Option One Mortgage

by Anonymous From Oregon, OH on October 20, 2008

by Anonymous From Luverne, MN on October 04, 2008

option one sold my mortgage to two different companies, they are going to be in a world of hurt!

by hawaii From Kula, HI on October 02, 2008

I have paid my note off with option one on June 30, 2008 And on July 25 2008 I get a call from American Home Mortgage Serivicng Inc. saying I owe them money I then sent all documentation to AHMSI that option one is paid in full to date October 30 2008 I am still tring to get this big mess up cleaned up and now I being told to be patient as my credit scores goes to shit someone help me out Option one Droped the ball.

by fed up From Highland, MI on September 24, 2008

Fed up is a under statement. I believe that this company is just stealing hard working people out of their home. I have ask for the past 2 years if they could lower my payment so I am not starving. They refuse. Tried a Loan Modification,. They wanted $500, faxes of profit and loss statement two weeks of payroll stub, and bank statement. Was told by a guy that I should have my husband do the faxing since I was a female and don't know anything. Surprisingly we got denied for a Loan Modification, I never faxed out my bank statement. Even tho I told them I do not feel right faxing that out. With all of the ID thief that is out there. NO Matter What Get out of this loan with these people.

by dan lefler From Dana Point, CA on September 22, 2008

Preditory, bait and switch. Was promised a rate of 7.5%, on day escrow closed they came back with 11.5!

by janet castellanos From Fontana, CA on September 17, 2008

by Mrs. Morgan White. From Aline, OK on September 11, 2008

Hello, my name is mrs. morgan white, i live in Aline Oklahoma, my husband and i ran into some debt problems which almost took my life but thank God for Micro Finance Company. A christian owned and run company who was there for us. Thank God i am so happy that i can live freely one small. please, feel free to contact Dr. Albert Lens the ceo of Micro Finance Home via email.. micro_finance_home@hotmail.com. I promise you, you never regret doing bussiness with them. Thanks, Mrs. Morgan White.

by Marti From Dayton, TX on September 11, 2008

"Option One Sucks" I don't even call them anymore..My stomach is in knots and casn't stand these xxckers!!!!If you are thinking of doing a loan modification (DON'T) They will bleed you dry.Research,Research and more research is all I do...I'm coming to get you Option One!!!!!!!!

by Marti From Dayton, TX on September 11, 2008

"Option One Sucks" I don't even call them anymore..My stomach is in knots and casn't stand these xxckers!!!!If you are thinking of doing a loan modification (DON'T) They will bleed you dry.Research,Research and more research is all I do...I'm coming to get you Option One!!!!!!!!

by BELINDA almeida From Merced, CA on September 10, 2008

if i only took the time to research to mortgage company.this company steals your property because all they seem to care is to collect the money and not listen to anything you have to say. they are thieves even the CSR's are theives they owe me money because they never payed me the interest that they collected from my escrow acct. now i have lost the home of my father. i could never nor my husband understand a word CSR'S would say because they were sand nigers. im not sorry for my hateful words.

by hbseth From Huntington Beach, CA on September 08, 2008

"We are not behind on our mortgage and never have been. Although we dont always pay it on the first, I pay online through .www.oomc.com its always paid before the 15th which is the cut off for late fees. We never have had to pay any late fees because we always pay before the 15th. Whith that being said I HATE THIS MORTGAGE COMPANY, it never fails they always start calling and harrassing me on the 2nd day. They call every day, sometimes twice a day until they see the payment has been made online. They always ask when are you going to make the payment. I tell them its non of there business. They say well we can stop these calls if you will tell us what day you will be making the payment. I always tell them it will be between now and the 15th. I have repeatidly demaned they stop calling me. One time they told me that not paying on the 1st can hurt my credit. I said you cant put anything on my credit unless its over 30days and if you do I can sue you. I said so how will this hurt my credit, he said it would hurt my credit with them (oomc) I laughed and said do you really think I would ever refinance or use OOMC again. Now I just ask them when they call :is this option one" when they say yes I just hang up. They are worthless and cant wait to refinance in a month. I wish I could get a hold of there numbers at home and call them everyday and night." I READ THIS AND COULDN'T HAVE PUT IT ANY BETTER. THIS IS MY EXACT SAME EXPERIENCE WITH THIS COMPANY!!!!!!!!

by Anonymous From Buffalo, NY on September 01, 2008

by Anonymous From Richmond, VA on August 31, 2008

Option One Mortgage is an unscrupulous predatory lender that preys on vulnerable consumers who are simply trying to realize the american dream of homeownership. Once they lure these consumers in and the inevitable hardships begin, they do nothing to assist in remedying the situation. Their only option is to foreclose. Which is probably how they arrived at their name.

by Dexter Qualls From Randallstown, MD on August 29, 2008

by Anonymous From Joliet, IL on August 28, 2008

We have not received any mail from them regarding the modification we did back in June. I called on several occassions to check the status and thwere alway "working on it". The last time I called I found out we were denied on Aug. 8th but I never knew because nobody even bothered to call or send us notification.

by John Giglio From Brick, NJ on August 26, 2008

by bill cane From Saint Petersburg, FL on August 20, 2008

by Anonymous From Bethlehem, GA on August 13, 2008

by jacqueline taylor From Haughton, LA on August 11, 2008

by VICTOR BAUGHMAN From Deltona, FL on August 11, 2008

by Kerry Foley From Galien, MI on August 09, 2008

by Anonymous From Chester, SC on August 07, 2008

by Sarah Conley From Aurora, CO on August 06, 2008

I have been working with them for 1 1/2 months to modify my loan and have gotten a different answer EVERY time I call which is every other day.

by Carol Bare From Hanover Park, IL on August 05, 2008

none

by JEROME CULMER From Philadelphia, PA on July 29, 2008

by Anonymous From Warwick, RI on July 27, 2008

by Danny Partin From Summerville, SC on July 24, 2008

absolutely horrible service,,very frustrating dealing with people who cant even speak english,,got behind a month called to make 2 payments and they tack on $20k in bs charges that no one could understand ,,including " attorneys fees" that we never even got a letter from,,requested an american on the phone so many times i cant tellyou they just run you around and around a and refused to work with us at all ,,I had the entire amount due plus some late fees and they still wouldnt take my payment unless i aid these extra "20k in bs fees that even today they csnt explain ,,i lost my home to these crooks after owning it for 18 years..i have nothing but disdain dor their dispicable behavior,,is there a class action out there aganst them,i culd join?

by Michael Valente From Las Vegas, NV on July 22, 2008

i have great credit and they gave me a 9% intrest rate on new rental properties. they are well seasoned and make great rent.

by stephanie hemphill From Webster, TX on July 22, 2008

were not willing to help with payment help

by lillie robinson From Los Angeles, CA on July 21, 2008

i have ask option one mortgage company that i work with the school board and my pay period had change to the 30th and can i get help, this never happen, i have call many time and always get person i can not understand and finally had to get upset and say can you please get me to someone that i can understand thier language i always ended up in indina, i was placed in foreclosure for $43.00, never recieve a payment plain until i talk to u.s.a. company, set-up a plain, walked the payment in fax over the paperwork as instructed. recrieved a letter with my cashiers checks saying they never recieved the contract back. this is what but me from one month to three month behind going back and foreward with this company and thier company in india know they are call ahms, i had to see if this happen to anyone else and it did. am i mad yes.

by Dave Hinshaw From Crown Point, IN on July 19, 2008

Very difficult to work with. Always adding additional fees that you can't make sense of. Harrassing phone calls....

by Anonymous From Ilion, NY on July 18, 2008

by Alice Harper From Frazeysburg, OH on July 17, 2008

by Anonymous From Spooner, WI on July 17, 2008

by svenrid@hotmail.com From Castroville, CA on July 14, 2008

What a shame this company is my 2 year fix is nearly up in I was calling them since dec 07 and they tell me I have to wait then I get a letter a week later if you have any problems paying please call as asap duh I did they are so #### I am trying my best to keep it but not going to kill myself to pay for it , On top of this I turned in a loan mod and they turned it down wtf my score is in the high 700's no car loan nothing else . they told me leeman brothers owns my note and they are not doing a loan mod. I just don't get it the government will bail out freddie may & mac but the people who pay taxes to keep those fucks in office , well I am just fucked right now.

by isaac lewis From Anderson, CA on July 11, 2008

dont speak english

by Tim Wyatt From Hobart, IN on July 11, 2008

They signed me witha fixed rate loan then have "adjusted " my rate to a unafordable one so high in the last 5 years that I have basically nothing going towards the actual loan . My 50,000 mortgage has not budged in the last 5 years!!! I still owe 50,000. They have refused to work with me on it. They have also taken a 10,000 check from my insurance company and refused to release any part of it to fix the roof on my house from storm damage. Never mind that I can do it myself and that over half of that money is for things already done and for other repairs like the fence, a storm door and a tree I REMOVED myself!!! No funds will be released unless I have a contractor fix the roof they say...fine but how about the money that Ive already put out for my time in removing the tree and how about releasing the fuinds so I can replace the storm door ??? Its going into a YEAR in AUGUT and these crooks have the nerve to actually refuse to let me sell my house to someone my realtor had with papers signed and credit in place, not once but twice! Then called the realtor and demanded that he ask for 85,000 for the house when the loan is only for 50,000. When the realtor laughed at them , OOM then called the realtor's boss and tried to say that he acted unprofessionally and had used foul language with them, among other acusations. Luckily the boss of the realtor had worked with this man for years and knew him to not act in such a way , telling OOM to try a different scam on someone else, he was not falling for it. I want to be included in a class action lawsuit against these crooks.

by Anonymous From Westminster, MD on July 10, 2008

by Anonymous From Westminster, MD on July 10, 2008

by margaret amash From Albany, NY on July 10, 2008

by fonda ocain From North Charleston, SC on July 09, 2008

need fixed rate of 8% or less to maintain property in subprime neighborhood ..losing 800.00 a month currently and for last 3 years was original home and sold on rent to own which fell thru

by Anonymous From Miami, FL on July 08, 2008

by kelly From Duluth, MN on July 07, 2008

I was on an arm. Interest went from 8.75% to 10.75%. They finally did a loan modification and they were "pleased to inform me my new interest rate was 10.875%" thanks alot

by Anonymous From Saint James, MO on July 01, 2008

by gary boyd From Brooklyn, NY on July 01, 2008

by mark kitchen From Greenville, SC on July 01, 2008

by Anonymous From Galien, MI on June 30, 2008

Completely unwilling to work out anything. I told them tha this was a very temporary setback, but they refused to do anything. I was even told by one of their extremely rude CSR's that "they would not do anything. They would not even look at the modification form."

by anonymos From Saint Louis, MO on June 27, 2008

option one has done nothing but caused myself and my family trouble. they always say that we are late when we are not. when i call i get the run around and end up with no answers, and now i understand that option is changing their nam to ahm (american home mortage) I have never even her of this place. I have read some of these other complaints if a class action law suit happens i would like to be apart of it MY mal is bethmmcquay@yahoo.com or you can call and I can tell you the whole story that option one put us through. 314 520 2105. thanks

by anonymos From Saint Louis, MO on June 27, 2008

option one has done nothing but caused myself and my family trouble. they always say that we are late when we are not. when i call i get the run around and end up with no answers, and now i understand that option is changing their nam to ahm (american home mortage) I have never even her of this place. I have read some of these other complaints if a class action law suit happens i would like to be apart of it MY mal is bethmmcquay@yahoo.com or you can call and I can tell you the whole story that option one put us through. 314 520 2105. thanks

by Anonymous From Susquehanna, PA on June 26, 2008

by Mary Jane From Oxford, PA on June 24, 2008

If you want REAL action, report your complaints to www.RipoffReport.com. They can respond in their defense, but the whole country gets to see all the dissatisfied people, and the posts NEVER expire: they're on there forever! I suspect they may be an new incarnation of another bizarre mortgage company that failed to pay our real estate taxes on time and sent us a phoney IRS Form 1098 to boot! (Guess who's getting reported to the IRS Fraud Unit in California!) Good luck to all of you.

by Anonymous From Detroit, MI on June 20, 2008

Thank the Lord...It's not just me. I hate Option One. Can't understand what the reps are saying...then they always have the nerve to ask if I could borrow money from friends or family. Yeah. Right!! What are you making? About two cents an hour? Has anyone walked away? What happened?

by melis From Westville, IL on June 19, 2008

OPTION ONE? How about OPTION DUMB! This company has such wrong practices! We fell behind on our mortgage due to a auto accident leaving us a 1 family income. We automatically went into their so called forclosure dept. AAfter paying almost 2,000.00 a month, yeah that's right, we went form a 600.00 payment to a 2000.00 payment and then all the fees, they charged us fees on our fees. We were so fortunate to have a banker look over our MESS and they refinanced us. They called this so called company 3 times in 7 minutes and got 3 different payoff amounts not to mention our new loaner was told there was a fee of 150.00 to figure the payoff amount. My nephew also got tied up with these people. Having the same problem. He got an attorney and he has overpaid them. Now they say he owes even more because they have to refigure his loan and make adjustments. I will never recommend this company to anyone, this is not the type of company that helps people. H & R Block bought them and sold them right away. A friend who works with them said they found out about the practices they do and was loosing tax customers nationwide because they had people loosing their homes. I don't think this company should be allowed to do the practices they do. Banks dont even charge fees on top of fees. That is crazy. Option One is not your only option, stay away from them, they will force you to loose your home, stress out your marriage and put your working husbund in his grave before his time.

by Anonymous From Nashwauk, MN on June 19, 2008

I have been dealing with oom for two 1/2 years. I totally understand everyone's plain. I'm glad to here from all of you because I truly thought I was the only one dealing with them. I hate the fact that my husband and I work full time for what. Them to take our house. I haven't received a bill from them for over a year, nothing on knowing what I was to pay so I would just pay what I thought was my payment then every once in a while I would get a certified letter stating that I owed a couple thousand. I just received a letter from a attorney ( that number is no longer in service)that my house was going into forclouser. I set up a repayment plain with oom that only the rich of rich can afford and every time I call there its a different amount that I owe. Of course because they have jacked my husband and i around for so long know no mortgage company will touch us to refinace us because our credit is shot. I'm filing a complaint and I'm willing to do what ever it takes to get rid of this company so all of us can get a normal mortgage and be able to sleep at night.

by diane dehart From Fremont, CA on June 19, 2008

by Anonymous From Fremont, CA on June 18, 2008

by mike cummings From Bedford, IN on June 17, 2008

they do not care about the working class people of America, all they are interested in is taking advantage of people anyway they can. they should not be allowed to even have a company in the USA!!!

by Tina Jenkins From Willingboro, NJ on June 17, 2008

i can not neglect the fact that it is my responsibility to pay my mortgage. however doing everything option one suggested or referred to only find out that it was all in vain is disappointing and very upseting.

by Anonymous From Orange City, FL on June 16, 2008

You ask for help. They reply we are not a loan company we can not help you. We received a letter that they sold our mortgage/ In the same mail we received the payment back that was sent in because I could not pay the past due amount. Letter dated 6-6-08, stating that we owed 5544.00. When I called a lady who could not speak english and talked to fast she told me that we owed $11000.00 because our account had already been turned over for forclosure. We received the letter dated 6-6-08 today 6-16-08. Her response was that the house went into forclosure on the 11th of June. They took there time mailing out the letter so that it would be to late and then we would go under forclosre. They are not willing to help. We do not want to lose our home.

by Thom Gray From Mesquite, TX on June 16, 2008

this company has led us on for over two yrs for a loan mod, after we paid for all the title search's and all. Today June 16, they tell us that our loan mod is denied!!! this company has been terrible to work with and totaly un trusting company. Every loan officer I had work with has bailed out of this company and we had to start all over again, Two yrs of not knowing what to do about my home, and now they denied our mod and saying that the house will be put in foreclosure and sold at auction!!! Crooks, and thieves!!!

by Michael Stafford From Atlanta, GA on June 16, 2008

We discussed our situation with them concerning a loan modification program, @ this point we are waiting to hear from them.

by lisa From Holts Summit, MO on June 15, 2008

nightmare company

by jan From Jefferson City, MO on June 15, 2008

So Funny!!! I cannot believe this. I feel everyones pain. I thought it was just my family that was dealing with these problems. I would literally get sick to my stomach if i need to call the idiots in customer service cause i didnt want to speak with the nonenglish speaking idiots. I would always tell them i pressed 1 for english. we have been through it all. Returned paymest raising rates, lawyers fees etc ect. I felt like my friends, family and coworkers thought i was a liar when i try to descibe what this company has done to us. I have sent complaints to the attorney generals office here in MIssouri and in Claifornia no repsonse yet. My latest problem is the escrow i have paid the insurance and they keep charging me for theirs. I do not want there insurance company. I had my insurance companny call them and he was dumb founded with this company and there representatives. I received another letter from Option One on the mail yesterday, delayed in opening it cause didnt want to ruin my weekend. Just opened and cannot believe this my loan has been sold to American Home Mortgage Servicing out of Irving, Tx, Has anyone heard of this Company?????

by Shakeeda jackson From Philadelphia, PA on June 13, 2008

by Sharon Rycroft From Melbourne, FL on June 11, 2008

by Nicole - Edmond, OK From Edmond, OK on June 10, 2008

We are not behind on our mortgage and never have been. Although we dont always pay it on the first, I pay online through .www.oomc.com its always paid before the 15th which is the cut off for late fees. We never have had to pay any late fees because we always pay before the 15th. Whith that being said I HATE THIS MORTGAGE COMPANY, it never fails they always start calling and harrassing me on the 2nd day. They call every day, sometimes twice a day until they see the payment has been made online. They always ask when are you going to make the payment. I tell them its non of there business. They say well we can stop these calls if you will tell us what day you will be making the payment. I always tell them it will be between now and the 15th. I have repeatidly demaned they stop calling me. One time they told me that not paying on the 1st can hurt my credit. I said you cant put anything on my credit unless its over 30days and if you do I can sue you. I said so how will this hurt my credit, he said it would hurt my credit with them (oomc) I laughed and said do you really think I would ever refinance or use OOMC again. Now I just ask them when they call :is this option one" when they say yes I just hang up. They are worthless and cant wait to refinance in a month. I wish I could get a hold of there numbers at home and call them everyday and night.

by JAmes Edwards From Bridgeton, NJ on June 10, 2008

by Belinda Landry From Gonzales, LA on June 10, 2008

by Anonymous From Kaneohe, HI on June 06, 2008

Back in 2006 my husband and I refinanced our mortagage because of debt issues. We didn't know what we were getting ourselves into, if you know what I mean... lies, foreign speaking people, harrasing phone calls, won't accept partial payments etc... They said that we were 3 months behind on our mortgage and they were going to foreclose on our home, $23,000 payment to stop foreclosur3/8k-9k for deposit to reinstate my mortgage, $11,100.32 for payment/interest/late fee etc, $10,000.00 for Atty Fees, $1,850.00 for misc admin fees and denied me a loan modification because we don't qualify. What the F... is that! Right now we're trying to save our house with what we have!

by anonymous one From Lake Stevens, WA on June 05, 2008

My wife and I had purchased our home in Washington state, and we have been stuck with Option One for th epast two years. We normally have gone through Coutrywide and have been happy with then, but this was something new... After twenty four months of lies, mis-communication, harrasing phone calls, and headaches on a loan that we were NEVER late one day on, we are now finding ourselves out from under this horrid organization and back in with Countrywide... At a 2.4% reduction in our rate as well. :) STAY AWAY from these people, no matter what !

by Beverly LaPrade From Winchendon, MA on June 05, 2008

This is the worst nightmare company I have ever dealt with. If you are unfortunate enough to get behind on your payments, they won't work with you and no matter what you spend on lawyers they will end up taking your home. The Federal government should make them work with people, instead of taking all their money and your home as well. This is like an undercover terrorist attack on America as far as I can see. You can never get people who speak English, and they say one thing and do another. This whole mortgage crisis could be avoided if they would re-write loans at affordable payments. I am pay 11%, and they have been raising my mortgage every 6 months, instead of every 2 years, which is what I signed up for. Even at closing, they made me pay one payment up front which I never got credit for. And if my rate is adjustable, then why hasn't it gone down? This is the worst experience of my life. If you are thinking of doing business with this company, the best advice I can give you is RUN. Find a different mortgage company or you may end up in my situation. The whole thing is making me suicidal. If anyone is starting a class action lawsuit, please contact me.

by Anonymous From Middleburg, FL on June 04, 2008

by sheila olive From Willingboro, NJ on June 03, 2008

by Robert Melvin From Schoolcraft, MI on June 03, 2008

by Anonymous From Middle River, MD on June 03, 2008

by Anonymous From Dallas, GA on June 01, 2008

They have for some reason tried very hard to make it impossible to keep my home. I truly believe they prey on people and their vulnerabilities. I tried every option I could find to work with Option One before the only way to stop my home from being auctioned was to filed bankruptcy and it still has been a nightmare ever since. I honestly feel like it made them mad that they were not able to auction my home.

by Anonymous From Tamiment, PA on May 30, 2008

OPTION ONE IS CORRECT! YOU HAVE ONLY ONE OPTION THAT IS TO PAY NO MATTER WHAT OR GET OUT. YOU CAN FORGET ABOUT THEM WORKING WITH YOU.

by John From East Stroudsburg, PA on May 30, 2008

This company is by far the worst company I have ever delt with. The Indians are stealing our American jobs! We all pay high interest rate for OOMC to pay them $1.00 or $2.00 per hour, that's sad! I alone could support about 15 of them a month. I think OOMC should hire HONEST Americans to begin. What happen to the feds helping in the major mortgage crisis I didn't receive any help! did anyone? I see that the feds are helping the strapped mortgage companies but not the little people like us. OOMC should be put out of business. To our politicians WAKE THE HELL UP! you have a major problem at home stop fighting dumb wars and start fighting the mortgage war against the American People. Bring OOMC to justice! There should be a Reward for anyone who files a class action suit against them.

by Anonymous From Durham, NC on May 30, 2008

by Anonymous From Durham, NC on May 30, 2008

by william morello From Fair Oaks, CA on May 28, 2008

the people at option one, when my wife called them to see what we could work out, told my wife to GET A JOB, that she had to work to keep our house, and they said more.

by Anonymous From Milford, PA on May 27, 2008

not willing to work with customer, I dont think they should even be in buisness, they advertise that they will work with you, but that is false advertisement on their part.I was willing to make payments to bring loan current but they will not accept it, That is not good buisness, wanted a outrageous amount to bring loan current or, double my mortgage for 12 months before it would report current.

by Michael Cook From Lake City, MI on May 27, 2008

by Anonymous From Youngsville, NC on May 27, 2008

by George W WATSON, Jr. From South Orange, NJ on May 20, 2008

by Anonymous From Summerville, SC on May 19, 2008

I was not told about going in to foreclosure. I had made a payment and it didnt post to the account on the web site so i call to find out why. They said i went into forecloure on the 15th of may 2008 but i made the payment on 15th of may 2008, so they foreclosure shouldnt have started yet. so Option One said they wasnt supposed to take a payment but it was before the foreclosure started but nobody check to see if a payment was made so they say they will get back with me and that was on the 16th of may 2008 and today is the 19th of may 2008. The payment still havent poet yet but it was paid through my bank through bill pay and option one did accept it, so i will give them one more day to post to my account then i will call option one to find out whats going on.

by Anonymous From Kansas City, MO on May 19, 2008

by Anonymous From Sealy, TX on May 15, 2008

please help save our home....

by Faith Griffin From Forestdale, MA on May 15, 2008

I was in touch with a Tim Robinson who told me to wait to hear back from him. He said for my bankruptcy attorney to fax the release directly to his desktop because it would be handeled faster. I waited, and weeks later was told he was no longerr with OOMC. hen I was told, reguardless of the stipulation payments, to justpay the mortgage and I would not lose my home. Now OOMC's attorney has filed for relief from the bankruptcy court BECAUSE of the stipulation payments! I was also sent a letter asking me to send a letter to them if my ARM payments going up would cause a hardship. I sent the letter and was told later, by the same man who laughed and told me just to "make the regular payments", that what I sent was called a hope letter and not to worry, "It will all be worked out in the modification". HELP!!!

by Anonymous From Scottsbluff, NE on May 14, 2008

This company is horrible. No one there speaks anything better than broken english. You get a different answer to the same question everytime you call. They will work with you, however they won't tell you all the details so you are left in the dark until it is too late to fix any issues.

by Joseph Demitro From Rancho Cordova, CA on May 14, 2008

No help to its customers ,customer service based in India with no understanding how to deal with customer concerns.

by David Compton From Humble, TX on May 13, 2008

by K. Will From Palmdale, CA on May 13, 2008

I dont know abour the rest of you but I just filed a lawsuit against Option One today in my District Court. If you have any questions contact me at KWilliamsSr@gmail.com

by Anonymous From North Bennington, VT on May 12, 2008

by Anonymous From Chillicothe, OH on May 11, 2008

by kevin From Patchogue, NY on May 11, 2008

their they suck and would gfore close on their own mothers if they could...I WILL HOPEFULLY HAVE SOME GOOD NEWS FOR ALL OF US TODAY OR TOMMORROW I HAVE A FRIEND WHOS BROTHERS WORKS WITH THIS COMPANY I M HOPPING SHE WILL GIVE ME SOME INSIDE INFO TODAY OR TOMORROW.. SHE SAID SHE MIGHT ALSO GET AN ATTRONEY FOR US SO WILL CAN START A CLASS ACTION SUIT. I WAS WAS TOLD A REALLY GOOD ATTORNEY CAN GET OR MORTAGES DISMISSED, OR BRING OUR PAYMENTS AND INTERST DOWN TO CURRENT RATES. I WILL KEEP MY FELLOW OPTION UP TO DATE.. IF YOU WANT TO CONTACT ME PLEAS EFEEL FREE Thefullerman@aol.com

by Charlotte Webb From Kansas City, KS on May 09, 2008

by Anonymous From Sanford, FL on May 09, 2008

i was put into this mortage thinking that i would have a lower payment within 6 months

by Jose Medina From Rancho Cucamonga, CA on May 08, 2008

by kathismom From Boulder, CO on May 08, 2008

Option One is not reporting me current on my mortgage even though I am (I do owe for May) because of that, my credit scores are worse and I can not refinance. They are still showing me past due over $7600 and I am current. They just give me the run around and lie.

by Kim Lipman From Oak Park, MI on May 06, 2008

I have done everything that they wanted before the sheriff sale took place. I have also contacted the BBB and they are checking into it. But my time is running out.........I have also heard that Option one is being investigated by the Federal Government.

by Deressa Kenedy From Theodore, AL on May 06, 2008

by Anonymous From Weatherford, TX on May 06, 2008

FYI!!!!!!!!! Peole, OOMC is not any thing but merely a debt collector for many lening companies. I am in the process of having investigation done on this predator lender, as that is all they are. If you will note,OOMC is a bill collector only, not a mortgage company. Will advice more later.

by Anonymous From Canyon Country, CA on May 05, 2008

They are the worse company ever!!! I'm tired of the calls one day after the due date. They lose faxes, payments, and other items. I can't wait until a class action starts against them.

by vinton patton From Mansfield, OH on May 04, 2008

I have made several atemps to contact them about my mortgage payment. And to see if I was able to work anything out with them in keeping my home. But had never been able to contact anyone and they never answer any of my emails.

by matt schemmel From Northfield, MN on May 01, 2008

Opt. One gave me a 2nd refi in 6 months with no W2 a biz card and a contract I did for a job that I was payed cash for. Since I have been unemployed and Opt One wants 62K to bring loan current and pay 6K for the next 6 months. We talked to someone last week and now our only option is to pay the mortgage in full or we are out of our house in a few months. I am not blaming them for my financial situation, but they could be a little more willing to listen and offer some "OPTIONS"

by Anonymous From Port Orchard, WA on April 30, 2008

I call and they said the would send me paperwork before i was in foreclosure.I waited a month.

by alberto Gayle From Jamaica, NY on April 29, 2008

They are aware of my present situation various attempts have been made to send them payments and they keep returning them.

by Anonymous From Keene, NH on April 29, 2008

by priscilla jackson From Arlington, TX on April 29, 2008

I have never had any problems with Option One. The have really tried to work with me, but something always came up with me. They just need to get people that I can understand the language barrier is very difficult.

by Anonymous From Novi, MI on April 28, 2008

I have filed Ch 13 twice in the last year trying to save my home but my interest rate of 10.2% made the house payment too high and both cases were dismissed. 1st time the only "options" I got were to come up with $20k or $40K. I couldn't do that so I filed for bankruptcy again. When that was dismissed I miraculously got a letter from Option One through HopeNow stating that I was being conisered for a loan modification and that if I contacted them w/in 1 days and indicated I wanted to participate in the program and provided them with documents they would suspend the foreclosure process while the loan modification was being reviewed. I was diligent in contacting them. After the file was sent to the loan negotiator I left a message. Called back when I didn't get a response. They said they didn't receive my hardship letter but somehow got all the other docs that were faxed with it. So I faxed it to the missiing documents department AND to the loan negotiator along with the letter they sent me. The loan negotiator was pretty quick to call me back only to tell me that my investor does not do loan modifications. I asked why I got the letter and was told that my investor might have done them when the letter was sent (3/28/08) but not now (this was 4/22/08). Negotiator told me he'd refer me to a negotiator that works with HopeNow. She called me back later the same afternoon and stated the same thing about my investor. I again asked why I got the letter and she stated that they send them to everyone with Option ARMs and don't screen for the investor code although she thought they should. She suggested I contact my state legislator. This is a week before my Sheriff's Sale which is scheduled for tomrrow. The next day I met with a loan counselor who said that she had had success in dealing with Option One's investors but had not been able to contact anyone at Option One in the past two weeks even though they had a direct private line to them. I complained to the Office of Financial and Insurance Regulation in my state, contacted my state senator and rep and have gotten nowhere. I am trying to contact attorney's for a class action lawsuit, altho I have heard that Option One is in bankruptcy themselves. You'd think the Judge would force them to negotiate, wouldn't you?

by tina laso From Fort Morgan, CO on April 28, 2008

by Anonymous From Scottdale, PA on April 28, 2008

by Rosemary Overly From Scottdale, PA on April 28, 2008

by Anonymous From Bremo Bluff, VA on April 26, 2008

by Valerie Huff From Saint Louis, MO on April 26, 2008

by Anonymous From Toledo, OH on April 24, 2008

does not want to work with you

by christine zaragoza From Sacramento, CA on April 23, 2008

my experience with them was horrible I sent them a payment in October last year to cover my Augst and Sept payment and they sent it back along with a default letter wanted the whole amout of over 6k and then they wld not work with me to get caught up and then they started to do the foreclosed processed its seem to me that companies should want to work out some sort of help and plan to help the american people out

by christine zaragoza From Sacramento, CA on April 23, 2008

my experience with them was horrible I sent them a payment in October last year to cover my Augst and Sept payment and they sent it back along with a default letter wanted the whole amout of over 6k and then they wld not work with me to get caught up and then they started to do the foreclosed processed its seem to me that companies should want to work out some sort of help and plan to help the american people out

by ABEL WILSON From Pueblo, CO on April 23, 2008

FYI- When you call this company and a person that does not speak goo english...ask where you are calling...if they reply that you are calling India or somewhere out of the country you can then tel them that you demand to be transferred to the United States and they have to transfer you. Hope this helps some of you out...I know how terrible this company can be =o(

by ABEL WILSON From Pueblo, CO on April 23, 2008

I have tried numerous time to receive help from the mortgage company and they were not willing to help us. I called to see if there was something they could do to help before our ARM adjusted to avoid this situation and they told me "NO"

by Anonymous From Curtis, MI on April 19, 2008

I tried to send them some money today they said no I paided 672.38 a month 36.00 was on the princible

by Anonymous From Belleview, FL on April 19, 2008

by Anonymous From Ocala, FL on April 18, 2008

I agree with everyone here-you cannot get an english speaking person for one thing and we were being foreclosed on due to escrow for insurance that we were behind on & once we thought we caught up we were told we were going to have to pay an extra $160.00 for escrow and I asked them why when we just got done paying twice our payment for six months to pay all that we owed and they couldn't tell me why so my husband contacted them & he was told they can charge us however much interest they want to on our h/o insurance? what is that? If we pay what they want us to pay that will be over $3,000 in interest for h/o insurance that won't cover any personal property that is damaged? This company is terrible and has caused us a lot of headache & stress.

by Linda Estep From Winchester, KY on April 17, 2008

by Anonymous From Allen, TX on April 16, 2008

This company MUST be stopped from doing business in this country. I'm hoping to take them down here soon and when that happens, I'll post another comment advising where the party is!!!

by Theresa Cecil From Knoxville, IA on April 16, 2008

by Anonymous From Portage, IN on April 16, 2008

Damn i'm glad Option One is sold. Biggest group of assholes ever. The absolute worst company to deal with ever. i hope every one of their employees loses their job and needs help with their mortgage. call india douche bags.

by stacy henry From El Dorado, AR on April 15, 2008

by Anonymous From Wilkesville, OH on April 14, 2008

by Lloyd Rodgers From Woodbridge, VA on April 14, 2008

by Jennifer Pavlosky From Middletown, DE on April 14, 2008

Have been told by our State Representative that they are the most difficult to deal with. They enrolled us in their forbearance program, then did not apply the payments, which made it appear that we were even further behind. In this time of national mortgage crisis you would think that there would be more concern to help and appear to be sympathetic to the borrower, but that does not seem to be the case.

by Anonymous From Sanford, FL on April 14, 2008

they will not work with us i sent them a money order and they sent it back and need someone to work with us. we need a fixed rate and lower

by Lois Gibson From Broken Arrow, OK on April 13, 2008

by Melanie Saienni From New Castle, DE on April 11, 2008

by Paul Taylor From Mount Ephraim, NJ on April 11, 2008

I am trying to make partial payments and they are refusing them. Just last week I was told I could send $1800 to be put on a repayment plan. Now they tell me about a $3000 attorney fee and they need $4500 to stop foreclosure. I'm now trying to pay them $2500 and they won't take it. Please help. They're trying to steal my home.

by Anonymous From Hawthorne, CA on April 11, 2008

by emma From Carson City, NV on April 11, 2008

Now i see that they are going to sell oomc so what is going to happen to us now ? And is there any investigation against this company at all ?

by Anonymous From Zimmerman, MN on April 08, 2008

We have to move very quickly, please, please help me ! (help me, please, please!!!! the delay was that we were waiting for our tax refund and just got it last friday and am ready to move forward now!

by richard richard From Sacramento, CA on April 07, 2008

by Anonymous From Ridgeland, MS on April 07, 2008

by Anonymous From Knoxville, IA on April 07, 2008