I went to coutry wide home loans and got scamm by the home loan consultant and the realtor Noe ventura, they were charging me up money to fix my credit and other fees that i later found out were false, when i confront them Noe ventura call my friend a told him for me to shut up or he was going to call immigration on hime, so i stop for my friends safety and mine and my family after getting harras over the phone, email and text. Noe Venture is a thief . i even got a police report on them after. Stay away.

I have five loans with Countrywide Home loan I have never been late on any of the loans, I contacted Countrywide and I explained to Frank Fimanio that because of the economy I am having a problem paying the first second and third I have on my primary residence so I need to consolidate the loans into one loan, he said he would have to run my credit. After running my credit he said if he was to consolidate the first, second and third on just one loan I would be saving approximately one thousand dollars a month, I said great. He then said I need to provide proof of income I explained to him that I am self employed and business is bad just like the economy but I provided my 07 tax returns. I was then transferred to Eric Lopez and after checking my tax returns he said I did not qualify to consolidate the loans in other words I need to prove I can pay one thousand dollars less a month to qualify for the loan. I was then transferred to the home retention department and I spoke with Faith 800-669-6650 ext 7894 she asked me questions, I answered and then she told me I did not qualify for anything because I am not delinquent. I am currently paying approximately $2, 500 extra each month Countrywide refuses to consolidate even one of the five loans I have with them. I spoke to numerous persons at Countrywide and they said basically as long as I am current we cannot help you and I don’t earn enough to justify consolidating the loans which will reduce my monthly payments. I explained to Countrywide that because of this economy I have burnt though my savings and I am running out of options. I called Countrywide at 800-208-8148 ext 8605 on January 06, 2009 and I spoke to Gabrielle and I explained my situation desperately trying to save my property and my credit, she said if I do not make the payment on time there will be a late charge and my credit will be impacted and if I fall behind I could sell the property back to the bank. It seems to me that is what Countrywide wants me to do. After putting a large down payment and paying on my property for years give it to Countrywide. Is not the billions Bank of America received from the government enough?