Pacific Empire Lending previous called themselves: Forefront Mortgage Services


Mortgage Scam/Telephone Fraud


Company information:

Pacific Empire Lending previously called:
Forefront Mortgage Services, LLC
Erika Giron or Salazar
800 Fifth Ave Suite 4100
Seattle, Washington
United States
Phone: (206) 447-1424 or (425)788-6007
pacificempirelending.net -or-
forefrontmortgageservices.com

This company stole $3500 from me. I spoke with a lady who claimed to be Erika Salazar. She promised me a mortgage loan thru their alternative program for interest only loans. She stated they will help me raise my credit score. She stated when I find a house and my offer is accepted they will provide me and my agent with a pre-approval letter, finance the loan and handle closing in house. She stated there are no fees, the initial $3500 is going toward my loan and they make their money off of the interest on the home.

When this did happen, she asked for more money, a $595 processing fee. She stated was need and I reminded her of all she had said previously. She said it is needed or the loan process won't go forward. I advised her to take it out of the money I already sent and she stated she can't touch that. I asked for refund and she stated she can take it out of the money I sent. She stated that after my fees will determine the new amount of home loan I qualify for. She is a scam artist.

I asked for refund again and she declined. She said she will after I send notarized letter but they changed the address on their website to Seattle when they are in Las Vegas, NV. She was rude, disrespectful; I asked for her boss. She put a gentleman on the phone that called himself Ryan Ruda Sr. (he spelled it for me). He was ignorant and rude. He began telling me I could have a refund or he can deduct the fees from my money I sent. I explained the things they had told me are have changed so much I am no longer interested in doing business with them unless they can follow the initial plan of action. He got loud and told me that he is the owner of the program and it was design especially for "you people" in the south. He then went on to tell me I have a "slave mentality".

I, again, asked for a refund and the address to send mail. He declined and told me that he wasn't giving me one dime if I didn’t' want to play by their rules. I advised I would press charges and he said to go ahead because he pays $3000 a day for his attorney.

Bottom line: They won't give me a refund of my $3500. I have contacted initial Escrow company _ American United Title & Escrow and spoke with Gina Thomas the Escrow officer. I told her I wanted a refund when she initially advised me that Erika was withdrawing the funds. She stated that as far as she could tell the terms of the agreement have been met and she has to release the funds.

The terms were: Disbursement Condition- Agent is hereby instructed to disburse the Deposit to the Facilitator through this escrow upon satisfaction of the following conditions:
(a) A pre-approval letter for a mortgage to be issue to the Depositor's and or realtor

I signed this after speaking with Erika and she let me know that a pre-approval letter will be delivered to me for the home I select to go with my offer and once received she will complete the paperwork and finance my loan.
the Return of Deposit section states: Agent is hereby instructed to disburse the Deposit back to the Depositor less a $300.00 Escrow Fee being deducted from Deposit if the above condition is not satisfied within_(14) business days from the date of these instructions.

I have not received anything from this company since the date of this letter but phones calls and denies for a refund. You can preview and zoom in on the attached document I have attached well with Windows Picture and Fax Viewer.


Here is the information I have on them:

Forefront Mortgage Services
Erika Giron - Mortgage Consultant
Other names: Erika Salazar

Current Contact #’s: 702-741-6141
206-447-1424
Fax # used: 866-422-0529
Previous #’s: 702-951-3410
702-576-9702

Address from contract:

8670 W. Cheyenne Avenue Suite 120
Las Vegas, Nevada 89129

Address from website:

Forefront Mortgage Services
Bank of America Building
800 Fifth Ave
Suite 4100
Seattle, Washington 98104
(206) 447-1424

Website address: http://forefrontmortgageservices.com/

Uses Escrow account with:

American United Title & Escrow
2637 W. Horizon Ridge Pkwy, Ste. 120
Henderson, NV 89052
Tel 702-990-6145
Fax 702-990-6146
Website: www.autitleandescrow.com

Transfered funds from there to her personal account at:

Corporate Headquarters
U.S. Bancorp
U.S. Bancorp Center
800 Nicollet Mall
Minneapolis, MN 55402

US BANK NA or ACH

Bank Name US BANK NA
Routing Number 102000021
Address EP-MN-WN1A
City ST. PAUL
State MN
Zip Code 55107-1419
Telephone Number (800) 937-6310
Office Type Main
Servicing Number 101000048
Record Type Code 1
Institution Status Code 1
Record Revision Date 2005-02-14

**Bill at this bank stated they have no account in the names: Erika Giron, Salazar, Ryan Radu, or Forefront Mortgage and they would not give me the name on the account. Their Fraud Dept:877-595.6256 would not deal with me directly but said to press charges through my bank. My bank said once it is wire there is nothing they can do.


I you would like more informatin or you have further information or can assist me then please contact me. I have documented every interaction with these people and i know others that she has scammed. My email is [email protected]