Beware of Home Protection Group (HPG). These people are nothing but con-artists. They convinced me into believing they were going to lower my mortgage payment by conducting a forensic audit on my home loan. There website disclaimer clearly states that they are not a loan modification company, but when I consulted with them they assured me they could reduce my mortgage payment. Sound like a modification to me!! They had me fill out and sign an application giving them the authority to request my original loan documents from the lender. There was no up front cost. I didn’t have to pay anything until the forensic audit was completed. HPG told me, while conducting their investigation, if they were to find any discrepancy in the original loan documents, they would go into aggressive negotiations with my lender. Practically forcing the lenders hand into lowering the principle balance owed on my home to what the current market value is today and also lowering the interest rate on my loan, resulting in a 10 to 30% reduction in my monthly payment.
Well that sounded great to me, because I was then and still am current on my loan payments. I don’t qualify for a loan modification because I am able to make my payments. There are some loan modification companies out there who have their clients intentionally hold back payments so that they can show a need for the loan modification programs. HPG markets their program to home owners that don’t want to ruin their credit. HPG told me due to the fraud committed by the underwriter my case would be resolve in within three months.
HPG did contact my lender requesting information about my loan. I know this because my lender contacted me inquiring why HPG was requesting my personal information. HPG instructed me not to discuss anything with the lender because their Attorney’s were handling my case and that anything I discuss with the lender would complication the negotiations and my possible lawsuit. At that moment, I felt comfortable and confident that HPG was a legitimate company looking out for me. Later I would regret my decision
Shortly after my contact with the lender I had received an email from HPG congratulating me on qualifying for their Home Retention Program. Here is the letter:

Congratulations! Home Protection Group has reviewed and accepted your application as a candidate for the Home Retention Program. Our company feels you have a strong case, and we would be honored to work with you in solving your mortgage situation.

In order for us to move expeditiously forward with your file, please check with your Processor or myself to make sure your payment for the Service Fee is made in full. At this time, only bank-issued cashier’s checks or bank-issued money orders are accepted and they should be mailed to

ATTN: HPG Accounting Department
20955 Pathfinder Road Suite 200-22
Diamond Bar, CA 91765.
www.my-hpg.com/

As soon as your payment is received, we will immediately initiate our legal process on your behalf and keep you informed of the status of our actions.

As your Personal Assistant, I will be your point of contact working together with your Processor to guide you through our process. Please forward all legal paper work and/or notices from your lender(s) as soon as you receive them to your Processor and to me ASAP. There are legal procedures that we must follow in a judicious manner; therefore, it is essential that we have current information in order to act accordingly and in a timely fashion.

If you have any questions, please let me know. We look forward to serving you.

Thank you.
Sincerely,

Jan Vincent Bacon
HPG Personal Assistant


When I spoke with my HPG representative, he told me that they had found so many discrepancies in my loan documents. That they felt they could easily negotiate with the lender because the under writer had defrauded me. The email also stated that in order for them to go any further on my behalf they would need a cashier’s check for $3750.00. After receiving what I thought was great news, I sent them the money.
A couple of months had passed and I had not heard anything concerning a reduction or any contact from HPG, I called their office to find out how thing were proceeding. I was assured that everything was going as planned and that I should be seeing results very soon. Two more months had passed with no results. I called them and was sent to voice mail. I left them a message. No response. I called several more times. Still no response. I found their website and did a live chat with one of their operators. He put me in contact with my HPG representative, a Mrs. Castile. I sent her an email. She did respond by calling me.
When I spoke with Mrs. Castile, she informed me that they had changed the format of the program and that an investor would be contacting my lender to buy my loan at a reduce rate and that my payments would no longer be made to the lender but instead to the investor. A red flag immediately went up. I informed her that I never agreed to that and that this is not the program your company had presented to me or did I ever agree to anything other than the forensic audit and the negotiation with the lender. After hearing that HPG change its format, I told her that I wanted all proceedings to stop and that I wanted an immediate refund of $3750.00 due to the breech of services they didn't provide.
I contacted my lender and informed them not to discuss or negotiate my loan with HPG or any parties. My information is thankfully being protected by my lender. I also asked my lender if they had the received any further inquiries from the HPG group since they first had contact requesting my info. Fortunately, the answer was no. My lender assured me that without my written request on their paper work. They do not under any circumstances release information to a third party. HPG knew that my bank had never given them my loan information.
I have repeatedly requested my money back without any response. They won't return my phone calls or emails. It sounds like another ponzi scheme. Don’t be conned by these scam artist. If anyone out there is thinking of using Home Protection Group (HPG). DON’T DO IT!
If there is anyone out there who has been victimized by Home Protection Group (HPG). File a complaint with the California Attorney Generals office and the District Attorney’s office in Diamond Bar, Ca. Feel free to contact me. We need to contact an attorney that is willing to file a class action lawsuit on these crooks.