First Franklin Loan Services
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Category: Miscellaneous
Contact Information
United States
ff.com
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First Franklin Loan Services Reviews
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JacD54
May 28, 2010
Would not assist me
I was told that First Frankin purchased my loan. They raised my interest rate. I fell on hard times. The mortgage co. refused to work with me. This is inspite of all the bail programs and after all the modification programs, this company refused to refinance my home. I currently owe $20, 000 more that what the home is worth. I have tried my hardest to work with them and they absolutely refuse to work with me. Also I have tried to work with these people. I am a single father with two children and they are not willing to help. I have worked for the past 16 years since graduating from college.
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OctR15
November 24, 2009
Scam
I am a disabled veteran and this mortgage company said they would work with me but has not and said that I either should sell my house or I will loose it. I have a fiance and 5 children and i think First Franklin would rather see us living on the street then helping and keeping us in our home. They say they will help in hardship times. YEA RIGHT!!! They want you to come out of it before they will help.
When you are a disabled veteran and do not work anymore and cant due to your injuries, that was sustained while in IRAQ, serving our great nation and keeping the people safe that work behind that desk, you think they would help, even if it was to take the 9.7% interest that I pay down to at least 6% that would help me to keep food on our table and water running to take a shower and lights on to keep our milk cold.
I have never heard of a mortgage company that don't give a rats @!# about any of its people. I have a loan of $76, 000 with this place and if I get to keep my home in 30 years I will have paid this dump over $279, 000. All I have to say to this place is "First Franklin you are not welcome for anything and they way you treat a veteran you should take your company over seas and you would fit right in with the teariest, and for the way you treat a man that has fought for you to have your chair on wheels that you sit on every day!
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CarD18
November 5, 2009
Bad service
First Franklin illegally entered my home, changed the locks and removed all of my belongings. All they did was say it was a mistake and returned the new key. And then they did it again two months later. I have tried contacting them repeatedly by phone, mail, email, fax. They have ignored all communications from me and my attorney regrading the incident. This happened 8 months ago. I have not received any response from them at all.
They know that this is illegal and refuse to acknowledge that it has happened. What should I do to get this situation rectified?
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N. Perez
August 21, 2009
Home Loan Modification
I am five month behind my mortgage with Franklin Loan Services. Since last March I have tried talking to them in regards to a modification, they told me they will be assigning a negotiator to my case and that it will take like 90 days. Since then I have been calling and inquiring about the status, but they just say I have to wait.
By the month of April, they got into my property and change the locks, turned off the power and water, by then I was out of town and when I came back I realized what they did. By then I was 2 month behind and my neighbors told me what happened, that the bank came and showed them papers alleging that I was behind for a year. When I got inside my property all my the food in the refrigerator was discomposed, the refrigerator was filled with worms and the smell was unbearable, the water from the fridge flowed to the carpets and it absorbed the odor. There were worms also in the bathrooms and some other places of the house. The refrigerator was useless and I had to disposed of it ( 2 years use).
Now they told me they will not guarantee any modification on the loan, that they do not give anything in written stating that they are working my case and if I want to receive any compensation in regards to what they did to me, I have to sue them.
Can you believe this, the ones who have the power (money) do what ever they want with you (even though the property was protected by the Bankruptcy Court) and there is nothing you can do at respect, in fact, they told me they have no obligation to modify my loan (9% interest rate).
Truly the worst bank I have ever dealt with.
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David
February 28, 2009
Entered wrong bank account and I am in foreclosure
My wife became disabled and I fell behind on my payments, I called to make arrangements to get caught up. That all work out fine until I tried to do a payment by phone. I talked to ‘Mark” he took the info and read it back to me but then entered the wrong Bank account info. The company never tried to call me when the check came back. The only way I knew that there was a problem is when I seen that the check never cleared and I received a certified letter that I was going to be foreclosed on and they even gave me a date for the sale. I called them and ask what was going on and the person on the other end said that when the check came back it automatically made any other arrangements null and void. The lady that I talked to even played the phone conversation back and came back on the line to explain to me that they were sorry and that she did listen to the call and all of the info was repeated back but it was entered wrong. I ask if I could make a payment and was told that it was too late for that and someone from the resolutions department would call. Well I am still waiting. I have called them back and all I get is a recording.
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eddiebaum
January 14, 2009
Preditory loan
I got a loan in 1/2007. After 1 year I tried to refi but was now 40K upside down. I got behind as my income fell more than half. 4 times i sent them 49 pages of docs to mediate the loan. Each time they did not receive it and I got further behind. The ywould not accept a mailed in package...only faxed. Finially I got a forclosure notice and I was able to talk to someone. He said to fax it all again and he would get my loan to the mediation dept. A year has now passed. Now they offered me 9.7% from 12.7% for 3 years and then back to 12.7%. They also based the new payments on the true value of the home 118K and put 102K balloon pmt at the end of a 31 year loan! Who would do that?
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joseph stephens & char cannon
December 25, 2008
no longer refinance
we were gong to be okay through this economic disaster until first franklin loan thieves decided "oh, we don't refinance any longer and you have to re-apply for the loan" when we refinanced 5 years ago, we demanded a fixed rate-but as you can see due to this companies underhanded business dealings we will probably lose the house. Do you need a Lawyer to re-finance these days??????? And also the people who sold our mortgage to these thieves are being sued. [email protected] |
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December 1, 2008
PREATORY LENDING
THERE IS NO DOUBT THAT I WAS A VICTIM OF PREATORY LENDING, AND AFTER FURTHER REVIEW OF MY MORTGAGE
CONTRACT, THERE ARE THINGS TOTALY UNDISCLOSED TO
ME, SUCH AS A VERY SIZEABLE BALLOON PAYMENT DUE AT
THE TERMINATION OF THE LOAN. PLUS MANY OTHER
THINGS THAT WERE NOT DISCLOSED.
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October 31, 2008
Scam and cheating
I got behind 30 days due to loss of work. We wiped out $10, 000.00 in savings just to keep up payments as long as I could. I have been trying to get caught up on my payments, since I am working again. They have been telling me that I am $1989.79, so I skipped my utility payments for a month and sent them $2020.00 during the month of September. They still are telling me that I owe them $1989.79. According to my math the 2 grand I sent them should have caught me up on my payments.
When they call, which is about 3 or 4 times a week, to ask 'When will you send us a payment to get caught up'? They are very rude, crude and socially unacceptable, and threaten to foreclose. They keep sending me these stupid forms to fill out to put me on a special program, that will take them 3 or 4 months to decide if I qualify. Plus they will charge me $575. 00 to put me on the program!?! I don't think so!
The loan was supposed to be a 2 yr fixed also, and then be flexible after that. My payments have jumped up and down for the past two years, and my interest rate is due to go up to 8.1% in November.
I would never recommend this company to anyone, not even my worst enemy!!!
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October 17, 2008
Predatory Lending
This company gave us a mortgage via a mortgage broker that is a predatory loan.
8.9 % for a "2/28" ARM and 13.55 % for a 40 year fixed second.
This is not what was told to us by our broker.
They are not willing to negociate so they can keep their payments coming in. Basically, they do not care about their customers at all.
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