First Horizon National Corporation

by Kasey Brown From Duncan, OK on June 28, 2008

How well do I know about First Horizon, everyone pretty much summed it up!In Oct.07 I was layed off from my job and had 6mos left to go in RN school. I called them to ask about sending in split payments every two weeks instead of monthly since it was easier to manage my other bills that way. i was told I would need to fill out a workout package for any type of reduction or change in terms. I returned my workout package with all required documents in Oct.07. I called FHHL in Nov. and Dec.several times and was told my packet was still being reviewed and that they were very behind and not to call them they will call me. Since they will not accept any type of partial payment I am getting further behind, but in good spirits that they will work with me and find some kind of loan modification because they said I should qualify.Jan.08 approaches called back several times finally got of hold of someone that said they would have a decision made by Jan.26,08, Still waited and waited , then on Feb.6,08 received letter from FHHL attorney that they were going to foreclose, I immediately called the Loss mitigation and attempted to reach Mike Diaz who was suppose to be the department Guru. After finally getting of hold of them they told me my packet had been denied and told them that was nice of them to notify me. By now I have graduated from school and working full time making more money now than I did when I originally qualified for loan. I asked for a reconsideration and sent in new check stubs and current bills, etc, and once again was denied , but they didn't tell me I was trying to work with a counselor through my private mortgage insurance whom found this out for me. I contacted all the resources they send people who are in foreclosure and to no prevail did anyone help. So next month my house will go up for sheriff sale.The media wants to know why there are so many foreclosures,people sincerely think they are going to get help and then fall further and further behind until its too late to get caught up. So I myself didn't ever think I would be a statistic.

by matt weitl From Manning, IA on May 31, 2008

by Travis Yandell From Little Elm, TX on May 31, 2008

by Travis Yandell From Little Elm, TX on May 31, 2008

by Anonymous From Romulus, MI on May 30, 2008

When you call to speak to someone you are put on hold for a very, very long time. I have been placed on hold @ the most in one call for 50min. trying to get in touch with the loss mitigation dept. No consideration given to excellent payment history.

by TBA Michigan From Romulus, MI on May 29, 2008

My situation has a bit of maybe all the others. My husband left me&our son. I wanted to send FH a partial payment b4 my home went n2 4closure last yr. was told it would be sent back bcause (1)partial had already been made b4.My redemption period has past & I am trying 2 stay n my home 4 me&my son. We have nowhere else 2go. My husband left us almost 2yrs ago& is facing prison.I have 1st&2nd.Only 1 was closed. Trying 2 negotiate paying other mortgage. Just like the others no call back.Hold time is ridiculous.In reality FH & I need each other. My son & I need a place 2stay, & the property won't sit vacant on their books.I'm not trying 2 stay here 4free.

by Debra Livermore From Commerce Township, MI on May 28, 2008

by Anonymous From Newport News, VA on May 28, 2008

by Claudia reyes From Centerton, AR on May 25, 2008

They are a good company but the only issue I had with them is that even after the loan modification my account was not put as current and I was receiving calls about defiency when I was supposely suppose to be current.

by Anonymous From Nahant, MA on May 22, 2008

Notified immediately on husband's job loss. Have a ready, willing and qualified buyer, can't reach a voice, neither can attorney. Am now 2 months behind in payments....Am locking the doors on my way to an apartment, let them worry about the house they are going to lose $100's of thousands on, I can't get a person to answer a call

by Anonymous From Alexandria, VA on May 22, 2008

The First Horizon broker did promise to lower our payments with in 6 months. We contacted the broker, and after many attemps, we just got a not now wait a bit longer. We waited, and called back to get the refinance started. He told us we needed an appraisal done, and he will call us back. We waited for 2 weeks no call was placed from the broker or appraisal. We contacted him several times to have him tell us he can't find the person who conducts the appraisal...WOW..Here we are with a huge mortgage we can not pay.

by Anonymous From Grand Rapids, MI on May 21, 2008

I've sent in four (4) borrower financial statements along with hardship letters and everything else they need (tax forms, paycheck stubs...). No response from to anything I've sent in. No call backs and my average hold time to actually speak with someone is over 80 minutes. Considering we got rid of our phones to reduce our monthly expenditures, that's 80 minutes waiting around my church or parents house to talk with someone who simply wants to send me another borrower financial statement packet. I finally wrangled a e-mail address out of the last person I spoke with (Ms. Aaron) because I convinced her to e-mail me the packet. Interesting that her e-mail address is from the domain loancare.net - a company that says they are there to help stop foreclosure. I've been unemployed for over a year and from the sounds of it, they are going to be pretty unwilling to help. Even though we have a FHA mortgage with mortgage insurance. One option there should be a partial claim against that insurance - I somehow doubt they will approve us for that. And unfortunately, we have no where to go and simply cannot loose this house.

by Anonymous From Lehigh Acres, FL on May 21, 2008

by REALTOR From Belleville, IL From Belleville, IL on May 21, 2008

I too have been dealing with Maria Alonzo. I listed the clients home and she made it sound as though they were on board wiht pursuing a short sale. We now have an offer on the table and I cant get a call back from anyone!!! This is aweful. I am sorry to say it, but I know my seller will be foreclosed on.

by Anonymous From Washington, DC on May 20, 2008

They would not allow me to work out my payments so that I could pay less.

by Anonymous From Warrenton, VA on May 12, 2008

First Horizon is the worst. My home was foreclosed on. They led me to believe they would consider a short sale but when they received offers they would not even respond to my agent. They hired someone to winterize the house while I was trying to clean it for sale. Called me to remove my belongings and when I went to pick them up they were gone. I had a home equity loan with them also and that entity was not even aware of the foreclosure. They hired an agent to list it and didn't even respond to an offer he submitted.

by Anonymous From Euless, TX on May 07, 2008

by Anonymous From Charles Town, WV on May 05, 2008

Because I have shared my experience with others in similar satus, I found FH is the only lender providing a 12 month payback time. Others require 3 months payments and then tag the rest of the late payments to the end of the load. I could do that if offered. I agree with other postings, no call back, never the same person. Unlike other lenders tehy are not helping the buyer or thier self. I can make my payments why don't they work with me instead of against me.

by roberta samuels From Dayton, OH on May 03, 2008

by Anonymous From Kissimmee, FL on May 03, 2008

They will not work with you and their option is to give you the most expensive payback plan there is even if they know you cannot afford it. If you try to send any money in they will return it back to your bank account. There turn around for calling you back they say is 3 business days I may get a call back in a week after they have decided they are going to still go through with the Foreclosure. Is there really any help out there?

by Robert Butler From Ames, IA on April 12, 2008

Impossible to talk to, uou can never speak to the same person twice. We have lost two potential buyers (short sale) because First Horizon would not respond to the offers.They are a company that I feel has helped bring this housing crises on and hopefully they will go broke . ROB

by JANE WESTDYKE REALTOR From Avon, IN on March 22, 2008

I HAVEALWAYS USED 1ST HORIZON FOR MY BUYERS. I HAVE A CLIENT WHO WAS GOINGTOFORECLOSURE AND WE NEEDED TO DO A SHORT SALE. I FOLLOWED EVERY PROCEDURE WAS SENT FROM ONE PERSON TOANOTHER AND NOW THEY FILED FORECLOSURE AFTER ALLOWING ME TO SPEND MY MONEY AND MY BROKERS MARKETING THIS HOME. I AM DISGUSTED AND WILL NOT PROBABLY USE THEM ANY MORE FOR LOANS FOR MYCLIENTS. IF ANYONE HAS A DIRECT CONTACT # PLEASE CALL 317-371-7262. THANK YOU.

by Anonymous From Paducah, KY on March 17, 2008

by Mariaalthea Dambra (Ehlert) From Ewa Beach, HI on March 13, 2008

by UNEMPLOYEDMORTGAGEPRO From Westtown, NY on March 10, 2008

In November when I lost my job, I sent an entire Loan Workout package with PFS, paycheck stubs, and so on explaining I had just lost my job, had never been late up until that month but didn't want to miss an opportunity to do the right thing before late payments snowballed. I was advised to submit to Loss Mitigation Dept. SIX MONTHS LATER----a week ago---3/4/08, I got a VOICE MAIL FROM MARIA ALONSO 'regarding my paperwork'. I had already called every month following my submission of paperwork to follow up prior to getting her voice mail. I called her back a.s.a.p. and like the other people here, got her voice mail. One of the other reps said "you were approved for a payment plan but denied for a loan workout because the lender (Chase) doesn't off that". I had lost my job, which was an annual income of $150k to UI of $600 a week so how was I going to pay the required payments mentioned in ANY payment plan? I left a message for her THREE TIMES since last week and to no avail, no return call. I'm sure she is inundated with work due to the foreclosure rates but I still need to entertain my last option: Deed in Lieu of Foreclosure. I don't believe I qualify because I have a 1st & 2nd on the property w/2 different lenders. I suppose BK is the only option unless I milk the situation through a long foreclosure process. That's tempting because I could squeeze some equity out of the home, although its been on the market for six months without any interest and the value has dropped dramatically on my home even though it is in prime conditiion. I would like to just hand over the keys and go into a rental at this point or do a short sale provided there are no tax ramifications but I believe that would be unavoidable. If I file BK that could take 120 days to finalize. Foreclosure will take up to 14 months. I just don't want a foreclosure on my credit report. Mortgage companies consider YOU IN A N.O.D. even if an NOD wasn't filed if you are more than 4-6 months late on your current mortgage but that will go away on credit after 12-18 months yet a foreclosure or Deed in Lieu WILL STAY ON CREDIT for 10 years. Oh what do do, what to do.

by shawn pischke From Raleigh, NC on March 05, 2008

by Carlos Ospinal From Streamwood, IL on March 05, 2008

by kristen diggs From Lexington, KY on March 04, 2008

I tried and tried to contact someone and could never get someone in person on the phone. Horrible service!!

by Troy Clymer From Sanford, FL on March 03, 2008

by gjs from New Jersey From Rahway, NJ on March 01, 2008

This has to be the WORST financial instituation when trying to "work out" things with their customers. They have the WORST, LOUD telephone system in existence!! You never get through to the party you are trying to reach. When that person calls you they leave an "incomplete" general message for a return call as well. I am not behind in my mortgage but I have been laid off & filed "hardship" with this institution in DEC only now to hear anything from these people! All I want to do is make partial payments until I am re-employed & as it turns out the lady that I finally got to talk to named MARIA TORRES tells me I have to earn more money to be eligible for partial payments....daah! If I were able to earn more money I obviously would not need to make partial payments!!! I hate this company! They do absolutely nothing for their customers but take their money!!

by caroline kruse From Dundee, OR on February 27, 2008

I called to work out a repayment plan I and the representative told me he would give me four months to find a better job or he would take my home from me. I called his Supervisor and I received no response. A month later First Horizon called me to tell me that they fired him and wanted to work out a deal. I was so scared of losing my home at the time ( I was two months late) I had already filed Chapter 13 bankruptcy. I could have easily worked something out.

by Anonymous From Claremore, OK on February 27, 2008

It is impossible to contact anyone there. All you ever get is a recording when you call. Call backs from the company are usually one or two weeks. By then, foreclosure steps have already been taken. What gives?

by Rhonda Hendrix From Carrollton, GA on February 04, 2008

by Anonymous From Omaha, NE on January 31, 2008

First Horizon has not returned any of my 28 phone calls. They say there is nothing they can do to help us.

by Frank Farmwald From Kansas City, MO on January 20, 2008

by Anonymous From Dover, PA on August 25, 2007