Complaint Review: Michael Kergosien / American Home Free Mortgage TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Michael Kergosien’s programs utilize a paperless system and they accept electronic signatures. Flexible Underwriting is a theme Michael Kergosien prides themselves on. No fees of any kind upfront all costs associated with our loans are agreed to in advance and not collected until closing of your loan.

AAA Worldwide Mortgage preapproved our loan with Fairfield Land & Homes. After going to the closing table three time, they forced Fairfield to back off. Said if he was one day late he would have to pay off the whole mortgage. Less then 20 minutes later Lynn Corley with worldwide called and said she had a dealer who had the same house and was willing to work with us. We then went on Sunday Feb 17, 2008 Brian Berkenbile met us at his location is Mesquite Tx. Arcadia Homes. After looking at the house that was not the same, it was down graded and alot cheaper looking, we said no to that one. He then told us that he had just gotten in a new home that was a lower price then the other one we had looked by several thousand dollars. He showed it to us and said yes we like it. That was all. We signed nothing what so ever saying we wanted that house. The house was tightly wrapped and in two parts like being new on wheeles. He never ever said one thing about it being a 2007 let along a used 2007. He knew we were aprroved for a NEW 2008 Home. All paperwork we have shows a NEW 2008 Schule home which is what we picked out at Fairfield Land and home., not with this dealer. less then 5 days they had the house out on our property that Both my husband and I worked and sweated on clearing the land where the house was to go and prepare for the house every week at least 2 days a week for 6 or 7 months. We paid people to come in and cut down the larger trees we could not cut ourselfes. We have pictures from day one. They then came in and instead of hauling in the dirt for the foundation that was in the cost of the house they dug up dirt from our front drive way and made a 45 ft drive way and now has the water running toward house and under the house instead away from the house like we had it. The outside of the house has damage spots on it from day one and no shirt under the stairway which they are suppose to have. The siding has spaces and waves in it. The inside of the house looks like a Texas Tornado went thur it. the carpet is bad, the walls in guest rooms are coming down. broken windows. The house is unliveable. We could not move in. Every time you turn any kind of water on . tub, shower, toilet flushing the water comes running out underneath the dishwasher. The kitchen floor is rotting out due to so much water damages. This was like this from day one when on our property. This was not the house we looked at. This is nothing but a BIg nightmare. I tried calling several different people starting with Lynn Corley, Christi Moore, shawna Morrison, Dorthey in construction part of the mortgage part and a good 6 or more others. they all refused to help me. Shawn Morrison told us that if we did not sign the final paper work that they would foreclose on the house and land before 1st payment was even made. The more i tried to tell the mortgage company I though we were both being screwed the more ulgy they got. All my payments from day one were mailed Certified and 1st payment sat on someone desk over 15 days. I could tell this from date they signed for the payment. They( World wide mortgage) have toldly destoried our credit history that we work so long and hard on to get the loan. We could not even rent a house or Apt if we had to. Putting up with all this nightmare has destoried my husband health and all our dreams of a retirement. We have gone to so many different people asking and begging for there help. Found a lawyer who agreed to take our case after 7 months or more has not even files any type of paperwork. In the mean time the mortgage company has threathen to do a Non judisal forclosure on our property even though we had never been late. We were suppose to been forclosed upon on May 5, 2009, so I did not make May 2009 payment thinking 5 days later we would not have House and land. We have 5.5 acres of land and the value of the land is worth between $8 and $9 thousand a acre. This is a living H*ll we have been going thur now for almost one year. We would like our land back plus all money we have invested, if there is anyone out there willing to help us fight both companies please let us know. Family without A Dream Houston, Texas
U.S.A.