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. Michael Kergosien is and always has been dedicated to providing the absolute

 We started the application on October of 2012 and was pre approved on October 2012, we were told our intrest rate would me 3.5 and that it was all looking go for the application. making a long story short I read that Liz  was in the office that gives the final approval and I was sending my information to Alan like seconds after he requested them. we had to ask the seller for an extention 3 times because AHFM was taking there sweet old time. I mean Alan would tell me Jose weeks in advance that something might have to be changed and he wouldnt request it till it was due ....a few time I have to get on the phone and beg the apprisal to complete the name changes and other stuff because the loan process was taking way to long. we ended up paying $75.00 a day for not closing on time that made took 1750.00 from our money. we ended up closing 7 months later. we closed on May 2013. I asked Alan about the bad reports and all he said that was an Irate employe and a customer well needless to asure anyone reading this its all true . IF YOU WANT A MORTGAGE THAT WILL BE QUICK PLEASE LOOK ELSE WHERE I WAS GOING TO TELL OTHE PEOPLE LOOKING FOR HOUSES ABOUT THIS MORTGAGE COMPANY BUT I HAVE DECIDED NOT BECAUSE I DON'T WANT ANYONE TO DEAL WITH WHAT WE WENT THROUGH WITH THIS COMPANY.

JOSE