at every turn. Thank you very much for your attention to a matter we know you care about deeply.

by Tammie From Columbus, OH on March 06, 2010

My husband and I are in the same boat. It has been 2+ years all run around to find out that we are not able to get are loan modification that they said they would Obama help us with. That we would be able to lower our payment and we would be able to keep our home,instead they came back wanting to give us a regular one modification instead. We have been lied too and them saying to sent all the paper work again and again ,that every time you call a they give you the run around. We are too in desperate need of help all we want is too keep our home for our 6 children and a Class Action suit sounds good.

by Lolina From Glendale, CA on March 05, 2010

March 5, 2010 My story is known to the White House. Although it was too late before President Barack Obama read and responded to my letter, I just wanted to be heard again so that my tenant who has a bonafide lease agreement in Tennessee won't be harassed and won't be evicted by Aurora Loan Services. Aurora Loan Services after harassing me and forcing me to pay more than what I was owing, foreclosed my rental home on February 4,. 2010, which they did not sell. I have a very good paying tenant in that rental since July 1, 2009, prior to that I had a tenant who owed me $14,000+ in back rents which I did not know until February 2009 when I took over the management from my hired property manager. I took over the management because I got laid off from Washington Mutual Bank as a Software Quality Engineer on January 2009. Six months after that my husband suffered from ischemic stroke. I am writing to you to at least inform you on how Aurora Loan Services deals with borrowers like me, I am just surviving with the unemployment and trying to get rentals income as part of our livelihood. Aurora Loan Services (ALS) also known as Lehman Brothers has lied to my records in their system. I think they are quick to foreclose so that they can seek bail out money again from the government. My prayers are for this company to get audited and please don't let them have anymore tax payers money. I seek help from their Executive Committee please postpone the foreclosure due to my loss of job and my husband suffered a stroke back in August. Yes, they postpone the foreclosure to 30 days and just offered one and only solution to pay a monthly repayment of $2,425 per month for 8 months. My regular mortgage payment was $569 + PMI. I honestly told them I could not afford that, as I am only collecting rental income $1,025 per month less insurance fees, HOA, and other maintenance. The Executive Committee who offered me this repayment plan was so stern and not compassionate of my situation, it is like a do or die thing, she said that I was in deficit of -$5,500 per month which was not true, I told her that if I was on deficit that much I would have let all my rental homes go, in the paper I submitted I was not even at negative or any deficit. They entered my financial figures in the wrong place and with the wrong amount. She said I have no other option. I cried and I prayed to God and I called ALS Customer Service hoping I could find a rep with a heart, fortunately I found one that had looked at my financial information as entered by Ms. Alicia Hodson. The rep name is Tony Henderson who told me that there was an entry at the Credit Card Payment of a big amount, I told Mr. Henderson that I do not have credit card since I filed for Bankruptcy Chapter 7 in 2007 after almost dying from pre-eclampsia delivering my first baby. In short, Mr. Henderson, took my information over the phone and told me that he can help me get caught up. He asked me if I can pay $1,872 per month for 9 months and then in June 2010, I can resume paying my regular monthly payment of $569 + PMI, which is at a total payment of $669. My loan is an Option ARM loan, I never refinanced since I bought that home. Over the phone this was our conversation. Ms. Alicia Hodson was so furious that I got away from her threats. I strongly believe that she intervene in the Repayment Plan, hence the Repayment Plan document that I received has a balloon payment in June of $10,000+. I did not want to sign the Repayment Plan because this was not what Mr. Henderson had promised me over the phone. I called and asked again for the explanation, but to no avail. All I got was an advice from the manager of Tony Henderson, his name was Jason W. Cramer, his advise was to just sign the document so I won't loose the home to foreclosure and then dispute it later. I followed his advise, I paid the down payment of $1,300. Then I mailed my first repayment plan payment of $1,872 in cashier check via Fed Ex with my letter inquiring why I got a balloon payment to Ms. Alicia Hodson and Mr. Tom Wind (President of ALS), but after they had received my payment on time, Mr. Tom Wind just gave it all to Ms. Hodson and I had never received a letter acknowledging my inquiry from Mr. Tom Wind. The worst was Ms. Hodson did not post my payment, which after two weeks I received a letter that i broke the Repayment plan that my home will be foreclosed. I was so stressed at that time because my husband was not well yet and has been in and out of the hospital through 911. I had to make extra effort and pay Fed Ex again to send my proof of delivery of that payment. I never heard back from Ms. Hodson whether she found my payment or not. I had to be the one to call her and asked her what happened. She never returned my call. I paid again in November, with a follow up on the balloon payment, but never heard back from ALS what was this all about. In my upset feeling being treated unfairly, I paid my regular monthly payment in December which is $669 to catch their attention, and sure enough Ms, Hodson called and she said, you broke your repayment plan and we will no longer be able to assist you. Despite of my asking for an explanation on the balloon payment, all they are eager to do is to foreclose my home. I could not hire an attorney to represent me, they continued and foreclosed my home on February 4, 2010. On January, 2010 I had sent via Fed Ex my letter of disappointment on this ALS to the White House, Mr. Barack Obama. I also went to the White House Website and almost daily I had been asking for help. I understand that the White House has been receiving floods of inquiries like mine. I am not at all disappointed of our government. It is more on these banks that had received bail out money like Lehman Brothers who has been so UNFAIR and has LIED to my record system so that when I attempted to call the Customer Service, they can no longer help me with any workout, as Ms. Hodson had put a flag on my record system on their end. It was such a stressful ordeal, now I would like to request your help to put them on the cover of the newspaper...there are a lot of blogs about Aurora Loan Services who had foreclosed thousands of homes and has been so mean to borrowers. On February 4, 2010, Aurora Loan Services tried to auction the property and nobody had bought it. They are now the current owner of what I had invested in the first place, this has my retirement money on it. Today, my tenant in that home is facing an eviction process even though by TN Law she has a bonafide Lease Agreements and has receipts that she is paid up to April 30, 2010. I hope if you can put them on the news, that it would at least give my tenants some time to move properly and not to be harassed by their eviction. I plan to help my tenant's move, but I cannot attend the court date they set on March 10, 2010 because I am taking care of my husband and my two kids 8 & 3. Please help me Sir in getting to the public how Aurora Loan Services deals with struggling borrowers like us and how mean they are to tenant with a bonafide lease agreement. I also had contacted the Trustee as stated in my original Loan Document, but he returned my inquiry and I had spoken to his office that he has no interest in this property. I was wondering who really owned my property before I lost it. The property address is 6131 Woodstock View Dr. Millington, TN 38053. I live in CA, and has been taking care of my husband since he had a stroke on July 2009. Thank you and am hoping you could write something about Aurora Loan Services. Please note below links of people who had suffered for the unfair treatment and had lied to hundreds of borrowers. http://www.consumeraffairs.com/finance/aurora_loan_services.html Please help Sir in posting these as headline news. This would mean a lot to us taxpayers who had lost our homes through Lehman Brothers/Aurora Loan Services fraudulent, dishonest and unfair treatment. Thank you and may God bless America. Sincerely, Lolina Porter email: arthinker@yahoo.com

by Anonymous From Aliquippa, PA on March 03, 2010

not very good customer service

by Marlene Balmaseda From Anaheim, CA on February 27, 2010

The stories about Aurora are countless and basically exactly the same. My husband and I are also one of the MANY Aurora victims. Many of the comments posted are ABSOLUTELY CORRECT. Aurora's motive is to lead you into default and foreclosure so that can tack on all the extra fees and then foreclose on your home. PLEASE, PLEASE send me your story. I am in contact with a prominent attorney who has already filed a class action suit against another loan servicer for the EXACT SAME THING Aurora is doing. He is interested in hearing from ALL OF US. I will send you the article about the class action suit he filed. Please e-mail me at marlenebalmaseda@aol.com. Aurora MUST be stopped. They received $785 million from the Obama administration to "help out distressed homeowners". Yeah, right!!! Please send me your story - marlenebalmaseda@aol.com. Only if we UNITE can we beat these crooks.

by James M. From Coolidge, AZ on February 26, 2010

Over a year in the dumb game these clowns play. I have submitted the paperwork over and over, just to be told they lost it. We waited 6 months after paying the so called "good faith" payment plan for the three months, just see it go nowhere. They sent us paper work for the HAMP, which is a total scam with these bastards. They told me it was an option and wanted to see if I would qualify. Doing so stopped the chance of the loan modification. Beware!!! They sent me all the paper work days late, only giving me 2-3 days to get all of my things together. They are auctioning off the house while they look into other options for another loan workout plan. Complete B.S. these people have been giving us.

by Barrington From Los Angeles, CA on February 25, 2010

Aurora told us that we could not do a loan modification until we did a work out agreement with them. At that time we were behind and had a modification plan through another company. Aurora refused to work with the other company and therefore we were forced to sign a work out agreement with Aurora and pay amounts that were far beyond what we could afford. They continuously gave us the run around for delays in the modification process. We were never approved due to being behind. They told us several times that our debt to income ratio was too high and therefore we didn't qualify. I was also told that we made too much / enough to cover the mortgage. It seemed as though it all depended on who answered the phone but no matter what we wouldn't qualify. Our fees accrued between October 1st and December 4th was at 10 thousand dollars. I am sure it was higher before that and more has been added since then. Our original lender was Green Point mortgage. I spoke to an Aurora supervisor yesterday by the name of Beverage. He was extremely rude. He continuously cut me off and said many things to me that were just short of saying "who cares". My home sold back to Aurora on February 18th, 2010. I was notified that I was in foreclosure via a letter. They could have at least sent it certified mail to confirm that we had received it. I feel as though Aurora's goal was to foreclose and weren't interested in us keeping our home. I would say, I could pay by the 20th and they would say "pay by the 18th or your home goes to sell". Our 5th of the 6 payments on a work out plan was due on the 15th of January 2010. I was sick and had been back and forth to the doctor for medications. I couldn't make the payment online due to them restricting such payment options while being in foreclosure. I mailed the payment on the 22nd. Aurora claims they didn't receive the payment until the 26th although my bank record confirms the 25th, the last day of the ten day grace period. They cashed the payment, and then sold our home to themselves on February 18th without even notifying us that there was a new sell date or that that was their intention. It wasn't until I sent the February payment, thinking that this would be the last payment in the workout agreement that we was told that our house had already been SOLD. Our account proves that it was current in the payment plan and that even though they received and accepted our payment they still foreclosed on my family's home.

by Doug From Hesperia, CA on February 21, 2010

Although I do not blame Aurora for losing my job, I do blame them for poor customer service. It appears to me that one hand in Aurora has no clue what the other is doing, They call for payments weekly although I am in a short sale. They even have had the house appraised and that is on file with them along with the escrow instructions. It is amazing. No matter how many times I explain the situation, it is the same - "when can you pay us and you do not qualify for a modification". They live in a box and read a script. You cannot get to someone that is allowed to make an objective decision. It is as if they prefer foreclosing on someone as opposed to making a reasonable modification offer - longer than 4 months. Most people will need years to get through this economic mess. What a waste.

by Anonymous From Westland, MI on February 16, 2010

I applied for a Home Loan Modification as was told I qualified for it and I would be put on a trial payment plan for 6 months and then a permanent plan. After the six months I could not verify I would continue to get workers comp for the next 3 years therefore my permanent modification was denied even after I told them I was awaiting approval for SSDI. Aurora was nice enough to put me on a 6 months forbearance to give me time to receive my SSDI letter.

by Nan McGee From Dallas, TX on February 16, 2010

Same story as all of the above!! We have been trying to work out a plan with them for two years. They are crooks and predatory lenders at best!!! Unbelievable that they are allowed to steal from the public without any legal means of stopping them.

by Gary Donalson From Port Saint Lucie, FL on February 12, 2010

Aurora Loan SUCKS!!!! I have been waiting for modification since October 2008!! No one at Aurora knows anything! They have their heads buried so far up their butt, there is NO MANAGEMENT at all. The government should shut these people down!!

by Anonymous From Vancouver, WA on February 10, 2010

by Anonymous From Granada Hills, CA on February 06, 2010

They have never tried to contact me offering assistance with my financial hardship to offer solutions.

by E Ochoa From Lawrenceville, GA on February 04, 2010

Just like the rest Aurora SUCKS! Like so many people I am experiencing reduced income. Knowing I could not afford the home I began the process to short sale the loan. I got a buyer but the response was it would take 3 months. Needless to say the buyer did not wait. My next option was a deed in lieu of foreclosure and yet again the 3 month wait. Now I get the weekly nag call which is a repeat of the week before. When people try their hardest to do the best they can and do the right thing it feels like you are standing in front of a steam roller. Time to get squashed you deadbeat peon.

by chris giposn From Hattiesburg, MS on February 03, 2010

by Louisiana From Lake Charles, LA on February 03, 2010

I had to file Chapter 13 to keep Aurora Loan Service from taking my home. All i can say is i am not through with Aurora Loan Service. I contacted the BBB of Denver and filed a complaint. The more complaints they get the better we are in a class action law suit. EVERYONE CONTACT THE BBB OF DENVER and file a complaint.

by Anonymous From Ventura, CA on February 02, 2010

I'm not going to bother telling our full story as it is just the same as all the others here. Aurora SUCKS. I've been trying to modify our pay option arm loan since last April. No luck because paperwork is always lost and we have to resend it. Or the person I talked to before told me "wrong information". Seriously, I get a different information every time. Employees are clueless. I'm sick of the run around. Oh yeah it's obvious that anyone who posted something good about Aurora is working in India or needs to a refresher course on how to speak English. Ridiculous!

by Anthony Calabraro From Clermont, FL on January 29, 2010

by Jimmy From Hobart, IN on January 27, 2010

THESE PEOPLE HAVE BEEN STRINGING ME ALONG 4 to 7 MONTHS NOW. EVERYONE WITH THESE ISSUES need TO Contact your SENATOR,governor,LAWYERS.FTC.HOA TELL THEM YOUR ISSUE REFER THEM 2 THIS SITE AND REPORT THEM TO THE BBB AND SEND ALL OUR PEOPLE 2 ALL THESE SITES.ALSO DEMAND THE NOTE HOLDER OF YOUR LOAN AND MAKE SURE THEIR NAMES ARE OUT THERE JUST AS LOUD AND CLEAR REMEMBER AURORA Doesn't HOLD YOUR NOTE A BANK DOES SO THEIR NAMES NEED TO BE EXPOSED JUST AS MUCH IF NOT MORE.

by Kelly Martino From Huntington, NY on January 25, 2010

I've been involved in a purchase of a property in Short Sale with Aurora since July 2, 2009 and once again I'm being told to extend my mortgage acceptance 30 days. To date mortgage extensions have now cost me $4,680 and still no sight of a closing date, and unfortunately this now is my only chance of owning a home, so I'm stuck, its horrible how people in these situations are being taken advantage of.

by Glenn From Joliet, IL on January 21, 2010

A New York Lawsuit With Promising Implications for Chicago Homeowners January 6, 2010 Posted In: Foreclosure Defense , In The News , Mortgage Foreclosure Update By Sulaiman & Associates on January 6, 2010 9:27 AM | Permalink In November 2009, the Legal Aid Society of New York filed a class action suit against Aurora Loan Services, L.L.C., Timothy Geithner, and other Federal officials. The suit, filed in the U.S. District Court for the District of Columbia, takes an interesting approach. First and foremost, any individual who is eligible for a loan under the Federal Home Affordable Modification Program (HAMP), and whose loan is serviced by Aurora is likely a member of the class. This means that an untold number of borrowers in Chicago, greater Cook County, and across the state of Illinois may be part of the class. Some of our own clients may very well fall within the class. At some point in the future, those whose loans are serviced by Aurora may very well receive a notice telling them that they may opt-out of the class if they wish to pursue their own lawsuit. More thoughts on the complaint after the jump. The complaint itself is fifty-one pages of light reading. In order to spare you the full read, here's our back-of-the-napkin take on what the Legal Aid Society is claiming. HAMP is a program that stems from the Troubled Asset Relief Program (TARP). Its goal is to get eligible borrowers into trial loan modifications, that ultimately convert to permanent loan modifications. In turn, this allows borrowers to keep their homes. As we've mentioned before, the HAMP program hasn't been a resounding success so far. A very small number of applications actually convert to permanent modifications. According to the Treasury, only 31,382 mortgages out of 759,058 trial modifications have converted to a permanent modification. The Legal Aid Society's complaint places the burden of this failure on lenders like Aurora and Federal officials. It notes that mortgage servicers that participate in HAMP must sign a contract with Fannie Mae "as Financial Agent of the United States Government." (Complaint p. 3-4.) This contract describes the process and guidelines for the HAMP program. Among other obligations, servicers must evaluate non-Governmental Sponsored Enterprise loans for the program, forestall any foreclosure filings for home owners attempting to participate in the program, and must not offer forbearance agreements or require borrowers to waive legal rights. (Complaint p. 3-4). The complaint continues to outline ways in which Aurora allegedly violated its contract. The complaint also takes Treasury and Fannie Mae officials to task for failing to implement procedures that protect the due process rights of borrowers. It points to a supplemental directive that only took effect on 1 January 2010 as evidence of this lack of procedural protection. Prior to the beginning of this year, servicers that had signed a HAMP contract were not required to provide detailed reasons for denial of a loan modification. This, in turn, has made it difficult for borrowers to challenge such a determination. Given the nature of the contract and the relationship of the parties, the complaint further alleges that all of this activity took place under the color of federal law. This key phrase is how the complaint attaches its due process claims to a private entity (Aurora) and a quasi-Governmental entity (Fannie Mae). All of this background leads up to what I consider the most interesting and novel approach the complaint takes -- establishing standing for the named plaintiffs and the rest of the class. Since home owners do not sign this HAMP contract, they cannot normally enforce that contract. However, the complaint argues that the home owners are the intended third party beneficiaries of the contract. The contract may provide some benefit to the servicers and Fannie Mae, but the intention of HAMP was to assist home owners. In turn, this makes the home owners intended beneficiaries of the contract. Because the home owners have a vested interest in the benefits of the contract, they also have a right to sue to enforce the contract. This represents a very interesting legal argument -- something that would likely have been poo-pooed as interesting legal theory, the domain of a student comment in a law review, not the lynch pin of a Federal class action lawsuit. It also begs the question -- what other servicers have signed these HAMP contracts? The complaint mentions that 60 banks have signed up. If this has legs, it is very much worth pursuing on a local level. Suing Federal officials may not ever lead to their personal liability (the immunity of Federal officials is a pretty specific area of Constitutional law), but holding the lenders accountable for their often byzantine approach to the HAMP process may create some leverage for individuals seeking to keep their homes.

by Anonymous From Elmont, NY on January 19, 2010

Aurora gives nothing but false promises, and changes their mind at will. Then they tell you that it is the private investor, they are very hand on and tough. All aurora want to do is to take your home away from you.

by Anonymous From Placentia, CA on January 13, 2010

Here is a lady who has started a class action suit please get in touch with her. We are having all the same problems. http://www.auroraloanvictims.com/

by sylvia From Tucson, AZ on January 12, 2010

Aurora seems to want to foreclose. they should just say so from the beginning, save everyone allot of time. short sale buyer beware: these guys don't wait to deal with you they wait to foreclose. post it dang it!

by sylvia From Tucson, AZ on January 12, 2010

liars liars pants on fire. seven months my buyer waited for an acceptance notice from you guys. you kept verbally assuring that it was eminent. then you decided to foreclose. liars liars pants on fire.

by I hate Aurora Loan Services From Las Vegas, NV on January 05, 2010

I have had numerous problems with Aurora, I have applied for a modification to bring down my interest rate. I was denied over and over, I was slapped with default and the foreclosure proceedings started. I called and called begged and pleaded with them and was told july 3,2009 my home was going to be auctioned off unless I came up with 12,000 to stop the foreclosure process. I borrowed the money to stop the foreclosure and sent it in this was around July 1st. I called to see if they had received the money and was told that I had been approved for a modification on june 26,2009 that I would get the paper work in the mail and they would hold the check until I had signed the modification papers. I received the paper work and sent it in. I kept copy's of everything. I called to see when I would receive my check back so I could pay back my loan I took out. I was told that they cashed the check which brought my loan current and null and voided my modification with them. I was completely pissed off, how is this legal, if they would have told me on june 26,2009 that I was approved I never would have borrowed the money. Now I'm back in default again and they wont even let me apply for a modification.

by Cheryl From Orlando, FL on December 26, 2009

I've experienced the same issues. Please, educate yourself as to the rules/guidelines of the Obama Making Home Affordable Plan found on www.hud.gov. This way you will not fall victim to the lies and schemes of Aurora Loans. They are in this for the money! Further, please call and complain to the FTC however you can only officially complain in writing or with their online complaint form. I believe if they have enough complaints a class action suit will be filed. Additionally, call the attorney general for your state, your congressmen and state reps. NOTHING will happen if we accept what they're doing. I went to a Hope Now convention in Orlando last summer and was approved for a 3 mos forbearance with the Obama plan. I filed all paperwork and paid 2 of the 3 months when Aurora called and said I was now approved for the Obama plan and not to pay the third month. I said, hold on I was already in the plan. They said no, that was their modification. I didn't believe them but reapplied again last September and entered another 3 month forbearance. I paid all three months and when it came time to send the final application they called and sent a letter saying I was denied for modification because I didn't have enough income and if they lowered the interest to 2 percent and extended the loan I didn't qualify. So, I went to bankrate.com and entered 2 percent and the loan amount and I do qualify. This is a amortization table. So, now they want to offer me their loan modification. One might ask why? Because they can charge fees with their plans. They take you to foreclosure, offer the Obama plan so they can say in court that you didn't qualify and then they deny you and offer a plan that will be double or more. I said how can I not qualify for 31 percent of my income but I will qualify for 62 percent? Logically, this doesn't make sense. See, when they volunteer for the Obama plan they agree to help everyone that qualifies but if they go through the motions and deny you, they appear to be following the rules. I guess the government goofed again by trusting the mortgage companies with modifications using the honor system. Every other agency thought it was converted when they were giving all these predatory loans and the system collapsed. Isn't anyone watching now?? Where are the officials? Who is the enforcing agency over the Obama plan? So far in my research, I come to the Office of the Comptroller of the treasury, the office of thrift supervision? Anyhow, I'm telling my company if they don't comply with the rules, I'm filing a civil lawsuit against them. Please, don't give up, also keep a journal with all the dates, names and a brief summary so you can show in court that you've been working with the company. Other tips, you can find out if your area has an Acorn office. They meet to change laws and to help with foreclosures/no cost. Cheryl/I will send an update and an email address as I want to start a class action suit.

by RuninRebel From Santa Fe, NM on December 23, 2009

Tried to purchase a short sale property handled by Aurora and all I got was one protracted delay after another. I will be very careful with future properties as I try to relocate to Santa Fe not to involve any negotiation with Aurora.

by Anonymous From Saint Louis, MO on December 22, 2009

Aurora is a loan servicer, not the investor, they are following the government guidelines and making decision based on those guidelines and the investors. Maybe you should cancel your cable and internet and stop eating out before you complain. If you don't qualify, its not their fault. Get another job, I did. -A single mother working two jobs, I cancelled my cable and internet and cut down on my cell phone bill.

by Your Mama From Pompano Beach, FL on December 22, 2009

I have tried to get a modification with this company to no avail. The problem is that Aurora is a Loan Processor....they are not a mortgage company!!! What the F? So, a family member of mine did get a succesful modification back in early 2008 and keep telling me about it. She was not in foreclosure however; I've been living with this nightmare for 13 months. I an writing the judge ont he case because it is ultimately up to him/her to allow the Aurora to get the home. I was on a stupid forbearance Plan and was told by Aurora it was a modification plan...bullshit! It was agreed to pay for 3 months which eventually became a 6 month process and after $13,606 I was provided with a lovely denial letter. I have been making payments despite getting denied 2 more times. Each payment gets returned with a letter attached and I am writing the judge on the case to demonstrate that I am making an effort. I hate being in this situation and don't know how it will turn out. I will be requesting my docs and doing a forensic audit on my loan to see if any funny business was done when they processed by loan application. So, if a modification request is not working try to find an attorney office that is familiar with real estate transactions and they can see if any possible violations were made. This would most like be the best approach and I am really on my last leg on this. FYI my relative that did the modification before the HAMP program would have only saving $75 which tells me that they have been using the same guidelines all along. Hopefully we will al be out of this nightmare and am trying to welcome in the new year with some type of hope and optimism :/

by LaDonna Ogunfeitimi From Douglasville, GA on December 21, 2009

by poor guy From Anaheim, CA on December 18, 2009

I did everything they asked for; after a year same bs.

by Anonymous From Midlothian, VA on December 18, 2009

I have had my home mortgage with Aurora Loan Services for several years and I was accepted into the Mortgages Made Affordable by them. Starting in May 2009, it was supposed to have been a 3 month program (which is now into 6 months) and I went into it a month ahead in my payments. All through the summer, I was told I was a month ahead even though I was receiving notices that I was up to $7,000+ behind. I was told, "don't worry about that, it is only paper work and you are really a month ahead." Then came a time that I was accepted into the Mortgages Made Affordable program, BUT, I could not go into the new program a month ahead, so they told me not to pay the October payment. I picked up in November and have paid November and December (both payments have cleared my bank), but Aurora is saying I have not made those payments. I even signed up for automatic withdrawal from my bank account for the payments, but they won't do that either. So, not only will they NOT recognize and credit my account for payments made, but I am being sent notices that I owe late charges. To add insult to injury, when I inquire by mail (because I no longer trust anything they tell me over the phone), I receive only a form letter which has ABSOLUTELY nothing to do with the questions I asked. When I try to talk to anyone, I am able to talk only to a debt collections person and when I demand to speak with a supervisor, I am denied that opportunity. Is anyone else having this problem?

by The Hammer From Riverside, CA on December 17, 2009

I work with an Attorney modifying loans and Aurora has got to be the worst of them all. Had all clients info in for a Modification, was under review and out of no where client gets a sales date posted. I blew my lid not to mention my client. I finally got a hold of Servicing, let them know that we had never been told there was a denial of modification. They didn't know either? they assigned a new auditor for the file. If they deny it will file Bankruptcy on behalf of my client and have a forensic audit done for violations. People don't give up!!! Nor shall I!!!

by Richard Giffins From Lansdowne, PA on December 15, 2009

We had to file Bankruptcy because we went with a loan modification company. they told us do not pay any mortgage until we get back to you with a modification. aurora calls and says your in default and we are foreclosing on your home. When we file bankruptcy they raised our mortgage 250.00 per month now they want double the mortgage what should we do? they say we did not pay 3 months while in bankruptcy but I have the cancelled checks that my attorney has, but they want me to pay more. If this is the way they work then I'm going public to knock out this company and see what happens when I contact federal trade commission and buyers commission. they will pay I have tried everything to work with them but they do not want to here it.

by Anonymous From West Chicago, IL on December 09, 2009

I can't beleive that they won't work with me. I have given them 2 reasonable offers and they won't budge an inch they just want to foreclose. At first they seemed willing to work with me but once they send it to an attorney the only goal they seem to have is to bury you. They and the investors do not realize that they will be getting trashed and abandoned homes that they will sell for pennies on the dollar in any market but they prefer that than to help work things out and keep they're interest payments coming. I heard that Aurora gets more of a percentage from servicing a distressed mortgage than one that's on time. They will also rake in fees for a broker price opinion, a receiver, attorney's fees, etc. It looks like its in Auroras interest to foreclose even if it screws the investors. Does anyone know about this???

by Anonymous From Vacaville, CA on December 09, 2009

I have been dealing with Aurora for over 1 year and trying to modify. I was recently "approved" then unapproved (same story as in these comments) because I was short about $150 in income per month. I got a raise at work enough to qualify. Called them back to redo workout under Obama's plan and now they said I made too much money to qualify. I work in the business and was calculating income, payments, etc. along with the rep on the phone. The rep's numbers were not correct and I was challenging him. He was pretty upset at this. He then "approved" me for a regular mod that made my payment $600 per month higher than before. He input the new mod in their system. When I re-challenged his decision that now I made too much money to qualify, I told him I wanted to apply again for Obama's plan. He yelled at me and asked me if "I really wanted him to undo everything he had just done ONLY TO BE DENIED AGAIN". When I told him that then he was admitting that no matter what I did I would be denied at the end of the day, he said "wait, let me re-phrase that, that's not what I meant to say". This seems very suspicious to me as this is the exact same scenario that my friend (and neighbor) with the same Aurora loan was told. She didn't make enough, she got a raise, and now made too much to qualify. They said that these were "private investors" and didn't have to participate in Obama's plan if they didn't want to. I told him that they should have started out with this fact to begin with instead of wasting my time. All they are doing is documenting that they made every attempt to help homeowners keep their homes before they foreclose in case they get audited. That's it. They have no plans on helping anyone. They would rather foreclose on a home than help people keep their homes.

by Ann from Florida From Gibsonton, FL on December 09, 2009

I have been working on a short sale with Aurora for six months now and both my realtor and I are getting quite a run around. I had a buyer at a good price, but Aurora is taking so long, the buyer walked. At Aurora's request, I have faxed them a total of 103 pages of tax forms, bank statements, etc. because every few months they say the information has gotten "outdated". My husband and I are in our 70's and on Soc. Sec. and Pensions and this information hasn't changed in the past year! I won't go into further detail, but finally today I was so fed up with their capriciousness that I called the FTC. The FTC took my complaint. If they get an overabundance of complaints, they will look into Aurora's practices. They also advised me to call the Attorney General of my state, FL, as well as Colorado where Aurora has offices and NY because of the class action lawsuit being filed in that state. Because of the extent of dissatisfaction with this company, I suggest you call the FTC at 1-877-382-4357. NY Attorneys. Gen. is 1-518-474-5481, CO is 1-303-222-4444 and FL is 1-850-488-2221. If these phone numbers are removed from this site, you can Google FTC or go to their website: ftc.gov and click on Contact.

by JENNY From Nashua, NH on December 07, 2009

THEY CANT ACCOUNT FOR MY ESCROW SHORTAGE!

by Anonymous From San Marcos, CA on December 01, 2009

I've been working with Aurora for almost a year now on modifying my mortgage. I was denied twice but decided not to give up. I kept fighting and actually during the third try (under the Obama plan), I called them daily. I would get a different story each time, but persistence paid off. I just found out that our loan will be modified permanently, and at a lower rate then I expected. My advice, don't give up and keep trying. I could have given up several times, but decided that I was not about to lose my house. In the end, it was worth the stress...and boy was there a lot of stress. Keep the faith and keep trying. What's the worst thing that can happen? You might get a "no" answer again, but you may just be surprised. Best of luck to all of you. I hope you can get the same results as we did. We're all in this together.

by Mary From Alexandria, MN on December 01, 2009

WOW!!! I have called in to Aurora just about every other month with no luck. I am told each time they are not participating in the Making Homes Affordable with me having a Freddie MAC loan. Last month I called freaking out that I might not make my December payment and I was told since I am current they can't help me until I am past due. I was advised not to make a payment for December and then maybe they could help then. I am just asking for a refinance to a lower percentage. What are we to do?

by Anonymous From Woodstock, CT on November 29, 2009

by Elaine From Atlanta, GA on November 20, 2009

I can not believe all the stories about aurora and how they are so similar to my own experiences. I have applied five different times for modifications over the past year and a half, only to be denied each time. Once the Obama plan was available, I applied for that, was told that I qualified, made my plan payments, and after the last one, denied again. The underwriter called and and said that the system had denied me afterall. She said that I could still reapply under the regular mod (that had already denied me mind you). So, while be considered under the regular mod, Aurora tried to forclose a month and a half later. I believe they were just stalling me with the promise of a mod while they got the forclosure set in motion. I had the forclosure stopped with Chapter 13 and after doing so, received a letter from the underwriter asking me to call in. I was told that Aurora would give me another trial and to give the underwriter a couple of days to process the new temporary payment reduction. She then instructed me to ask the Trustee for a letter to ok the mod, just like another customer wrote on this post. After the call ended, she called me back a few minutes later and told me that she had to get it all approved first and to call her back end of week. I saw the writing on the wall. When I called back, she said that the new mod was denied. I am suing them now as I have run out of options. BTW, 4 New York homeowner filed suit against Aurora a few days ago so this gives me hope for my case. See link to associated press article here. http://www.google.com/hostednews/ap/article/ALeqM5h96z9mKszYSvVFd5WlqGPNYbIJnQD9BS8KPG2

by Brian Holguin From Glendale, CA on November 17, 2009

by Anonymous From Hauppauge, NY on November 17, 2009

As of November 9, 2009, Aurora Loan Services has been sued via class action in the state of NY along with others.

by Anonymous From Bradenton, FL on November 16, 2009

To AURORA........ you are nothing but thieves, liars and forgers, which, obviously, makes you nothing but flat out CRIMINALS. Aurora DOES NOT want to step into a courtroom to try to explain their obviously unprofessional, illegal and certainly not with their INCOMPETENT personnel, including their 'attorneys.' MAKE THEM LEGALLY ACCOUNTABLE FOR THEIR ACTIONS. I'm talking CLASS ACTION. Everyone must stand together to stop these thieves from stealing any additional homes from the citizens of our country. Sad day, I must add, that they are being 'bailed out' with OUR tax money !!! With regard to filing a Class Action Suit: COPY AND PASTED: "The Federal Trade Commission told me to have everyone I've spoken with or read complaints from about Aurora Loan Services to contact them. Not only that, they advised me to contact the U.S. District Attorney's Office, at which I did. Below are phone numbers for such, but in the event that the phone numbers get bleeped out, you can do a search on the net for each. 1. Federal Trade Commission Office of Inspector General, Room 1110 600 Pennsylvania Avenue, N.W. Washington D.C. 20580 1-877-382-4357 2. The U.S. District Attorneys Office 312-353-5300: speak with the paralegal dept. 3. Comptroller of the Currency 1-312-663-8000 4. Thrift Supervision Department 312-917-5000 5. Federal Depository Insurance Corp (FDIC) 312-382-7500 6. Your State Attorney's Office 7. Your State's Better Business Bureau The FTC assured me that once enough complaints have been registered a class action lawsuit WILL be filed."

by Ha Ha From Sarasota, FL on November 16, 2009

You are NOT getting my house you thieves.

by Anonymous From Sarasota, FL on November 11, 2009

Wow, this posts were cathartic to read because we have dealt with Aurora for 2 agonizing years now. There are other people like me out there! Long story short, we had a Realtor, an attorney and a solid short sale offer on the table. Aurora refused to "forgive" the balance owed and would come after us after the sale. So we let the deal fall apart and let the foreclosure process continue. They will NOT help you, they DON"T care and we have not paid a mortgage payment in 20 months. They are overwhelmed with foreclosures, don't bother trying to work something out. We are just sitting in the house for as long as we can...which our lawyer says could be another year at least....nice! We did everything in the beginning to make a deal...now you can forget it. My advice is either pay your current mortgage or give up your house because Aurora WILL NOT HELP YOU. Save up your money while you live "rent free"...eventually you will need some to pay fees etc... but in the end just take a credit hit and walk away!!

by Michael From Las Vegas, NV on November 01, 2009

I too am having a hard time trying to get them to modify my loan. My income has been drastically reduced because of the economy and I filed bankruptcy 6 months ago. As part of my bankruptcy, I wanted to keep my home and have never been late on my payments to Aurora. It is now going on almost 7 months and my attorneys still say that Aurora has so many loans that it may be another 60-120 days out. Everyone is wondering why they're still in business...the answer is, they're not for long. Lehman Brothers filed bankruptcy over a year ago and this is why...because they won't work anyone on loans. It will be a matter of time before they are acquired by another loan servicer or big enough bank to buy them out for pennies on the dollar!

by Anonymous From Reno, NV on November 01, 2009

I am so sorry for all of us, my lender is Aurora...yikes! We have decided to sue them and have just begun the process. I tried to tell my full story but this tiny box is too much of a hassle...the story is too long and complex. I will say this, no matter what! I am fighting back. I bought a book for $1 at a gas station in San Francisco that taught me how I could save my house from the bank. It also gave me a way to make extra cash flow to pay for lawyers to try to sue my lender, Aurora, or if that fails we'll pay the stupid loan down and maybe keep the book's plan going long enough to pay the house off in full and pay the kids college tuitions. The house is about $80k underwater. I'd rather pay it off than let the bank get MY roof. I don't have PMI, I guess that burns the evil bank more if I default, but still F*#@! them...bank is a four letter word in our family currently. 90% percent of everyone reading this will hate this method but my family has been doing it for over two years and we are doing fine, your spouse must back you up or it won't work. Here goes; my wife and I moved ourselves and the kids, two girls and one boy, into our garage and rented our house out to two families in need (they lost their places, one a rental landlord defaulted. The other a primary home, owner occupied, default) The book told us to spiff up the garage as best as possible and move the kids stuff in without asking or warning, while they are at school or out and about, don't ask for the kids permission or blessing just do it! You are the providers, they get over it. The families we rent to are nice and appreciative and we share bathrooms and the kitchen in the main house. Our kids are 9, 12 and 14...we all have pretty bed sheet walls for our "bedrooms" we heat with space heaters, there are not any furnaces or water heaters in the garage (you can't have those in a living space it's unsafe, so get them moved and if you have to use space heaters in the main house, moving a water heater is not as easy as the heating solution but you can get it done, try a "heat as you use it" type of water heater if in a warmer climate and get it done up to code, use your renter deposit to pay for it if you have to) We are salt of the earth, the house is a big, $750k house in an HOA. I am happy around my family but myself and or my wife are very defensive and have scared the HOA board so much that 3 out of 5 resigned. We keep the residence pretty and clean but they complained so we addressed the board at the monthly meeting and told them like it is..we don't think outside of the box, there is NO BOX anymore the banks and government chopped it up and burned it for kindling and then we let them know that every HOA board member can be sued and they should have personal umbrella policies and then we tsk tsk'd them with our fingers in that shameful rubbing motion your angry mommy probably made at you when a baby...and said "shame on you" to each member individually and that was when 3 of them got up and walked out in tears, the other two stayed but said "thank you for keeping your house so pretty, in fact it looks far better than the REO's and a lot of other homes we have on the list of violations to be addressed, this matter is dropped" (not a dry eye in the entire auditorium including my wife and myself) We are in a GREAT RECESSION everyone!!!! Don't expect easy street...make sacrifices...we didn't do anything close to a risky loan, we suffer from job loss and medical issues. The neighborhood doesn't treat us unkindly at all, they respect us more! I hope the recession lasts so people with adjustable can buy time to sue lenders (Aurora) and win OR pay your roof down, or in full and maybe even send the kids to college! BE TOUGH! My Yankee grandma taught me to be tough and I am only 39, she told me everything about the GREAT DEPRESSION! We have it easy compared to her...if elderly get church help moving into the garage...if no garage make a space inside and deal....or go to relatives if no relatives make a space inside the main house...tough it out until you win your law suit or pay off the house! And read the smart blogs here...I am glad I found this blog...I'm going print it all out and slam it on the lawyer's desk and make sure he reads it all, especially the good info a few smart people have suggested here! We've never missed a payment. that is NOT smart....our FICO is fine and so are we..I will know if this blog is real or not if this get's posted if not I will know it is a fake but we'll still make it. GET TO WORK, IF YOU DO NOTHING NOTHING WILL HAPPEN! We aren't ashamed that we are the "hidden homeless" at least we DO NOT LIVE IN A SHELTER! FIGHT BACK! You'll win! Enough Said. No spell checker, because I have some big fish to FRY! PS to the reviewer of this blog, if you don't post this for some reason tell me and I'll clean it up, otherwise I'll know you are a scammer also...just looking for business.

by Bethany Jones From Reagan, TN on October 30, 2009

by Gene From Long Beach, CA on October 28, 2009

I am going through all of this myself. They pre-approved us for the Obama plan, but we had to miss a months payment. During the 90 day trial period we got collection calls from them. This was before we were even turned down formally. We have had to fax over our financial statements 3 different times! Customer service is non existent. We have just hired a lawyer.

by beverly From Grayson, GA on October 28, 2009

this is the worst company in the world,they are no good

by fannie bent From Grayson, GA on October 28, 2009

worst

by Anonymous From Severna Park, MD on October 26, 2009

Same story as all the others, have not missed one payment am current now but will soon be in a position where we will not be able to pay the full loan amounts. Modification denied, no on change of due dates, no options. These guys suck.

by Baton Rouge From Baton Rouge, LA on October 22, 2009

My original interest only loan was sold to Aurora. Paid minimum payment on it for 4+ years, which apparently doesn't even cover the interest portion of the payment. Principal increased over $20,000 during that time. They then had a $4400+ prepayment penalty tacked on. They finally waived the penalty because our buyer was a real estate attorney and because we threatened to default on the loan if we lost the buyer. Otherwise, they would have extorted more money from us. Customer service is not helpful and doesn't have a phone number for the payoff department??

by Anonymous From Escondido, CA on October 21, 2009

They are ruthless we need to stand together to fight this culprit class action lawsuit ..i hired a lawyer to help us hope it will work..God is bigger than this bank..e-mail me if you need a lawyer here in San Diego CA acpsjs1980@yahoo.com

by Anonymous From Corona, CA on October 21, 2009

Same situation as so many others. If they offer you to modify if you make increased loan payments for 3 months, don't do it. After the 3 month period, they say you do not qualify for a permanent modification and they decline and foreclose. Their customer service is worthless. As of today, even if they write you and tell you that you have been approved (not one signature on any letter), you call and are told something different. They are currently receiving in excess of 1200 modification requests a day, and it takes over 120 days for them even to look at your paperwork. Don't waste your time with them unless someone is willing to start a class action suit.

by Victoria From Malibu, CA on October 17, 2009

In 5/2008, Aurora foreclosed on my home of 4 years. Aurora ignored my Qualified Written Request under RESPA laws, said they were postponing foreclosure due to title and indemnity issues and then bought my condo at auction. I retained an attorney and we discovered that my addendum to the NOTE was forged as was my notirized signature. This act was confirmed by expert handwriting anaylsis and the fact that I was supposed to have signed the addendum in New York in Dec. 2007 and i was never in NY at that time. Power Express Mortgage brokered my refinance loan from a local broker and the forgery was notirized by Power Express Mortgage in house notary and the supposed addendum, that was mistakenly ommitted at my document signing, was then sent to Aurora.The Power Express claimed that the addendum was not signed at my escrow and that was why they were sending it, 2YEARS LATER! After they initiated foreclosure.I stayed in the property for 14 months without paying and in the end my attorney said "in order to seek equity, you must do equity" and how was I really damaged by the forgery? I lost my Unlawful Detainer Eviction Traial and the sheriff did come knocking. Last time I looked, forgery was a crime, but what the banks and Wall Street did is criminal, but where are the heros to make them accountable????

by HUGH BEHAN From Davenport, FL on October 15, 2009

Absolutely disgusted and disappointed with trying to get a simple error corrected. An error let my September payment be taken twice, called immediately: it ws paid once, refused, then sent through and paid again. Called, Bank manager said she could not help, sent in facsimiles, after several phone calls. As of today 15 October getting a run around, you paid for October, DUH with NFS Bank account, refuse to listen or help. Most of the supervisors are robots, repeating the same xxxx, refuse to fix it, blame me, the Bank and simply refuse to see the simple error. I am so overdrawn, got NSF coming out of my nostrils. Totally un-acceptable, shall report to Attorney General of CO for harassment, stupidity and wasted time.

by Kenzi From Jacksonville, FL on October 13, 2009

I have been trying to work with Aurora for 6 months now in a short sale negotiation. They of course would not approve a modification for me so I went out, found a buyer and I am still trying to get an approval. Customer service will never give you any information, or they transfer you to someone's voicemail, who undoubtedly, doesn't call you back. Not only did they tell me my account would be frozen during the modification underwriting process (which was a lie) they sold my 2nd to another servicer 2 weeks before I was to close on my short sale. Sorry folks, but that is just dirty! And by the way, i took out this loan with another service 3 years ago and have paid my 1,800 dollar a month mortgage payments on time and lost my job, in the mortgage industry so of course could not pay my mortgage. we are not stupid people that don't read contracts or take responsibility for our actions. we are people that lose their jobs and face hardships like a lot of other people in this country. This company is vile!

by Anonymous From La Puente, CA on October 12, 2009

We have had no success in dealing with Aurora. I am hoping for a miracle. Where is all the bail out money Aurora? They are absolutely the worst company ever! We need to unite and FIGHT against this corporate greed!

by MAD AS HELL From Philadelphia, PA on October 12, 2009

JOSH is an incompetent snot nose who probably has a post-it note taped on his shirt by his mother to remind him to wipe front to back. This company is TERRIBLE.. failed to pay my taxes THREE TIMES even resulting on a LIEN on my property. I was giving different answers every single time I called.. from remittance addresses for payment, taxes and even my PAYMENT AMOUNT that has been showing one month past due since I started the Obama Modification (ha). I HATE AURORA and I hope they choke.

by Anonymous From Oak Park, MI on October 08, 2009

by Brian From Lindstrom, MN on October 06, 2009

we, like everyone else, were denied by aurora loan services. seems to me they got their money from the big "bail out" and now they are just being greedy and want even more. they refuse to help us. hate to say it, but they can have the house. we have been through tough times before, we CAN do it again!!!

by Weezy From Los Angeles, CA on October 04, 2009

They offered a compromise, then sold our condo at auction.

by weathermaster From Big Lake, MN on October 02, 2009

Aurora was great,They modified are loan from 2100 to 1300,every boby was friendly and helpful

by Darren Cleveland From Oakland, CA on October 01, 2009

I've heard nothing but horror stories about aurora,and my experience with them is the same as everyone else. We just got to get them in front a judge and go from there.

by Doug From Sherwood, OR on September 30, 2009

I even got a buyer lined up that would pay more than they would get in foreclosure, but my inability to sign a promissory note resulted in them denying the short sale in favor of less money from a foreclosure, what a bunch of clowns.

by J. Alan Ayers From Arp, TX on September 23, 2009

Aurora advised doing a loan modification to combine both loans into a 30 year fixed because I seemed to be getting nowhere with extra principal payments. To qualify, I was told to not make a payment, I needed to be late. I waited on paperwork to arrive and weeks later started receiving foreclosure notices and could not get any answers. It has been over a year, 3 forbearance plans later, countless hours on the phone and a different answer each time I call. I received a notice once again saying DENIED because the payment I wired them 3 days early didn't get there. I either make too much money, not enough money, house value is too high or too low and I don't qualify. They called one time and said that I qualified under the Obama plan, I was excited to know the payment had fallen several hundred dollars but only after two weeks another letter arrived to tell me that my dream home was selling at public auction 4 days later. I was told by Aurora to not make my payments on the second loan also because it holds no collateral and doesn't matter. This seemed odd to me but after all they are the lien holder. Not long afterwards Aurora sold my second which meant the loans couldn't be combined for a modification. I've worked extremely hard to update my home and improve the value but feel that it is trying to be taken from me. This nightmare began simply by taking Aurora's advice. I was making my payment and just trying to pay off my home early when I was advised by Aurora to modify my loans. A refinance with another lender is basically out of the question because of how this has affected my credit. I finally met with my attorney today and there will be a class action suit against Aurora. I will send a further post with more information because we will all need to unite in this matter.

by Sue From Sacramento, CA on September 23, 2009

This company is owned by a conglomerate of investors and they are not allowed to modify any loan. Is there anyone out there that has been modified. If you did feel damn lucky. They totally SUCK! I never signed my loan with them it was bought by them with a bunch of others. Seems like a really fishy scam going on down there. I bet the employees get bonuses every time they deny a mod.

by greg hall From Sedro Woolley, WA on September 19, 2009

Same story as everybody else. Would not modify my loan. Have they ever modified a loan? Ever?

by James From Riverside, CA on September 17, 2009

Horrible customer service, it was a waste of time speaking with them

by anonymous From Miami, FL on September 11, 2009

People the web page for the Consumer Affairs Dept is that above; please let's all go to that web page and file a complaint against Aurora; since we all need to be united and fight that monster called ALS

by Anonymous From Sunnyvale, CA on September 09, 2009

I have tried to work out any loan modifications with Aurora over the past 2 years and was told NO. I even tried HUD assistance and all that I got was an official letter from Aurora telling me NO. I am pending foreclosure and now hope they eat my house. I am fine renting for the next 7 years as this caused me to file under Chapter 13.

by anonymous From Plainfield, NJ on September 01, 2009

They really give people a hard time. All we want is a lower monthly payement. I've been dealing with them for three months already and they said that I have too much debt and my salary is not enough. My question is...then how did I get approved for this loan?

by Vita From Lilburn, GA on August 31, 2009

Everyone should file a complaint with the Office of Thrift Supervision. They are the government agency that regulates Aurora Loan Services. My Story is the same as everyone elses so I won't go into it. To file a complaint, use the information below: You may print your email, sign it and either fax the signed email to the OTS at (202) 906-7342, or mail it to: Office of Thrift Supervision Consumer Response Division 1700 G Street, NW Washington, D.C. 20552

by back-end From Arnold, MD on August 27, 2009

I'm scared!

by anonymous arizona From Scottsdale, AZ on August 26, 2009

We too are experiencing financial hardship and are soon to be two payments behind. I called and applied for the government backed home modification plan. provided financial info over the phone. Three days later (on Sunday) recieved called asking for past due pmt. Explained i was told we were in pre approval for loan modification and wouldn't have a pmt due until 10/1. She then says we were denied. What??? Their employees are not only rude, they're ill informed and everyone I've talked to has a different story. It appears they don't want to help at all. i'm out of energy to write or call 'higher ups'. This is too much to bear, however I'll continue the fight with ALS and pray for a poitive result. A class action lawsuit would be great, but will it come soon enough? What else can we do?

by Wendy Russell From Hadley, NY on August 25, 2009

We were told 4 months ago that we were on a trial basis for the Obama Loan Modification. They stated to not pay one month and then the trial period would begin. Last week, they told us that we don't make enough and that we don't qualify for that loan, but maybe the other loan modification loan. We are now receiving foreclosure notices, payments that we agreed to make on time and did are being recorded now instead of 3 months ago. Came home today to a collection notice on my door. We too get a different answer every time we talk to them. They don't have any supervisors available either! They don't care! I'm in for a class action if anyone else wants to take them on! This is pathetic. What happened to the American Dream! Bend over and kiss your butt goodbye!

by vikieredia From Torrance, CA on August 21, 2009

here i am reading this stuff about this company. Please Please Theres gotta be someone to start a class action law suit. Everything anyone has said about this comp. is true. One day someone tells you something the next day you get a different answer. I donnot see how this company can stay in business. the ppl working here dont no their ass from a hole in the ground. 8-21-09

by Anonymous From Lakewood, CA on August 20, 2009

Aurora Loan Services is the worst lender that anyone can deal with....

by Anonymous From Castaic, CA on August 19, 2009

the worst of the worst!!!!!!!

by SPR From Miami, FL on August 19, 2009

We had a short sale pending for more than six months -- we hadn't missed a payment at the time we entered into contract. At some point we found out Freddie Mac had underwritten the loan and that's what was taking so long to get an answer (per Aurora --who lost several documents and held the process up further). They came back to us and told us we needed to sign a promissary note for $25K -- $500 monthly payment for the next 5 years. The short sale and foreclosure are moving on simulatenous tracks so whoever gets there first "wins". We have a child who was born with special needs who has had some unexpected medical issues and my husband has had unsteady and unreliable income. Our son was born after we purchased our home which is now not even worth half of the $420K we paid for it in 2006. We told Aurora we didn't have the $25K to pay, and they denied the short sale so we are on our way to a foreclosure. We NEVER thought we would find ourselves in this predicament. Something's gotta give.

by patricia From Virginia Beach, VA on August 18, 2009

REALLY?? This is a real company? REALLY?? No one can answer questions. No one knows how to receive or find faxes. They are excellent with the 'Please Hold' on the phone. I didn't qualify for any type of special help. I paid on time for years until I got hurt at work. I tried to work out a short sale, but since I can't get any help or info from Aurora, they are foreclosing next week.I can't believe that one company could have so many clueless, incompetent employees and be able to stay in business.

by Anonymous From Henderson, NV on August 09, 2009

this company has no clue as to what they are doing in the mortgage department. they will accept a short sale but help me reduce the principal. doesn't make since to me, but these people are brutal....

by Stacey Talley From Bushkill, PA on August 07, 2009

by Anonymous From Savage, MN on August 07, 2009

This is the worst company I have ever dealt with. I've been trying Since October of last year to modify my mortgage. After months of waiting and resending paperwork they decided to RAISE our monthly payment!!!!! I am now filing a report with my state attorney general and checking into legal help as well as any other help I can get. I will not go down without a fight. It is not our fault that my husband lost work or that our interest rate jumped up so high. We are both working, but not making what we were. We filed bankruptcy and don't have naything outside of normal living expenses. The vehicles are nearly paid off and we can't exactly cut out daycare, gas, electric, etc to make a ridiculously high mortgage payment. We won't quit without a fight! This company's greed will bring it down. I have faith that if enough of us fight, and fight hard, we will win. Look at the other companies out there who operated on greed...they are starting to be brought down.

by Anonymous From Salt Lake City, UT on August 06, 2009

This company is very difficult to work with. Your are not able to talk to the same person twice and some times your are left on the phone through the voicemail system for hours without knowing if you are going to ever be helped. Very frustrating company to deal with and some of the people do not know what they are doing you get three different answers if you talk with three different employees of this company. The have cause me to go into financial ruins which I do not see how can ever repair this problem. Look out if they say they can help you!

by Anonymous From Denver, CO on August 05, 2009

I worked in the loan modification department and what a mess it was. They don't have a clue what they are doing. The staff is very "green" and don't know how to do their jobs. The managment is weak as well...makes for a mess, and a mess it was. I got out!They need to bring in some seasoned mortgage professionals to get it under control.

by Anonymous From Ocean City, MD on August 05, 2009

by Concerned From Sun City, AZ on August 04, 2009

I have a comment for the fake posters stating extremely favorable dealings with Aurora. The first thing you might consider is correcting your consistent spelling errors and Asian / Indian writing patterns...it is a huge give away that you are a phoney. (Posting false statements is fraud...shame on you Aurora!) Further, the individuals who stand so fervently upon their high moral ground about responsibility should take a good look at AIG and the other arrogant bastards who once ruled the world...those who are at the top can be knocked down. Be humble in other peoples pain. The loss of a career, sickness or other problems has always affected finances...no one is immune. And lastly, for you who are surprised at Aurora's treatment of the bottom line; the almighty dollar is the most important thing to everyone...obviously, even to you.

by Ebony From Lansing, MI on August 03, 2009

Always paid my mortgage on time, until Aurora upped the escrow because they didn't pay homeowner's insurance and double paid property tax. Tried to work out arrangements and paid on time, they denied modification because I paid what they said was a new amount, then told me they were foreclosing in a week. After many tears they said someone would get back to me...and they didn't. They sold the property and never told me. I was working out of town and came home to find the locks changed and all of my belongings gone. This was BEFORE the legal redemption period ended. In my opinion they are the WORST CROOKS on the planet. I had almost entirely remodeled the home (roof, doors, floor, lawn, kitchen, etc.) and they sold it for $75K!!! If someone is suing them I definitely want in.

by Andre & Serena Arellano From Bonita, CA on July 30, 2009

Who's with me on a class action law suit!!!! I will be meeting with my attorneys tomorrow who I have paid 10k so far. If being represented by an attorney can't save your home what can? Does Obama himself need to call up for a loan mod?? Our attorneys have tried to work with ALS since December, We were always on time and ALS would not work with us until we missed a payment. We missed a payment and they were all over us like flies on excrement. We got denied the first time because we didn't make enough money, denied a second time because we had too much outstanding debt. Filed bankruptcy to try to save the house as suggested by our attorney, loan modification denied again. WTF. Cashed out our 401 k....still denied. Got two new jobs bringing in a ton of money and still got denied! This isn't right I am interested in suing this company for the financial hardship It has caused me and my family. We have drained every bit of savings we had. We just got the notice of trustee sale. We need to be out by August 21st 2009 HELLLLLLLLLLPPPPPPPPPPPPP HELLLLLLLPPPPPPPPP HELPHELPHELPHELP Please email if you are interested in suing this company. Serious people only!!! dresgirl@hotmail.com, dresgurl@gmail.com

by wont say From Sacramento, CA on July 28, 2009

WOW!!!!!!!!! Someone needs to do something with aurora and fast, I cant believe what I am reading. My loan was sold to aurora, and let me tell you how disappointed I am with them. We missed our first payment in 3 years, since owning the home. A year ago we tried like hell to work with them on some type of relief. They sent us all the paperwork, and it took them over 3 months to send us a rejection letter in the mail. Our loan was almost 500,000 interest only, we were upside down, our interest rate was 8.25 % and our payments were close to 4000.00 a month. They said we made too much money to be considered, we gross 6000.00............how is that?? I have one word for the money hungry people at aurora and that's Karma.....its a b#*ch!

by Anonymous From Puyallup, WA on July 20, 2009

Aurora has been great. I contacted them in early May, after having lost my job in February. My modification under that federal program will be complete in two weeks, paperwork and modification package all done! I was what they called "one of the first to go through the process". It did take investing time on my part to lay out and look at our finances alongside the federal Making Home Affordable plan guidelines. When I looked at the numbers and realized that we were the right candidates, I contacted Aurora. They were helpful and nice from the start. Every experience with over-the-phone customer service will inevitebly contain at least one not-so-nice representative, so that is a given. I had only one, out of six persons I spoke with. Do what they ask for, wait the specified amount of time (yes, it takes TIME for them to process the immense amounts of paperwork) please be patient....we (those asking for extreme help on our mortgages) should be understanding in realizing what an aid they are doing for us in modifying these mortgages. Be nice and courteous, and I would expect that you will receive the same courtesy in response.

by Tommy From San Jose, CA on July 14, 2009

In May 2009 I called Aurora asking for qualification about Obama's MHA modification program. Spoke to rep Patricia, she ran numbers, and said I DO qualify for MHA modification based on 31% income/loan ratio. She said it would drop my payment from $5000 to $2000. I was sooo happy when she told me that. She said in order for me to qualify for this MHA program I would have to break my Repayment Program that I was currently in with them. So I agreed and made an additional $3000 payment on the phone with her. Gave her acct and check#. I needed to agree before they change their mind. She said I will recieve package in mail and need to sign and send back. I called back a week later to make sure that the $3000 over-the-phone payment was processed and if everything was still good with the MHA qualification. I was shocked to hear that I am now NOT qualified for MHA program. I asked "what happened, i was told i qualified last week." She said last week she "didn't have something pop up on my screen that denied you, like it did this week". WTF??? I asked her to read what it said to me. She read "even if we dropped you down to 1% and extended your term to the longest 40yr you will still not be able to make the payment." I was so pissed off. Ever since then I haven't paid them a dime. If they want to play hard ball I will play with them. every month they're losing money on this $800K home. If they foreclose on me they will lose out. Why can't they see that it is in their best interest to help home owners? Oh...and what is my hardship? I was laid off in Dec. 2008. I hate Aurora.

by Timothy From Englewood, FL on June 24, 2009

Lost my job back in October and can't find another for the life of me. I'm in a dead zone. I'm trying for a modification right now. 90% of our income is going towards the mortgage payments. We are squeaking by paying only $997 in interest every month, with the remaining household income. Haven't missed a payment yet, as it is always the first priority, but it is only a matter of time before we come up short. My loan is owned by Freddie Mac. Don't know what to do Aurora rejects my application. We will quite literally be on the street. I had more than sufficient income when I got the house 30 months ago. Now it's all dwindling. What do I do?

by Robert Soper From Huntingtown, MD on June 23, 2009

Absolutely horrible! Customer service and support is pathetic at best. They have absolutely no intentions of helping anyone that is currently making payments on time. They make every effort to insulate and isolate the loan decision makers from the customer. I've never seen anything like it. Took ALS 106 days to tell me I was denied for a Loan Mod. The explanation was a complete contradiction and clear my hardship letter was never read or considered. Over the 106 day period I made dozens and dozens of calls and got a completely different story every time. Their investors can kiss my ass, because I will leave the keys on the counter real soon. They have forced me to make a business decision to walk on the house when I had the means to refinance qualify for the mortgage balance. They are greedy narrow minded bastards. I presented a help me help you situation that was in the best interest of the investors and myself, with no request for relief from principle and they discarded my request without so much as a conversation.

by Misled From Charlotte, NC on June 16, 2009

I have been in contact with Aurora Loan for months now. The Repayment Plans they mentioned above are most likely fictitious or the only workout forbearance plans they ever offered. ALS offered a repayment plan for $3000 initially and monthly payments of $2100 for 4 months and they would "think" about lowering my interest rate. They they came back and said the investor wouldn't take $3,000, they wanted $7,000 and a Repayment Plan for 9-12 months for the remaining arrearages. WTF? If I had close to $10K saved, I wouldn't have asked for a modification to for my predatory interest rate to be lowered. Something has got to be done with ALS and their Investors. They are setting people up for failure. They've already gotten most of their money so they don't care what happens.

by Anonymous From Hiram, GA on June 11, 2009

same stories as below... they say they tried to work out something but I showed them how I could make a modified monthly payment and it would work. They denied it and said they were proceeding with foreclosure. I submitted a written plan along with all other documentation and still got denied...

by Anonymous From Los Angeles, CA on June 10, 2009

As of 2008 I am on SSD and a disability pension after a work injury in 2006. I can no longer work. I submitted a loan mod request under ALS Home Retntion plan. My loan is not a Freddy or Fannie. ALS has accepted my loan mod package for review and said I will hear from them within 90 days. I am current on my loan which they said is needed under the Home Retntion Plan. I won't find out until the end of Aug '09.

by Tominator From Tempe, AZ on June 07, 2009

We have been working with Aurora Loan Services to try to work a home retention modification out. My husband and I both work in the mortgage buisness and were laid off way back in July of 2007. We have been getting jobs and living off 8 credit cards, we now both work but are still falling more behind every month because of the high interest rates of both the mortgages and the all the credit cards. The credit cards have reached their limits. We contacted Aurora in November of 2008, and Aurora had told us at that time they were going to modify our loan. We have been in contact with them several times a week and sometimes several times day. They always ask for either one more thing, or everything again. Well last week we got a letter from them saying that they have determined that we can make our payment and that a modification has been denied. We have now missed 1 mortgage payment because they told us we were on a fast list since we were waiting so long and we are trying to meet our other financial obligations.

by sherlly white From Loganville, GA on June 01, 2009

My husband and i have been bamboozled AGAIN. We gave up all of our savings to lehman law firm to help us with a modification and all we got was $100.00 shed off our current mortgage payments. we were appalled and very disgusted to find out that is the best our lender could offer us. now were out of $2,500 with nothing left in our savings with a greater possibility falling into foreclosure. WE NEED GOOD HELP NOW!!!!!

by Barbara Thomas From Kansas City, KS on May 28, 2009

I sent in the paperwork to refinance and they sent me a letter back saying that I was rejected because I couldn't afford the payments. If the interest rate was dropped, I could possibly make those payments in a timely manner, but they say no. If I cannot afford the payments after refinancing, why did they give me the loan in the first place?!

by Lodesa Clark From Ashland, VA on May 28, 2009

I do have to say they tried to work with me on every possible angle. I came up with some of the money in January but they would not take a partial, they wanted all of it. This is what led me to file Chapter 13. My family and I have no where else to go and I don't want to lose my home! If I am given a second chance to prove to them or any other Mortgage Company that I want to get back on top and get my Mortgage back current. I need help!!!!! I will go to classes. If they have to, I would like to have it automatically withdrawn from our bank account so The Mortgage Company will have it on time.

by Anonymous From Raleigh, NC on May 26, 2009

by Anonymous From Puyallup, WA on May 23, 2009

by Anonymous From West Columbia, SC on May 22, 2009

by anonymous From San Diego, CA on May 17, 2009

my husband and i tried two times to have our loan modified. aurora told us that unless we missed payments that they could not help us. we were denied information on who owns our loan. we are very frustrated and discouraged. we have tried to get help before we stopped paying our mortgage, but they refused. we have tried to re-fi 3 times and no one will touch us. B of A recomended we put our home up for sale imidiatly to get out from under it at a huge loss. i am not giving up my home!! aurora has to work with us and they won't. i am very dissapointed with them. they don't care about anything but the bottom line... money

by Las Vegas From Las Vegas, NV on May 14, 2009

The best way to work with Aurora is find out who the investor that owns your loan. You must fax the request in and follow up with investor and the insurer of the investor loan. Example Our investor is Freddy Mac and the insurer is Triad. Triad got involved and we got Aurora to cooperate with a modification.

by Sissy Beery From Orange City, FL on May 13, 2009

They declined loan modification two times, I can make a loan payment, but not at 8.35% that keeps climbing every month. They were not willing to help.

by Anonymous From Woodbridge, VA on May 12, 2009

by Anonymous From Chino, CA on May 11, 2009

The CEO is suppose to be Grant Whiteside and another one called Thomas Wind the email address : Wind, Thomas L send copies to the assistant of larry Summers the Economic advisor to President Obama bryan_jung@who.eop.gov I really think God is the only one that will create justice in this very greed motivated world. So most of all direct your prayers to him.

by Anonymous From Richmond, VA on May 10, 2009

Wow! After reading all of these comments, I will go directly to FNMA to see about the stimulus package loan modifications and whether or not I qualify. Sounds like they are completely unwilling to do anything to help....which is very sad. I disagree with whoever made the comment that they're tired of people not taking responsibility for their mortgage loans. That person is completely insensitive and obviously independently wealthy OR has a second income. No offense, but when you lose your job and you are a single income household, you're pretty much screwed when the maximum unemployment available is around $9ish an hour and you were making really good money. After all, mortages are based on your income. It amazes me how many people think everyone who can't pay their loan is a loser. Walk in my shoes for a while - I have excellent credit and always have...still do, but who knows for how long. It is not my fault the entire economy plummeted due to greedy, unethical loaning practices and predatory lenders. So, why am I being blamed for all those loans that never should have been issued?? Hmmmm....when I can actually get employment, I can afford my mortgage. Problem is, the unemployment rate in my area is between 8 and 10%. I've sent literally hundreds, if not thousands, of resumes with no luck. I have come in a "very close second" several times. No one ever stops and thinks about how much harder it is when you are a single income household. If you are truly that cold and non-compassionate, screw you.

by mark whitworth From Cumming, GA on May 06, 2009

Yes; I put money away for the bad days. 6 months in savings.I HAVE BEEN ON TIME, BUT IT IS GETTING HARDER TO MAKE ALL the ends Meet LOAN SERVICE SAID I DON'T QUALIFY FOR a MODIFICATION SO I WILL GO ELSEWHERE. I PAY MY BILL Before I BUY GROCERIES.

by Anonymous From Elizabeth, NJ on May 06, 2009

i have the same issue with them they need to be shut down ,i sent a complaint to the treasury departement

by Dennis From Las Vegas, NV on May 05, 2009

If you look at the posting of success stories at the beginning of this blog by Aurora you will notice that one says a modification. It is not a modification but a forbearance. This goes along with almost everything I have read and personally experienced in dealing with Aurora "they do not tell the TRUTH". I have been trying to get a loan modification after having lost my job due to the company I worked for going bankrupt because of the economy. I did find a job but at half the pay. I have been getting the runaround as all of you have stated in your comments. So in frustration I went to my attorney for help. He has filled a "Qualified Written Request" which under law forces them to provide all of the original loan documents including the note. They have sixty days to provide the docs. Our intent is to play hard ball. I did not create this economy, it was companies like Aurora that contributed to this mess we find ourselves in. A lot of the other servicers/lenders are participating in Obama's plan announced on March 4th of this year. However, you will not find Aurora on that list, what does that tell you??? I would suggest that all of you talk to your attorney and take an aggressive approach otherwise it is my belief that you will get nowhere with Aurora.

by lugo zignia From Orlando, FL on May 02, 2009

I never got a rude person on the phone, they are caring of my financial situation, I am now producing an income, but not enough to stay in the same loan program, it need to be modify, and the principal reduce to current market value, they should go after the mortgage company that sold them that loan, the mortgage company was owned by the builders. They are the one who made out like bandits, and should payback these over price houses, which did not keep their value.

by Anonymous From Ponder, TX on May 01, 2009

This is company is absolutely awful!!! We asked for a minimal temporary payment reduction during a time of crisis and they started foreclosure proceedings instead. We worked with them and agreed to a short sale as a very last option. We sold the home, they made us pay a $70.00 transaction fee at closing and then they sent us a bill for over $50,000 two weeks later for the remaining balance!!! It will be a cold day in &*$% before I will pay that bill!!!

by Anonymous From Los Angeles, CA on April 29, 2009

We were in the process of trying to rebuild our home when the market crashed. We had already spent tens of thousands of dollars to obtain plan/permits, $10,000 of which were to our taxes based on the value the home SHOULD be worth. In the meantime the marked bombed and our plans were put on hold. We had not paid our taxes however because we were planning on rolling them into the new loan. My husband had called the Assessor, explained the situaiton, and was told we had until June 09 to pay the taxes and in the meantime we were working on getting a credit for the $10,000 we had paid. Low and Behold, guess who decided to pay our taxes for us and more than doubled our mortgage. My husband and I have spent countless hours on the phone with Aurora trying to work this out with no luck. We have sent all kinds of letters/forms that they claim they have never recieved, and we re-send them, and the cylce continues. We have offered to pay our mortgage and asked them to suspend these tax/escrow fees until we can get this matter resolved and they refuse. They say that they will take our money but still report us to the credit agencies. Our issue with this practice is that Aurora made absolutely no effort to warn/ask/notify us that they were going to pay the taxes and almost triple our mortgage. Had they done so, obviously we would have done something. Now we're screwed. What is everyone doing?

by Jerry From Beverly, MA on April 25, 2009

This company ripped me off! They took my home from me and my family. SCUM!!! They need to be destroyed

by Gajendran Ramen From Santa Rosa, CA on April 17, 2009

No customer service to help. They have only automated voice mails. They used to be Lehman brothers. Now they are debt collectors. OCWEN is the same too.

by Anonymous From Miami, FL on April 16, 2009

by Anonymous From Maricopa, AZ on April 15, 2009

Aurora has been giving me the run around for a short sale for months now. My realtor and I have sent them the required paperwork over a dozen times and they keep saying that "my packet is not complete". Liars, they are dragging out the process. Today I called and they said my packet was assigned to a loan mod specialist and it would take 8 weeks for a decision. I am not doing a loan mod, but a short sale. The aurora staff member said they have me down for a loan mod. That is impossible. They have my listing agreement, did a BPO and has both of the offers from the buyers. They are playing games. I don't know what to do at this point. No one is helpful. I think a class action suit is in order. Or, we can all just let our houses go and say screw them!

by PissedoffinColorado From Strasburg, CO on April 13, 2009

Our situation is pretty much the same as all the above. Financial hardship set in, and ALS won't modify our loan for us. Our government needs to step in, seize all their assets...everything!.And then send letters to all investors that own every loan through ALS to say we regret that your investments have been lost, rendered worthless, seized, or say nothing....whatever they want, but as investors you realized there was always risk involved. Moreless the same thing my Mom & Dad were told when they lost their life savings thanks to Ken Lay and Enron.... (The meat & potatoes of this country have been preyed upon long enough.) Then our Obamament could modify all the loans to make them affordable for all homeowners. All this country needs is MORE foreclosures, ...and maybe higher taxes so more can be thrown into the feeding frenzy that allows the greedy sharks swimming on top to gorge themselves with the fruits of our labor. Come on OBAMA...help your employer----ALL OF US. This county has been abused and led down into the depths by greed long enough!! Now I'm pissed off again. Guess I'll go kick & punch my bag some more.......

by Frustrated From Charlotte, NC on April 11, 2009

I am currently in a Chapter 13 which was the only option I had since ALS wouldn't work with me. BTW I did not choose this company, my loan was sold to them. They advised me I did not qualify for a loan modification. Confused all night long, I called this morning and spoke with another Rep. He asked me the same series of questions and advised that that I would qualify, but would need permission from the Trustee. I was excited for maybe 5 minutes when he told me that most likely because my loan is a high risk loan and basically a subprime, my modification mostly will not be approved so don't waste my time. He indicated that since I am paying PMI for the past 7 years, the Investors are getting their money either way so they don't care if I foreclose because the investors are protected. So people do not waste your time or even give your hopes up. I'm praying the Senate votes next week for the mortgage cram down. A substantial amount of dedicated, hard working homeowners that have been affected by the economy can really benefit from this.

by Anonymous From Syosset, NY on April 10, 2009

they are completely unresponsive. they ultimately just want to take your house. they are not interested in helping you stay in your house. would be interested to hear if anyone got a modification or got them to lift the prepayment penalty once a lawyer got involved.

by Nate From Becker, MN on April 03, 2009

I bet all you people voted for Obama. Why don't you call him and maybe he'll make ALS ( A private business) modify your loans. I too have a loan with ALS for 4 years now. I have been laid off 3 times during those years, I have worked my butt off to make sure I can keep paying my mortgage so my kids have a nice place to live. I'm sick of nobody taking responsibility for themselves. Aurora is a business, not your mother. It is not their responsibility to be empathetic to your money troubles; they bought the loans to make money for the stockholders of the company!!! Why should they work for free! I have a neighbor who just got a modification from their loan company. They haven't made a payment for almost a year; yet they have all the toys ( 4 wheelers, boat, motorcycle) and a cabin!!!! What Gives???

by charles higgins From Jacksonville, FL on March 28, 2009

by Anonymous From Rancho Cucamonga, CA on March 25, 2009

ALS is a debt collector.They are a nasty blood sucker collection company. They are exactly a nasty blood sucker collection They do not care about homeowners. They are there just to make money from poor home owners and pay their bills. Majority of the loans are with US Bank, Bank of New York and Lehman Brothers that is currently in bankruptcy. All 3 have the heights non performing note and foreclosures in the nation. So, why can we just deal with the investor directly and eliminate ALS from the picture. Well due to profit of serving the loan, they will not want for you to know that they are merely a debt collector. In the last 10 years ALS encouraged and paid top YSP to brokers to submit low FICO high LTV, Stated and No Doc loans. They made a lot of money on these loans and now that you are asking for modification, they want to see if your income was verifiable at the time that you took your loan. So why offer a No Doc loan. Mortgage Bankers such as Aurora are the ones to be blamed for the crash of the banking and real estate market. The big guys made money and still financially secure. Poor home owners with no help at all. Good luck to anyone that is trying to get loan modification from Aurora Loan Services. They have no contrail over the investor. Only hope is for borrowers with government insured loans FNMA.

by gary From Walton, KY on March 25, 2009

same problem with a false escrow. now they want a repayment plan and 3500 in late fees and attorney cost. has enyone accomplished anything with sueing. please let me know. thanks

by Idaho Spud From Boise, ID on March 13, 2009

I am sick and tired of people blaming homeowners who are upside down in their homes and cannot sell that they purchased more than they could afford. The problem is that the banks encouraged people to buy high with no mortgage insurance and now the prices have plunged because these crooks threw out all the rules. When a homeowner loses their job, they would glady sell - but can't becasue their home isn't worth what they paid for it. I have been selling Real Estate for over 30 years. I go into homes everyday and the problem is not that they people can't afford the homes - it that they can't sell them. Not value ...and with all the money that the banks have been given - they aren't helping people modify - they ask for tons of paperwork which they lose five or six time and then the file sits around for 2 or 3 mos until the values have dropped even more. They won't even work with you unless you stop making your payment - so they force the homeownerto quit paying and then after 3 mos deny the modification or short sale and foreclose. They then list the home with select Brokers who are so over loaded with listings that they don't put up signs, they don't do flyers, they don't put photos in MLS - They don't give the listings out based on quality of agent - I don't know what criteria they use. This then again insures that we taxpayers won't get top dollar even at the forecloure because they only list with these select agents. The banks couldn't do a worse job if they tried. They make you quit making payments, they won't tell anyone what the criteria is that you are supposed to meet to qualify for a short sale or foreclosure. This is the best kept secret in the world right now. None of the banks have taken the time to post what is required to qualify or what paperwork you need to submit on their websites - they won't even send the paperwork sometiimes until you get an offer on your home. You just have to guess at a price because they won't predetermine a price with you before you try to sell to avoid foreclosure. It is the worst system ever. This is why they are in trouble. Why can't rhey figure it out. It is unbelieveable. I feel like we are in the Twilight Zone. The system is set up to fail. Listen, the problem isn't the poor homeowner - they acted in good faith 99% of the time - it's the system people - so get down off your high horse and have some compassion.

by homeless in paradise From Steamboat Springs, CO on March 12, 2009

time for a class action suit??? ALS' practice of pattern denial is similar to health insurers. Is it an internal ALS conspiracy to put you into foreclosure? I am sure Obama is going to help us...ha

by Anonymous From Fremont, NE on March 12, 2009

they have either lost my paperwork, or don't care to help me. I have tried to modify my loan, by sending them my file of orignal loan papers, pay stubs,etc.

by Anonymous From Mount Rainier, MD on March 11, 2009

by Jones From Coolidge, AZ on March 10, 2009

No Loan modification form letter. We are current on our house however the intrest rate will adjust becasue the value has droped we will not be able to refiance. I called themand they tok all my information and sent us a from letter denien the modification. The letter states as of the date of this letter Aurora has closed its file on the matter. Normal Collection activites will contine. WE ARE CURRENT. based on everything we read on this site we will file compalints with everyone we can.

by Anonymous From Everett, WA on March 04, 2009

I have only to say I agree with every negative comment made here. We should all listen to the person who posted the Office Of Thrift Supervision Address in Washington DC and file a complaint. Now with the new administration maybe something might be done with these crooks.

by Tim Oehmke From Livonia, MI on March 04, 2009

by jwc From Fort Lauderdale, FL on March 03, 2009

Horrible people. Nonsensical service. Hard to imagine something so heartless. By not working with us, there is MASSIVE trouble headed their way. Unthinkable as to how they can even function or exist for one day.

by Anonymous From Funkstown, MD on March 01, 2009

we have been with aurora for three years. i got laid off when we moved in.put me on a plan half way threw they told me it didnt work so they put me on another that too didnt work they said they didnt take enough out to get us ahead. been going threw this for three years. finally got it pd off thinking we would go back to reg payment now they want 4,000so they can go a modification loan.5050 chance they said because they said that we broke the plan that we was on. they broke it because they didnt put enough money on the plan to get us ahead.make out it was our fault now that my husband is laid off they dont even want to hear what we have to say we even went to get help with the hudd people they wouldnt even work with them. thats sad.there not getting there 4,000 and not help us to modified our loan.i will fight to the end even though we will probably lose our home. we will being seeing a lawyer people beware of this company. they dont know from their heads to their a**es . we will let you fill in the blank.thanks for your time. from hagertsown md

by We ARE responsible From Jacksonville, FL on February 28, 2009

Some of these comments refer to the homeowners not being responsible and not reading their loan details. We signed for a responsible loan at a great interest rate. We didn't have a single late payment for 3 years. We found ourselves in a financial hardship situation and couldn't pay our real estate taxes or homeowners insurance. Before we could work it out, ALS paid taxes AND insurance (at a rate that was 3x a normal rate) and slapped it on our escrow, which has to be paid off in 12 months. Our loan went from $1300/month to $3000! They won't work with us. The most I could get them to do was extend it over 24 months, so now we're paying $2500/month. We can't afford that. It has nothing to do with an adjustable rate. It has nothing to do with buying a house that is bigger than we can afford. This has to do with expecting normal working people to instantly double their mortgage payment and somehow not lose their home. Now, as responsible as we can be, as on time with our payments as we were, they won't help us, they can't modify our loan (because it's an escrow issue, not a loan issue) and there is NOTHING that they will do to help. But we'll lose our home because of it.

by Brian from Ventura From Ventura, CA on February 26, 2009

To Mary from Aurora in Co. Do you stand by your company's customer service?? By the way, I understand what you wrote but my loan was bought by your shady company so I had no say in the deal you dumb bitch. If I had the choice I would have never went with Aurora. Your company's greed is the problem in our country right now. Answer this, why would Aurora tell me I could modify and to make extra payments above my normal payment until they modified, which they never did? Why could a colleague of mine who is in the same boat as I and he modified with his lender himself in just a few days. Why can't Aurora be like that Mary??? Luckily I cut it off after 11 months. I can't wait to hear about Aurora going down so that all of you that work there are out of work.

by Sean From La Habra, CA on February 26, 2009

Have dealt with Aurora in the past on issues unrelated to modifications and they were decent over the phone. Called one time to check on loan modifications due to wife on disability and new child and they had no care in the world. Told me to get second job. Not sure what will happen in the near future, but take my house and loose your ass. The house is a not worth what I paid and they can eat the cost.

by Mableton, GA From Mableton, GA on February 25, 2009

Aurora Loan Services is the worst. They will rather my house go into foreclosure than modify my loan. I originally financed my house through a bank and it was sold to these clowns. They are totally unprofessional and I hope this company goes belly up!

by TC From Encinitas, CA on February 23, 2009

Well, just as I thought...my choices with this company are to either short or pay an enormous amount to get caught up. Time to sue. If you'd like to join suit, email me: timnkerri@cox.net I refuse to lose my house because they are not modifying. My house is worth $650, loan is for $950. They will not budge even though the economy worsens every day.

by mary From Aurora, CO on February 22, 2009

Uneducated homebuyers are generally disgruntled homebuyers 9 times out of ten they do not uderstand but sign anyway! Use logic if you do not make enough to pay a modified payment then why would the company mod the loan? Who would that be helping? And DON'T Sign what you don't understand this is a mprtgage on your home be an adult and take responsibility!

by BMorris From Houston, TX on February 20, 2009

I can't believe this is happening!! Aurora Loan Services is going to foreclose on us and it's only been 4 months, I've asked for forbearance and a loan modification and had to wait 60 days for an answer.....DENIED. With the major hurricane Ike and layoffs you would think they would be willing to help people out, but i guess there in the business of putting families on the streets!!! GOD DON'T LIKE UGLY!!!!!!!!!!!

by ivan fernandez From Sanford, NC on February 19, 2009

by Anonymous From La Crescenta, CA on February 18, 2009

Aurora,they are a pretty cold bunch! My loan was sold to them back in early 2008. Even when I called them (when everything was ok) to register about making online payments... they were pretty rude!!! They say they participate with the Hope Now program...they still do not want to help!!!!

by Take Responsibility From Costa Mesa, CA on February 13, 2009

Did it ever occur to any of you that Aurora is a "loan servicer"? This company was not made to do loan modifications or short sales and it is a service the are trying to provide. They are stuck between you (the home owner) and the person that owns your loan (the investor or group of investors) I find your stories interesting and at the same time think to myself there are two sides to every story told. Whats being left out here?? These people arent miracle workers and have to work with what they have. Just like one poster said, You signed a contract! Did you even bother to read it? Now you cant make your payments and of course its everyone elses fault but your own. Take responsibility!

by Anonymous From Oceanside, CA on February 13, 2009

This company doesn't have any compasion at all. You would think that with the economy continues to go down, that they would help. No help at all from them. Instead, they will blame you for having your situation right now. Talking to them creates more stress.

by TC From Encinitas, CA on February 12, 2009

Have ben trying for one year now to modift my loan. My house is worth a amx of $850, it'll short for $650. I've paid these rotten bastards almost $200K. You'ds think they'd have some sympathy. So far, no good. I'll hear back by mid-March and will report back on this site. However, I do not like this compnay. Thety could care less about you, just after the money. My gut says they're not bending and will force me to pay my late payments. Trouble is the economy worsens and my situation isn't improving. So, some other person will get my house for $650, even though I've BEGGED them to give me a 40 year fixed for $850. A stubborn company, my attorned is going to get involved soon.....

by ARTURO ALVAREZ From Laurel, MD on February 12, 2009

by Anonymous From Farmington, MN on February 11, 2009

They are rude! I recently contacted them to see if they can help us, my husband was laid off and we are behind in our payments. The lady told me to "relax and do some yoga or something" and then told me to take a loan on my 401(k) to pay the mort. current and then they would "consider" a loan modification. I can't send them the only savings we have in the event that we can't keep our house and have to move. I started contacting them months ago to try to be proactive but they wouldn't help then either. I don't know what we are going to do.

by CHRISTINA From Des Plaines, IL on February 08, 2009

I have been trying to sell my home through a short sale since June of 2008 and Aurora is denying this even after recieviing all of there money at closing. They would rather have us foreclose then close on this freaking deal. They are impossible to work with and there is no chance in hell of talking to a manager. They all know what happens to foreclosed properties. No one wins in this situation.

by Sharon From West Palm Beach, FL on February 05, 2009

Has anyone had any success getting approved for a loan modification? I've been trying since last October - 08. They only want to set up a repayment plan. And keep denying my request for a loan modification. I'm at a loss at what to do next!

by Anonymous From Saint Petersburg, FL on February 04, 2009

Through lawyer negotiation Aurora sent me a letter agreeing to modifying my mortgage. Then they sent me a letter saying they would not because I owned a truck, and would have to sell it. I am an independent FedEx driver, and need my truck for work. No truck, no income!!! Every time I call they refuse to give me their name so you cannot speak to the same person.

by Anonymous From Medford, MA on February 02, 2009

Someone needs to drive to their office if it exists and see if they are a legitamite company. They suck suck suck

by Anonyamous From Rialto, CA on January 30, 2009

We were on a repayment plan, with a balloon payment at the end of it. We were told that in the mean while a loan modification would be in the makings so that it would be approved before we would need to pay the $8,500 balloon payment.The balloon payment would be put into the rears of the loan if the modification is approved. We had gotten notification from Aurora that our modification was approved, but the terms of the modification was not affordable to us. Once our bills and living expences were factored in along with the new mortgage payment we were up side down. Aurora claims that this is the best that they can do for us either we take it or leave it. When they first began to talk to us they promised that they would make the new payment affordable to us. They were not willing to make it affordable eventhough it did not make since on paper. We asked for a 40yr in stead of a 30yr just to make the monthly payment more affordable they said no. We asked if the $400 per month in taxes and ins. could be paid sepertaley to make the monyhly payment more affordable, planning to use our income tax return ea. yr. to pay for taxes and ins. . They also said know. This is your only option if you can't afford it then you must walk away from the home. I thought that the banks are supposed to work with home owners to make there payments affordable and forclosure should be the last resort. We have choosen to take the modification and work a second job to make up the diffrence. Long enough to rebuild are credit, and to eventually walk away from this home. Hoping that this current market situation will remain the same for as long as it will take us to work on our credit. If we can buy a forclosed or repoed home for a lot less cheaper and get a good intrest rate we would be paying a lot less than we are going to have to pay now.We origanilly got behind when I was unemployed and going to school. My husband had gotten sick and was in and out of the hospital for several months and was only receiving 50% of his pay. He's back at work full time and I'm now working full time so we can afford to pay just not the unreasoable amount that there asking for.

by Anonymous From Gilbert, AZ on January 27, 2009

by Anonymous From Compton, CA on January 22, 2009

My experiences have been the same as most stated above. I asked for a loan modification before I got behind. They denied me twice then offered me a short sale. That makes no sense. Submit your complaints to your state senators and then to the Office of Thrift Supervision, Consumer Affairs Department,1700 G, Washington, DC and they will send you a complaint form to complete and send back to them. We need to fight back!

by Anonymous From Compton, CA on January 22, 2009

My experiences have been the same as most stated above. I asked for a loan modification before I got behind. They denied me twice then offered me a short sale. That makes no sense. Submit your complaints to your state senators and then to the Office of Thrift Supervision, Consumer Affairs Department,1700 G, Washington, DC and they will send you a complaint form to complete and send back to them. We need to fight back!

by melva fowler From Ocean City, MD on January 21, 2009

by Brian, California From Ventura, CA on January 19, 2009

Any positive comments on this site are probably from Aurora employees. Worst company ever. Do not bother with a loan modification, it will not happen and if it does, the offer will be a complete joke. Every problem listed on this site with this company will happen, poor customer service, not willing to work out a plan, impossible to get them paper work, etc. My wife and I tried to modify for 10 months and paid extra money every month during that time.They took us for a ride. We could afford to keep home and wanted to keep home but needed to modify. All we heard was, "we have not received your paper work," which we faxed over a dozen times during that period. We also mailed the paper work several times. We finally gave up, moved and put the house up for short sale. At this point we have decided to BK and let Aurora take it in the ass since they do not care about anyone. In addition, we did not want to take the chance of having Aurora issue us a 1099 for the loan difference on the short sale. Do not waste your time trying to do anything with this company. They will mislead you. It is my goal to make them lose as much money on my home as possible. Had I known about Aurora I would have never had my loan through them.

by Greg Shimabukuro From Moreno Valley, CA on January 16, 2009

by JOCELYNE CASIMIR From Ellenwood, GA on January 15, 2009

wORST COMPANY EVER.

by Anonymous From Gulf Shores, AL on January 14, 2009

After three months they denied my loan modification and suggested that I would have to pay the next three months payments on time before they would consider modifying my loan. My response was that if I had the money to pay my monthly payment I would not need a loan modification. Their response was if that I did not have the next three payments then I would have to consider a Short Sale or Deed-n-leu. I mentioned also the fact that the property has a $470k loan and the current condos in the area are listed for $340k and not SELLING! The Rep. said that on file the last one sold for $325k. UNBELIEVABLE! that they are willing to take a $140k hit without willing to work with me! UNBELIEVABLE!!!! These people should not be in business!!!! Also I've heard that Aurora is affliated with AIG and we all know that AIG got bail out money!

by anonymous From Lake Orion, MI on January 14, 2009

We are trying to purchase a foreclosed home from Aurora. They have NOT paid any of the bills - water is shut off- association fees NOT paid. They tried to have us quickly sign an addendum stating we would accept any assessments or fees outstanding. That sent up a red flag and after 1-1/2 hours on the phone I found over $2,000 in bills - in additionn to taxes owed. Not sure if we should proceed. Love the house, suspect about the honesty of the company.

by Anonymous From Queen Creek, AZ on January 13, 2009

I work in the service industry wich is suffering as is my paycheck my husband and I are one disaster away from foreclosure! I applied for a loan mod and they told me if they modified my loan that my payment would go up!!! Not only did I fax my loan mod paperwork 5 times and then eventually fedexing it they want to modify in the WRONG direction...how is this helpful! I applied for the H4H program through the FHA and they told my rep that we should short sale that they werent willing to work with us! There are currently 8 homes foreclosed on my street and selling at 200K, I owe 385K I don't understand why they can't see that working with me is the more fruitful option for all of us! This company is completely ruthless and I am thinking of taking it to the news!!!!

by Anonymous From Woodbridge, VA on January 09, 2009

I didn't get my mortgage through Aurora I ended up with them not by choice. They are worst, I called them when I first ran in to financial trouble I was late on 1 payment going on 2. I explained my situation and not once did they mention applying for a loan mod, they put me on a repayment plan and didn't start it until the following month which made me another payment behind I was to do this for 4 payments then pay a balloon payment of the past due, then I was directed to call before the balloon payment was due to rework another payment plan each time the payment went up and they wouldn't let me start until the next month with them doing this they made me 6 payments behind and started foreclosure my last resort was to file a chapter 13 to keep from loosing the home. Now not only do I have that large mortgage payme I have a trustee payment and a home that needs work and no money. They will not work with me on anything and its worse now that I filed bankruptcy. They have no heart for anyone I wish I could find someone that would take over my loan from them I didn't ask for this mortgage company. The say they don't want to foreclose but don't want to help.

by Ginger Kurzrock From Davis Junction, IL on January 09, 2009

by B From Sandy, UT on January 08, 2009

Need I say more.... Court Case notes AURORA LOAN SERVICES, INC., Plaintiff, v. FRANK CRADDIETH and PEGGY CRADDIETH, Defendants-Appellees. APPEAL OF: MIDWEST REAL ESTATE INVESTMENT COMPANY, Intervenor-Appellant. UNITED STATES COURT OF APPEALS FOR THE SEVENTH CIRCUIT No. 05-1858 October 24, 2005, Argued—March 31, 2006, Decided Lead opinion by POSNER 1021 POSNER, Circuit Judge. This appeal by Midwest Real Estate Investment Company arises out of a diversity suit to foreclose a mortgage that Aurora, the plaintiff, owned on the Craddieths' home. The substantive issues are governed by Illinois law. The suit was filed, and a foreclosure judgment entered, in 1999. But for reasons that are unclear, the foreclosure sale was not conducted until October 2004. Midwest was the high bidder, bidding $ 107,818.44. (The appraised value of the property was $ 170,000.) However, two or three weeks before the sale the Craddieths had obtained alternative financing that would have enabled them to retain their home: They had arranged for a loan in the form of a sale. They would sell their home to a third party pursuant to an installment land contract that provided that the "buyer" would hold the title to the property until the Craddieths had made their final payment of the sale price, that is, had fully repaid the loan, at which point the title would revert the Craddieths. On the morning of the day of the foreclosure sale, the Craddieths' lawyer notified the court that his clients had made an alternative arrangement for paying back Aurora. But he mistakenly described the alternative as a "real" sale of the home to someone other than Midwest, rather than as a financing arrangement that would allow the Craddieths to keep their home. The judge, thinking that therefore the Craddieths were "going to be out of their house no matter what," refused to stop the foreclosure sale, at which Midwest was the high bidder. Midwest tendered the $ 107,818.44 purchase price to the court official who had conducted the sale, and the official issued Midwest a certificate of sale. But before Midwest could take title to the property the foreclosure sale had to be confirmed by the district court. On November 16 the district judge convened a hearing on Aurora's motion to confirm the sale to Midwest. At the hearing, at which Midwest was not present, it was revealed that the Craddieths had indeed found a lender who was willing to pay the amount due Aurora on the mortgage. On December 21, the judge formally denied Aurora's motion to confirm the sale.

by tim brady From Baytown, TX on January 08, 2009

lost my roof and 34 trees after hurricane ike hit texas in sept 2008. the insurance check i received was made out to me and guess who? cant get a dime from that ins check yet as of jan. these folks are very rude and incompetent. sorry to hear all the problems you folks are having

by jc orlando fl From Orlando, FL on January 07, 2009

AURORA IS THE WORST OF WORST DONT CARE ABOUT ANY BODY BUT THEN SELF AND YOUKNOW WHAT I FEEL THE SAME WAY TOO.

by Anonymous From Reading, PA on January 06, 2009

They added our escrow twice (once into the principal amount), we sent a dispute letter, they answered with a foreclosure notice...this is now in the court system...worst financial company I have ever dealt with.

by mark towles From Glyndon, MD on January 06, 2009

by pamela breedlove From Huntersville, NC on January 04, 2009

by Max From West Covina, CA on January 03, 2009

I contacted Aurora to discuss a loan modification based on a negative change in my financial status. Per the Aurora rep's advice, I submitted the loan modification paperwork, which was rejected. I resubmitted the paperwork with additional requested documentation. Again I received a letter of rejection. After several frustrating conversations with Aurora, I am convinced that they could care less about the individual mortgagee. If you are struggling to make ends meet, well that's just too bad. Their interest in the property is secure so it doesn't matter what difficulties we may be experiencing, so long as they get their money. I would highly caution anyone seeking a loan with Aurora to look elsewhere.

by Reid Ribble From Monroe, MI on January 02, 2009

Not very willing to help in order for me to keep my house. Looking out for themselves instead of the mortage holder. They are just a debt collector what do they care.

by Reid Ribble From Monroe, MI on December 30, 2008

Very unhelpful during these tuff times.

by jamie nordberg From South Jordan, UT on December 29, 2008

by Anonymous From Compton, CA on December 29, 2008

Yes, to date, all of these experiences are pretty similar to mine. They are nto willing to work with you. I forsee getting behind but instead of trying to help, I received responses "like you might foreclose", "get a second job". This is unbelievable. They may have been willing to help those two people but that seems to be it. I am still working on it.

by Anonymous From Decatur, GA on December 23, 2008

by Frustrated and Hopeless in AZ From Laveen, AZ on December 22, 2008

I have to agree with all the complaints listed on this website. Aurora is not capable of helping people stay in their home. The Loan Retention Dept provides incorrect information and does not take responsibilities. You as the homeowner are basically SOL because you trusted and followed their advise. We like others have fell behind on payments due to my spouse being disabled and eventually losing his job. On 11/08 we were approved for a repayment plan which was to begin on 12/08. I contacted Aurora 10 days before this payment was to be made and was informed the repayment plan was denied but that a modification was started on 11/11/08 instead. I was advised by the Rep the process takes 30 to 60 days; however, due to the holidays expect the modificatoin process to go up to 90 days. The next thing I was told was I will not have to make a payment until I receive the letter approving my modification. I found this a little hard to believe and called back a few days later to speak to another Rep to ensure the information I was given was correct. He reassured me all information was correct and the modificatio process will protect me from the foreclosure process. 3 weeks later I received a NOD in the mail. I contact Aurora to let them know this and to also f/u on the modification process. I explained to the Rep the 2 previous conversations I had and was told I was protected, she advised no and I needed to make atleast one payment in order to avoid the foreclosure process. Keep in mind, after receiving this letter I had one week to provide them with a payment of $1200. I requested to speak to a supervisor and basically to make the story short..she said I was SOL and the two reps were wrong and I was not protected. I find this appalling that we as homeowners depend on this department to help us and work with us to be able to keep out homes, yet they can provide incorrect information which ultimately costs us to lose our homes at the end. It just doesn't seem fair.

by Anonymous From Hanover, MN on December 18, 2008

by Anonymous From South El Monte, CA on December 18, 2008

I think that this company needs to be investigated they do not want to work with anyone in keeping thier home. They do not want to lowere interest rate at all. All they want is money money money money money Dam people

by Juan Carlos Barradas From Opa Locka, FL on December 18, 2008

by Anonymous From Los Banos, CA on December 17, 2008

by Paul Rouppasong From Columbia, SC on December 05, 2008

They were not helpful to help people with financial problem. Lack of compassion for people in need of help.

by Anonymous From Powell, OH on December 03, 2008

Aurora doesn't care about helping people with financial difficulties. I applied for a loan modification since I can't afford my current mortgage payments. I received a letter denying my request stating that I am "financially unable to afford monthly payments." Well DUH!!!! That's why I applied for a loan modification. I hate Aurora and their lack of compassion when people are in financial jeopardy.

by Rob From Glenmont, NY on November 29, 2008

In addition, Aurora chenged my financials and added to my income andlowered my expenses and then said I do not qulaify for loan modification because my income is too high. So now I have to fight this with an attorney because only an attorney is allowed to talk to their legal department and their upper management in home retention. I strongly suggest that no one trusts them when they say you do not need an attorney. The only way to save your home is with an attorney because Aurora has laid off half their employees this year and is most likely going broke; so they do not care and simply deny every borrower who does not have an attorney.No guarantee an attorney will help, but it's impossible to find any borrower who has gotten a loan mod from Aurora who did not have an attorney

by Rob From Glenmont, NY on November 29, 2008

They do not modify anyone unless the borrower has an attorney. Completely dishonest. The home retention department lies from start to finish. Get an attorney or you will lose

by Julie Barnes From Woodbridge, VA on November 25, 2008

They are the worst company I have ever dealt with in my entire life. I will tell everyone to NEVER go with them as a lender.

by carole galloway From Conyers, GA on November 24, 2008

they have always been pleasant and helpful.

by Stephen B. From Upland, CA on November 20, 2008

Aurora does not want to work with those of us who are on time with our mortgage payments. I can only hope that they will sell my loan to another company.

by Alex Goldman From Garrison, NY on November 19, 2008

by Randall Jordan From Chicago, IL on November 18, 2008

by Manuel From Diamond Bar, CA on November 17, 2008

I have been layed off due to these economic times. I have tried talking to Aurora and all they do is say I have to get a job. REALLY.. We have been trying to get help but they have told us in not so many words that they will not help us and that they dont care if we get forclosed on!. I have also been on a couple web sites and it seems that there are many of us in the same situation. Can any one help all of us or are we doomed to stay with a lender that will eventually end up forclosing on all these properties. Thus making this economy worst!!! Thank, Manuel Diamond Bar

by Anonymous From Jersey City, NJ on November 17, 2008

They only offered a one time deal of putting my payments on the back. I wanted a forebearance of renegotiation the payment and they did not offer me anything else.

by Anonymous From Beverly, MA on November 14, 2008

biggest assholes on the planet. I'm not giving them another penny I hte them they are crooks and cheats!

by Donaven Howard From Elizabeth City, NC on November 11, 2008

not willing to work with customers at all even when they are at fault.

by Anonymous From Albuquerque, NM on October 14, 2008

Not willing to work with their customers, even if it is to their advantage.

by Richard Smith From Shelby, MI on October 13, 2008

by Tam Dam From Cupertino, CA on September 26, 2008

by Anonymous From Collegeville, PA on September 24, 2008

Treat all folks as a bad debt they are trying to collect--even those who are current.

by Anonymous From Spotsylvania, VA on September 23, 2008

by Anonymous From Alexandria, VA on September 16, 2008

by STEFAN MURPHY From Taylors, SC on September 15, 2008

by Anonymous From San Jose, CA on September 08, 2008

by Briana Haas From Chandler, AZ on September 06, 2008

by Brian Mummau From Harrisburg, PA on September 05, 2008

I have had Aurora for 3 years now on my 3rd home purchase. I currently have 4 properties one of which is with Aurora. To date I have not had any problems with this mortgage company. I pay my payment on time and I only ever sign for a fixed mortgage. I have in the past mortgaged more then 80 percent but am beginning to think that I should only mortgage 80 or below. The time for help is not when you are behind but before when you see it coming. People your home is your biggest asset you need to watch it and everything with it like a hawk. You should know what it is worth and not trust everything a realtor says. Just as you would shop around for a contractor or any other type of service you should do the same with your home and your mortgage. If you cannot afford the home you should not buy it simple as that. I have tenants that have left me sit with rent while paying for their cable bill and then wonder why I could be such a jerk and kick them out. When you sign your name you should know what you are signing and be willing to do what you have to to satisfy what you have promised.

by Anonymous From Brooklyn, NY on September 03, 2008

by Herman mora From Miami, FL on September 02, 2008

Countrywide is my 2nd mortgage lender and they are the worst, refusing to even send me anything regarding modification of their loan.

by Anonymous From Perrysburg, OH on September 01, 2008

They did not want to work with me. Do I need to hire an attorney to sue them since they are kicking me out of my home and I can pay the monthly payments and would like to make good on missed payments as well?

by Linda McBride From Wildomar, CA on August 29, 2008

WE CALLED THEM TO TRY AND WORK THINGS OUTThey flat out said no way!

by Edwin Pabon From Staatsburg, NY on August 18, 2008

by Anonymous From Phoenix, AZ on August 08, 2008

I need someone to get me out of my ARM of 5 years. My interest rate is 7.75%. I would like a fixed with lower payents but have been told my house s only worth only $330,000 compaired to $435,000 6 months ago. I am upside down! I see foreclosure coming!

by Luis Flores From Mission, TX on August 08, 2008

by Anonymous From Houston, TX on August 05, 2008

this is directed to Keith from Sun City. You should contact your county to find out if you are in a flood zone. That would be the first thing I start with. The second thins is to make sure you know what your talking about. Companies don't arbitrarily just add flood insurance. Let me guess, you probably did an option arm loan too. I know your probably upset that you stated your income or better yet, some broker lied and stated a false income that you agreed to at closing and now you upset that your mortgage lender wants to be paid based on a promise from you to pay. People we need to start taking more responsibility. We purchase these homes on hopes of a large increase of equity because the market was soaring, we listen to people on tv tell us we can make all kinds of money by property no money down. Then when the bottom falls out and we are left holding the bag, we look to point the finger at someone else. I know, your probably the one who loses at the craps table then asks the pit boss to reimburse your losses with a free room and dinner right? If not, then you need to realize it was your speculation that put you in the house and that is your issue. Not a mortgage servicers problem. If you have problems with your interest rate, read your loan docs. They can't be changed. If you have problems with your escrows, these are items that are reported to your servicer. Call your insurance company and your county assesor's office. In short, quit whining and take responsibilty.

by Anonymous From Houston, TX on August 05, 2008

this is directed to Keith from Sun City. You should contact your county to find out if you are in a flood zone. That would be the first thing I start with. The second thins is to make sure you know what your talking about. Companies don't arbitrarily just add flood insurance. Let me guess, you probably did an option arm loan too. I know your probably upset that you stated your income or better yet, some broker lied and stated a false income that you agreed to at closing and now you upset that your mortgage lender wants to be paid based on a promise from you to pay. People we need to start taking more responsibility. We purchase these homes on hopes of a large increase of equity because the market was soaring, we listen to people on tv tell us we can make all kinds of money by property no money down. Then when the bottom falls out and we are left holding the bag, we look to point the finger at someone else. I know, your probably the one who loses at the craps table then asks the pit boss to reimburse your losses with a free room and dinner right? If not, then you need to realize it was your speculation that put you in the house and that is your issue. Not a mortgage servicers problem. If you have problems with your interest rate, read your loan docs. They can't be changed. If you have problems with your escrows, these are items that are reported to your servicer. Call your insurance company and your county assesor's office. In short, quit whining and take responsibilty.

by Melissa Jackson From Mcdonough, GA on August 04, 2008

by Anonymous From Coal City, IL on August 03, 2008

by mrs smith From Las Vegas, NV on August 02, 2008

calling harrassing when payment is 4 days late...what is wrog with the human race...dog eat dog no wonder people are living hand to mouth..i hate them and their cruel practices

by Anonymous From Cottonwood, AL on July 31, 2008

Aurora Loan Services should be shut down close the doors forever!

by Albert Precaido From Corona, CA on July 30, 2008

by Anonymous From Modesto, CA on July 30, 2008

by Sam Trantham From Austin, TX on July 28, 2008

by Shirley xxxx From Bowie, MD on July 24, 2008

by Anonymous From Flagstaff, AZ on July 12, 2008

by ANDRES From Miami, FL on July 10, 2008

I REALLY DON'T KNOW WHAT'S GOING ON BUT IN MY LAST STAEMENT IT SAID THAT THEY HAD TO PURCHASE A FLOOD INSURANCE FOR $3000.00 WHICH MADE MY ESCROW ACCOUNT NEGATIVE $2000.00 AND TO BEGIN WITH THEY SAY MY ESCROW HAS TO HAVE A BALANCE OF ABOUT $2500.00, THAT MAKES MY ESCROW ACCOUNT ABOUT -$4500.00.....THIS IS OUTRAGEOUS.... IF I HAD READ ALL OF THESE COMMENT BEFORE MY LOAN WAS TRANSFERED TO AURORA I WOULD HAVE DONE SOMETHING.... CAN'T WE DO SOMETHING??? I BET THAT IF ALL OF US SUE THEM THINGS WOULD CHANGE!

by Keith From Sun City, CA on July 10, 2008

Ditto regarding all that has been said with Aurora, the good comments are rare, because this company is a group of thieves and crooks. The people that work for them are sub-par..They sound like disgruntled fast food workers. There is no decent person working there. I too have been on time and they strung me along for several months only to follow-up with a denial letter

by Keith From Sun City, CA on July 10, 2008

Ditto regarding all that has been said with Aurora, the good comments are rare, because this company is a group of thieves and crooks. The people that work for them are sub-par..They sound like disgruntled fast food workers. There is no decent person working there. I too have been on time and they strung me along for several months only to follow-up with a denial letter

by Jr From San Pablo, CA on July 08, 2008

I sent a modification letter and all additional paperwork. Waited 2 weeks to check on the status of the process. Was informed it would take 45-60 days. Called back a week later and was escalted for review from a manger. Recieved a letter for declined loan modification without missing any monthly payments. Excuse was insufficiant funds to take on the loan. Called in to find out if the loan mod was still being worked on. They commented it is still pending. Called the next day and they commented that they are still overviewing the paperwork though they were not aware of the letter that I had already recieved. Called the next following week and same response until I informed them about the rejection letter. Then they made an excuse that their database was running slow. Very unprofessional. I asked about alternatives or suggestions. Only comment was to attempt to short sale, If not go to foreclosure.They are not willing to help. I will attempt to Short Sale,but it seems that I may be going into Foreclosure because it seems they just give you the run around. Very poor customer service and not at all friendly to help those with great credit and ontime payment customers.

by Luis From El Cajon, CA on July 08, 2008

I have been in contact with this company since April 08 trying to get a loan modification and I found out on 3 July that my application was denied. I have made many calls to try to get a modification and they keep telling me that I do not qualify. My loan resets next month and I do not know what I am going to do!

by jz From Oak Lawn, IL on July 03, 2008

complete rip offs --no one can be this incompetent -- it surely is on purpose...teling me I am late on several payments when they have received them into my account but have not yet applied the amount to principal and interest...they also withdrew funds on 2 occasions...we ALL need to report to BBB with copies of transactions, also report to Office of Thrift Supervision

by Anonymous From Fullerton, CA on July 03, 2008

by Anonymous From Franksville, WI on July 02, 2008

Aurora is a bottom feeder. Life happens to all of us and sometimes we just need patience and understanding to get on top of our payments. Right now I am 3 mos. behind but send a full payment every month. I was told that unless I pay the 3 mo. owed other wise will begin forclosure. My house is on the market. You would think they would work with you while you are selling the property. As fas as i am concerned if the house doesnt sell before final forclosure, and I will not send another payment to them, well they can have it. Good luck to them. I do know it takes a min. of 50,000 dollars for them to begin foreclosure and they have to set aside 7 times the amount of the loan and cannot loan out that amount. It costs them so much to do this besides probably dealing with a vacant property etc. Work with us even if you wont get a payment for a few months. but no they are in bizz to only collect the money. definete bottom feeders.

by Anonymous From Aiken, SC on July 02, 2008

When my mtg was transferred my last payment to the old mtg company did not transfer, I guess, with the rest of the information regarding my loan. Aurora started calling me and saying I was late. I called my old mtg company who informed me that by LAW aurora was not allowed to do that, they had to by LAW wait 2 months for everything to come in from the transfer. I called Aurora and told them this. I even offered to fax over my bank statement which showed I had made the payment they were after. They told me no, they didn't need that. Then they called every day, and sent me foreclosure pamphlets. It hadn't even been a full month since the transfer. When they finally received it I told them I had been ready to hire an attorney and sue them for unlawful harassment. I should have. Because 2 years later I lost my job, and when I called them, they did not have any deferment, or payback options, except that they tag an additional 100 to my normal payment and report it being late for 6 months while I try to pay it off. I can't afford a higher payment. So, this isn't going to work. Now I'm headed for short sale, have someone interested in the property, so am hoping that this company will work with the buyer. But, will not be surprised if they are jerks and lie and call me constantly. Am surprised they haven't been calling everyday as I'm 2 months behind. However, if I ever own a house again, and it gets transferred to Aurora, I will pay whatever costs I have to pay to get it back in the hands of a reputable mtg company, as they are not and I do not trust them at all. Holding my breath and Hoping that everything goes right with the short sale.

by Sonia M From Fort Lauderdale, FL on June 26, 2008

I'm been working with this company since March asking them for help to see if they can reduce my interest rate from 9.275 to a more decent rate and that will help us to keep our home. We had submited modifications like 3 times and they asked us for 3 payments as a Good faith which we did, after we did the 3rd payment we call them and they just said SORRY YOU DID NOT QUALIFY FOR THE MODIFICATION, we need all the money inmediately...This company SUCKS, they are the worst compnay

by Sonia M From Fort Lauderdale, FL on June 26, 2008

I'm been working with this company since March asking them for help to see if they can reduce my interest rate from 9.275 to a more decent rate and that will help us to keep our home. We had submited modifications like 3 times and they asked us for 3 payments as a Good faith which we did, after we did the 3rd payment we call them and they just said SORRY YOU DID NOT QUALIFY FOR THE MODIFICATION, we need all the money inmediately...This company SUCKS, they are the worst compnay

by elisa lopez From San Leandro, CA on June 24, 2008

by Anonymous From Mission Viejo, CA on June 16, 2008

Not enough experience in this rhelm to comment.

by Anonymous From Carbon, IN on June 14, 2008

Worst Company Ever!!!!! They need to be shut down!! They are incompetent and very unprofessional.

by Anonymous From Mableton, GA on June 14, 2008

by anonymous From Anaheim, CA on June 14, 2008

I called them before I missed a payment to do a deed in lieu of foreclosure they said they could not ever because I have a second then I asked for loan mod they said I would have to call back in 4 weeks since I already faxed in all my information with financials I would receive a response, I got a approved for a short sale what the hell does this do for me? nothing....I said well if you don't work with me then I cannot pay my home any longer they said I am just going to have to wait for the foreclosure to happen, what jerks!!! I sated to cry not because of me I am single and can just rent but for those families that have kids having lenders that claim to help and they really don’t want to work with you why would they they just write off the loss in their taxes and this is better to them than them helping others especially those with kids…. Good luck to everyone it will be alright’

by REALTOR From Las Vegas, NV on June 13, 2008

Short sale took 4 months, they would not call anyone back when we needed information to close escrow by "Their" deadline. So they make it almost impossible to meet their criteria. I am going to report them to the GLVAR Association as well as the State agency in Nevada for better business. I am also writing the CEO of Aurora.

by Anonymous From Torrance, CA on June 10, 2008

TERRIBLE COMPANY no compasion for anywone. You would think they have made enough and are making enough money, that they would try a lil harder to help people. They dont give a fuck about peoples feelings at all. If class action happens let me no. anonymous

by Melissa Bloomer From Fontana, CA on June 05, 2008

by IAN INFANTE From Orlando, FL on June 03, 2008

by anonymous From Chino, CA on June 02, 2008

All I can say is that Aurora Loan services have bad service and also bad communication. Rude very rude people. well this is your wake up call Fuck You.

by Anonymous From Daly City, CA on June 01, 2008

by Anonymous From Brooksville, FL on May 31, 2008

by Gordon Silver From Hanover, VA on May 29, 2008

by Jorge Rodriguez From Miami Beach, FL on May 27, 2008

i tried sevral times to do a loan modifacation with no success. they were very rude and did'nt want to help me at all this was sevral month ago. i keeped explaining that i want to keep the property and i invested over 100,000.00 in repairs with no responce from them

by Ana Tota From Pompano Beach, FL on May 22, 2008

by Anonymous From Bremerton, WA on May 20, 2008

Noone is willing to help in their department. The only time they want to help is when money is owed to them, even then it's a risk. The housing market has tumbled and you would think these company's would want to help. But they don't. The late night phone calls has made me change my number also.

by Anonymous From Ladson, SC on May 20, 2008

by JOSEPH DANIELS From Clinton, IN on May 17, 2008

by Michelle Nascarella From West Palm Beach, FL on May 13, 2008

This loan was just purchased by Aurora so I have no opinion either way.

by anonymous From La Habra, CA on May 07, 2008

Aurora was understanding when I lost my job.They put me on a pymt plan in April 08, and.They worked with me in a proff, manner and now I am up to date.I will stay with Aurora and recommend them!!Exclnt CS!!

by Anonymous From Vancouver, WA on May 05, 2008

How could you save the home foreclosure if you are the cause of the problem? Live up to what you says.

by precious From Vancouver, WA on May 05, 2008

Unprofessional. Horrible! Inconsiderate. We ask if they could work with us for our payment this month. We are short of money due to the sudden death of my brother. We were told they could not do anything for us and they need the money before or at the end of the month.

by Tom Acker From Lewisville, TX on April 28, 2008

by Jerry Martin From Kernersville, NC on April 27, 2008

I filled out their work out form wxplaing our problems with a proposal for starting to pay our payments again and was waiting top hear from them. The only thing I got was a letter from their attorney with forclosure.

by Anonymous From Englewood, CO on April 24, 2008

Worst customer service known to mankind-Jason in the REO department is an ass to say the least

by truth From Tappahannock, VA on April 23, 2008

We are trying to get an approval for a short sale from Aurora. They have stalled this process now for 3 months with no response. I think they are trying to force the mortgage holder into foreclosure.

by Xinia From Los Angeles, CA on April 19, 2008

Aurora loan was difficult with us at the beggining when we purchase our home but they have always been willing to work out payment plans with our family. They work very well with us we are happy with them just call them in a calm matter.

by James Wiley From Deer Park, NY on April 18, 2008

Though we have been in constant contact with them, they seem very uninterested in helping.

by carolina polanco From East Elmhurst, NY on April 17, 2008

by Anonymous From Riverside, CA on April 04, 2008

the statement date is 19th and I recieve it on the 28th and due on the 1st. they hold back the statements so they will be late. my opion

by Carmen Romero From Somerset, NJ on April 04, 2008

by Anonymous From Iron Station, NC on April 01, 2008

THE 1ST IS OK BUT THE 2ND IS POOR AND UNPROFESSIONAL

by Isaac Bame From Van Nuys, CA on March 27, 2008

by emilia matei From Rocklin, CA on March 27, 2008

by Isaac Pedraza From Sparks, NV on March 25, 2008

by Jim Stewart From Gilbert, AZ on March 25, 2008

I am sorry about not being able to pay my bills

by Anonymous From Orlando, FL on March 24, 2008

by Anonymous From Roswell, GA on March 24, 2008

Aurora has been working with me,but I cant pay them up and my 2nd mtg on what I make.

by jerry batteh From Jacksonville, FL on March 24, 2008

They are unwilling to assist in any way.... they are also extremely SLOW in responding and never call back within the 24 to 48 hours as they claim

by Sheri Fobare From Truckee, CA on March 11, 2008

This company should be investigated. We have contacted a lawyer. They too stated they never received our paper work for a remodification of our terms and were going to forclose with out telling us. Of course we have all of the documentation that we sent our paper work - but they never sent the modification of terms. We called every month (and of course have documentation of those calls), each person said they received our forbearence agreement and all of our paperwork and that the modification terms was on the way - we called again two weeks later and were told that everyone had walked off the job and that the person we were talking to had just be hired and to call back in two weeks. We called back after two and got yet another person who said they were forclosing us on us! Not once did we recieve a phone call from them! Not once did we receive a letter in mail stating they didn't receive our paper work! We have filed a complaint with the DA as well! Not once has this company tried to modify our terms in to some kind of agreement that would satisy both us and them! We have also retained a lawyer! STEER CLEAR from this company!

by Anonymous From Indian Springs, NV on March 09, 2008

I called to see if we could get a better rate and make the payment easier and they flat out said no you live in Las Vegas and no one will finance you because of the market there.

by Anonymous From Turlock, CA on March 04, 2008

by Michael Kouts From Phoenix, AZ on March 04, 2008

Have tried countless times to work with them and the flat out refuse

by wayne douglas From Deland, FL on February 24, 2008

by Jeff Hilton From Trussville, AL on February 21, 2008

by Anonymous From Hobe Sound, FL on February 19, 2008

I'm not looking to declare bankruptcy yet but would like to know more about it

by Paul Giorgi From Delaware, OH on February 15, 2008

by Alvaro Alberttis From Boynton Beach, FL on February 12, 2008

by Tasharee Williams From Fontana, CA on February 08, 2008

by David From Frisco, TX on January 31, 2008

We have had 4 different "repayment" plans with this company, each voided with no fault of our own, excuses have ranged from you missed a payment (when we could prove receipt date and cashed funds) to escrow account too low, to no house insurance all the while we have a mystery $3000.00 that they can not apply to our account. We have notified the Texas Attorney General, and have retained a lawyer. I suggest everyone do the same, as does the Texas AG.

by Mendi Dusterhoft From Lakeville, MN on January 31, 2008

by Anonymous From Fairfield, CA on January 24, 2008

by johnny felisme From Brooklyn, NY on January 19, 2008

by Andrea Brown From Gwynn Oak, MD on January 18, 2008

i have no bad feelings towards Aurora Loan Services, they have tried to work with my thru this difficult time everyone that i spoke to was professional and nice to me

by Anonymous From Mundelein, IL on January 17, 2008

by Brenda Moore From Ypsilanti, MI on January 15, 2008

by Robert Stiner From Gunnison, CO on January 14, 2008

by Anonymous From San Antonio, TX on November 14, 2007

These people are bottom feeders; run the other way if they get your loan!!

by Kathleen From North Port, FL on November 10, 2007

I have called numerous times and have missed payments due to financial struggles. Never have they called and harassed me and they have always been nice en encouraging on the telephone. They really want to work things out with me to avoid foreclosure. I have never been on hold other than the first 2-3 minutes when I first call in. Very nice people!

by anonymous From West Des Moines, IA on November 08, 2007

they did offer to skip 3 months of payments since i lost my job but at the end of the 3 months if i still didn't have a job i would have to pay the 3 months at one time or foreclosure would start

by Anonymous From San Leandro, CA on September 27, 2007

Aurora didn't try to help with repayment plan, all they want is their money.

by Marie From Cedar City, UT on September 14, 2007

I currently have mortgages with four companies and Aurora is by far the easiest for me to work with. I don't think I've needed to reach them by phone much, so I don't know how they are about that, but their online services are sufficient for what I need to do and know to get my payment in. The loan industry in general needs a lot of work in customer relations, but comparatively Aurora is pretty good.

by Lisa From Frederick, MD on September 05, 2007

I had a great experience with Aurora, unlike pist off, I know that it is not Aurora that charges prepayment penalties its the broker/loan officers. I did my refi with them and my loan officer was looking out with my best interest, not just his own.

by pist off From Cedar Park, TX on August 26, 2007

You need to have Aurora Loan Services shut down for stealing peoples money and ruining their credit. We paid 4400. in pre-payment penalties closed July 13 07 and got a late for July on fico now we cant buy a HOME!!!!!

by annie From Quincy, FL on August 15, 2007

Aurora Loan Services has caused me financial hardship, headaches, and a credit file that not might not ever be able to be repaired.

by Anonymous From New York, NY on August 05, 2007

These people are totally incompetent. Harassing telephone calls about late payments when not late. Always asking for more, more, more info. Sent to them, and they keep asking. Turns our they got it but it never got into their system!! This happened on two different times.

by Terresa Bunton From Normal, IL on July 31, 2007

They called me when my payment wasn't at their office by on the 2nd. It was due on the 1st. I told them they should get it any day. They sent me a bill with late charges on it when late charges where not to be posted until the 16th.

by Anonymous From Littleton, CO on June 21, 2007

Total incompetent and unprofessional company

by Anonymous From Bogalusa, LA on March 28, 2007

some of the people that talk to you treat you like you are nothing when you have problem