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Advanced Financial Services - Is it a reliable company?

Advanced Financial Services, Inc. is a financial institution providing mortgage lending services and bill consolidation loans. It is based in Rhode Island but it is licensed to operate in a number of states. In some states, Advanced Financial Services operates as AFS Financial Inc.

What are consumers saying about Advanced Financial Services?

In spite of getting an A+ rating from the BBB, the company has received mixed reactions from consumers who have opted for their services. They have shared their feedback about this company in our community forums. There have been complaints against Advanced Financial Services whereas some of the consumers seem to be quite happy with the services offered by AFS Financial Inc. Here's what consumers have to say about AFS (Advanced Financial Services Inc.):
  • Affiliation: The company claims to be approved by Fannie Mae/Freddie Mac and the HUD but consumers are quite skeptical about it as they haven't found details of the affiliation on the websites of Fannie Mae/Freddie Mac or HUD. The company says they are an active member of Mortgage Bankers Association of America and the National Home Equity Mortgage Association. But consumers say, the websites of these organizations do not speak about any affiliation with AFS.
  • Delayed closing: A borrower missed signing 2 documents but the loan officer at AFS didn't inform him about it. Instead, he kept delaying the closing. The person made repeated calls and each time he was given a closing date, but nothing actually happened. Finally, the borrower called and he was told that his loan has been denied. They cited the reason that he hasn't paid the first mortgage payment. But it wasn't the borrower's fault because the loan wasn't yet closed.
  • Advertising low rates: AFS may send you mails promising to approve you for a bill consolidation loan at a low rate of interest. But once you go through the loan process, you may be approved for a loan at a much higher rate. Thus, you may not be able to save as much as they initially promised you.
  • Dispute over financing issues: A guest in our forums has spoken about his dispute with AFS Financial Inc. regarding a mobile home loan. He says he had a very bad experience with the company. He had faxed the required papers to AFS for a mobile home loan approval. He had even paid them around $375 for the appraisal and finally he came to know that the company doesn't lend mobile home loans. After repeated calls and messages, the person could only get $100 as refund.
  • Flier mails: The marketing department at AFS (Advanced Financial Services, Inc.) may send you mails stating that you're pre-approved for a bill consolidation loan. But this doesn't mean that you're approved. You'll have to go through the entire loan process in order to get an approval. So, it may be just a flier mail to promote the products of AFS and make you contact them in case you wish to choose their services.
  • Response to customer calls: The official website of AFS (Advanced Financial Services, Inc) says the company is fast in approving loans. But there are consumers who have sent all necessary paperwork to AFS for pre-approval only to get no response from them even after repeated phone calls and email messages.
While some consumers have sent their complaints against Advanced Financial Services, others are of the opinion that the company isn't pushy at all. Though the company may send you flier mails for pre-approval, they do not use your personal information, except the name and address when sending the flier mails. Some consumers claim that there may be complaints against Advanced Financial Services (as revealed in BBB reports), but the company has resolved every complaint to BBB's expectations.

If you wish to go for the services of AFS (Advanced Financial Services Inc), or if you'd like to talk to a representative at the company, you may use the contact details given below.

Advanced Financial Services
25 Enterprise Center
Newport, R1 02842
Phone: 1(800) 644-3327
Fax: 1(800) 333-3450
Website: "http://www.myafsloan.com/"

Related Forum Discussions

Had anybody use Advanced Financial Services, Inc. (AFS)? They sent me a preapproval file in the mail. They list their address as 25 Enterprise Center, Rhode Island, 02842 with an 800 number.

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks for sharing your opinion!! :)

Like | Dislike | Share | Posted: Thu, 07/26/2012 - 00:31

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

do u do non verification loans? i did one with u in 1994 for my 2nd home. i owen my owen company and gross profit is 68k each year and sales 150k. house is 250k and loan is 100k mortgage now with chase 47k

Like | Dislike | Share | Posted: Wed, 12/22/2010 - 14:45 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Did your company assign this mortgage to Nationstar Mortgage, LLC?

Like | Dislike | Share | Posted: Thu, 08/19/2010 - 08:58 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Wesley!

Welcome to forums!

Well... after the crisis in the real estate market, there are hardly any lenders who will offer sub-prime loans these days. This is irrespective of any state.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Sun, 05/22/2011 - 23:47

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi mr browne!

Welcome to forums!

I guess you're speaking about Advanced Financial Services. You should contact them and check out if they are still doing no verification loans.

Sussane

Like | Dislike | Share | Posted: Wed, 12/22/2010 - 20:26

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi leonmyerson,

In my opinion, it is always better to negotiate with your creditors rather than going through a third party for a negotiation. I haven't heard of such a package offered by other creditors. In order to have your debts paid in full, you will have to make the required payments. If you do not make the required payments, none of your creditors will mark it as paid in full. If you go for a settlement with your creditor it will always be marked as "paid as settled".

Like | Dislike | Share | Posted: Thu, 09/24/2009 - 21:56

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

It's true that Advanced Financial Services have changed their name to Embrace Home Loans. But it's difficult to say why they have done so...

Like | Dislike | Share | Posted: Wed, 09/01/2010 - 00:13

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

How can AFS approve a loan for bill consilidation services and offer you a loan worth more than your home is valued?

Like | Dislike | Share | Posted: Wed, 10/28/2009 - 19:33 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

to disabled man:

in their defense, the 3-year disability situation is a guideline that is standard. it appears your only other objection was to the appraisal fee of $375. that's pretty close to what everyone gets for an appraisal - and it's not the lender who gets the money, it's the appraisal firm that inspects the property and writes the report.

are there other issues in your dealings with them?

Like | Dislike | Share | Posted: Mon, 12/21/2009 - 09:30

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi nikki!

Welcome to forums!

With a huge credit card debt and no job at this moment, it will be impossible for you to qualify for a loan. You can have a word with your creditors and try to get a repayment plan in order to pay off the dues. If your creditor agrees to give you a payment plan, you would be able to pay off the dues in an affordable. However, if he is not ready to give you such a plan, then you may have to file bankruptcy.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Tue, 03/30/2010 - 01:29

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

does the loan have to be a 30 year loan to get the low fixed interest rates

Like | Dislike | Share | Posted: Mon, 11/02/2009 - 11:57 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I received a letter in the mail concerning refinancing. I am interested in bill consolidation. I have a heavy credit card balance and I am wondering if it would be possible to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] and consolidate my bills as well. Please let me know if this would be possible and how much it would cost to refinance and if it would be cost saving to do this, knowing there are a lot of fees to pay when one finances.

Like | Dislike | Share | Posted: Wed, 09/30/2009 - 13:49 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

justdeb...the first sign of alarm i would see is that he told you your credit rating...that's not reasonable if he was lacking your social security number.

i don't know if these people are scam artists or not, but my disposition towards unsolicited offers of this kind is to simply say no immediately and move on with my life.

Like | Dislike | Share | Posted: Sat, 09/26/2009 - 09:29 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

cingram, you do realize, don't you, that the solicitation you received in the mail has nothing to do with this website?

if you take the time to read what's been said about this particular company, i have a feeling you may want to contact someone else. i don't know anything about them, but i have a distrust myself for unsolicited offers that arrive in the mail or by telephone.

Like | Dislike | Share | Posted: Wed, 09/30/2009 - 14:00

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I recently tried to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] through Embrace. It was a nightmare. Their appraiser low-balled us and when I took my appeal to my loan officer she yelled at me and said, "We're not going to change the value of the home!" I am currently trying to recoup the appraisal fee and submitting both Embrace and the Appraiser to my State Attorney General.

Like | Dislike | Share | Posted: Fri, 12/10/2010 - 10:41 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I used to work at AFS. They are predators and equity strippers and they do it with pride. I was young when I first started and I was not a homeowner either. I thought to myself - I guess this is how the mortgage world works (the above industry rates and excessive fees). When I left there and went to a legitimate lender I felt like burying my head in the sand. I stole from people. Then after I realized why they would hire someone like me - they do not want people with mortgage experience! They want new meat because experienced people would look at the excessive rates and fees and know it was a business to rob the consumer. Which it is.

Like | Dislike | Share | Posted: Mon, 12/21/2009 - 11:10 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi connie!

Welcome to forums!

This is a mortgage community and not the official website of Advanced Financial services. If you want to know about your mortgage application, contact the concerned lender.

Sussane

Like | Dislike | Share | Posted: Fri, 11/06/2009 - 20:27

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

There could be several different explanations for a name-change. Perhaps they tired of bad publicity for AFS and figured that a new name and new image would give them a fresh start. That sometimes will happen, particularly when they get what they think is a "catchy" name like Embrace, which is soft enough to appeal to lots of people. If you think of embrace, for example, you think of cuddling, holding, caressing (maybe you do). Those are pretty much considered favorable things, so the name would lead a certain sort of person to do business with them.

Plus, in any name change, there's the opportunity to generate lots of publicity - new business cards, postcards to existing customers, billboards...pick one...they get this new name out to the public and business immediately picks up.

At least that's the theory here.

Like | Dislike | Share | Posted: Wed, 09/01/2010 - 09:24

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi dmason,

A lender cannot approve a loan worth more than the value of the property. If he does so, that would be considered as illegal. If such a thing has happened with you, then you should take legal steps. You may contact an attorney and take his opinion in this regard.

Like | Dislike | Share | Posted: Wed, 10/28/2009 - 22:32

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

once again can someone tell me about my loan?it is now week 8 with no word from you.

[size=9:df01bcb671][color=Red:df01bcb671][E-mail address deleted as per forum rules. Thanks.][/color:df01bcb671][/size:df01bcb671]

Like | Dislike | Share | Posted: Mon, 11/09/2009 - 07:58 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

an employee.

Nothing more to it. I've received letters from this company excitedly informing me that as a homeowner (I'm not) with good credit (It's bad) I qualify for hundreds of thousands in loans (I don't).

Like | Dislike | Share | Posted: Mon, 01/04/2010 - 20:19 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

how come i'm not surprised to learn of that kind of mass marketing? thanks for the additional information on them, Doesn't Matter.

maybe one day people will stop responding to their promises and see them as fool's gold.

Like | Dislike | Share | Posted: Mon, 01/04/2010 - 20:22

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi connie,

As Sussane has mentioned in the above post, you need to contact your lender to get further information about your loan. I don't think anyone of the members here would be able to help you.

Thanks

Like | Dislike | Share | Posted: Mon, 11/09/2009 - 21:27

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi rdb,

I don't think there is any such rule that states the loan has to be 30 years in order to get low fixed interest rates.

Like | Dislike | Share | Posted: Mon, 11/02/2009 - 21:41

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

that's a powerful assertion, H25. i'm glad you learned the proper side of the business. i suppose you can make good out of evil by using what you learned there to provide better service on this end.

Like | Dislike | Share | Posted: Tue, 12/22/2009 - 12:14

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

AFS was one of the first 3 companies to respond to my LendingTree.com application and offered me a pretty good rate, but we ended up not going through with the refi at that time. A few months later we were ready, so I called them up, we updated our information with them, they emailed me a new offer (with an even lower rate) and I compared it with other offers. I was skeptical because of their name change, but their offer was the best and the broker very pleasant and easy to get ahold of. So we scheduled the appraisal and paid $375. So here I sit with this paperwork, and now I'm nervous. I didn't receive any outrageous offers in the mail (I'm not one to go for those anyway), but rather I went to them I guess through lending tree. I've read through all the paperwork and it SEEMS fair and reasonable. I'm just nervous about signing all this paperwork, being obligated to pay any extra fees and then ultimately being denied. OR, even worse, getting the loan and them something going horribly horribly wrong during the life of the mortgage. I've tried researching more about this company online, but don't really find any information about their loans. Only their aggressive soliciting techniques. Any advice?

Like | Dislike | Share | Posted: Sat, 12/26/2009 - 14:58

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

would like to know what is going on with my mortgage and why no one will return my calls.it has been 7 weeks simce this process was started and i have submited all paperwork necessary. i neeed to hear from you as soon as possible in order to know what my next step will be. connie s.

Like | Dislike | Share | Posted: Fri, 11/06/2009 - 11:54 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Many companies change their name to a new name because they have a bad reputation when dealing with customers. Usually many complaints have been addressed by many customers who have been swindled out of money. As I suspect, there is probably some money involved to get the
loan, but it is not refundable if the loan is not approved. Beware.....

Like | Dislike | Share | Posted: Thu, 02/03/2011 - 02:54 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

You can contact the local debt consolidation companies in your area and check out what type of terms and conditions they are offering you. It will help you in selecting the one that will help you in a better way and let you consolidate your debts.

Like | Dislike | Share | Posted: Mon, 02/22/2010 - 04:10

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I found one complaint posted on several sites. They are AFS else where. The offer seems shady to me. Anyone have personal 1st hand knowledge? Not from web!

Like | Dislike | Share | Posted: Fri, 11/26/2010 - 12:01 | Post subject:

justdeb12000's picture
justdeb12000 | Joined: September 25, 2009 07:40 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have received 3-4 letters from this company and finally called them today. Had a bad feeling when the loan officier wanted my SS#. He did tell me my current credit rating.

What really caused me to say no thanks was:

1. asking for my ss# and not agreeing to mail me the loan package without my ss#.

2. Loan officier told me he was working for Hud thru Advance Financial Services. Just give me a feeling something was not quite right.

I have sent an email to Hud to verify if this supposed loan officier works for Hud. If not haopefully this will be looked into by Hud.

I'm thinking SCAM!!!!!!!

Noticed this company didn't join BBB until last month.
They have over 350 employees wouldn't be surprised some are posting these few positive posts for the company here on this site.

I will be using the prescreen & opt-out notice for this company.

They will not scam me.

Like | Dislike | Share | Posted: Fri, 09/25/2009 - 20:24

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi SheRob!

Welcome to forums!

Well, I didn't find any information about Advanced Financial Services with the address of 3800 Hulen st. ste110 fort worth tx. But you can find a review about Advanced Financial Services from the given page:
"http://www.bbb.org/southeast-texas/business-reviews/investment-securitie....

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Tue, 03/13/2012 - 00:28

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I was gullable enough to call after getting a flyer in the mail. The person who took my application was very helpful and courteous. I was to find out that was short lived. I called him on numerous occasions and had to leave a message only to have to call again to finally talk to him. I am still waiting for a return call from 5 days ago. Stay away from them. They are changing their name to "Embrace Home Loans". When I originally setup my loan with Countrywide, they were always courteous and returned my calls in a timely manner.

Like | Dislike | Share | Posted: Mon, 10/26/2009 - 08:13 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Like most people on here, I recieved a pre-approved Bill Consolidation Loan packet from this company several months ago. Today I decided to do some research on the business to decide whether I wanted to contact them or not. I still have not made a decision on that, but just wanted to let other people who have posted here know that AFS Financial, which has now changed its name to Embrace Home Loans, Inc., is in fact a BBB Accredited Business since 8/11/09. You can check this out on bbb.org for yourself.

Like | Dislike | Share | Posted: Tue, 01/05/2010 - 12:16 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

ncsm - i happen to favor working with someone you have awareness of, whether that's from personal knowledge or a referral from a trusted party, but that's not to say that lending tree is bad.

it seems you've only ponied up $375 for an appraisal; that's not bad, and you should see a good faith estimate to try to determine what other fees they have that are out of the ordinary. if, of course, they're not out of the ordinary, then it'd also appear that you're not jeopardizing much of your money here.

Like | Dislike | Share | Posted: Sun, 12/27/2009 - 21:28

leon.myerson's picture
leon.myerson | Joined: September 24, 2009 08:45 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I'm not sure about these companies not accessing credit reports. I got this type of offer from Chase a year ago, and it listed my credit card balances. It does make sense to me that if a lender knew what you owed, and had a ballpark idea of your home's value (Zillow or another website), they could make their offer. Of course, its still subject to an actual appraisal and confirmation of your income.

Is it true that they can help people who wouldn't otherwise qualify by directly paying off creditors rather than giving the borrower control of the entire sum? Does anyone other than AFS offer this type of package?

I'd be very concerned about the implication in some of these posts that AFS would be trying to "settle" your other debts for less than is owed rather than just paying them off. That would NOT be what I would want. Is this true? I want my debts paid in full, I'd just like a cheaper way to do that.

Would your mortgage balance then be what they actually paid out to your creditors, or are they trying to profit from the difference? If its the former, and its the only way they can make the loan, AND if you know all about it, that might be OK for some people, but certainly not most of us.

Like | Dislike | Share | Posted: Thu, 09/24/2009 - 09:09

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

What can anyone tell me about the Advanced Financial Services with the address of 3800 Hulen st. ste110 fort worth tx?

Like | Dislike | Share | Posted: Mon, 03/12/2012 - 16:27 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

After initial contact I was led to believe that the process would be a n easy close,however after 2 and1/2 months and extreme scrutiny( they would not proceed without a formal letter from the provider of a 72 dollar a month pension) they found something in my tax return that was related to my wife's business(who was not on the loan) and admonished me for not telling them about it.I don't think I would ever recommend this company to anyone.

Like | Dislike | Share | Posted: Sun, 10/18/2009 - 07:12 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

regrettably, the better business bureau has lost a lot of its credibility in the last few years, having granted the best of marks to those who are fully-paying members. some of those had horrendous publicity, yet still achieved at the highest level according to bbb.

i now look askance at ratings from the bbb as a result.

Like | Dislike | Share | Posted: Tue, 01/05/2010 - 13:26

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

do not go with this company they discriminate the disabled,,my loan was ready to close and they said they needed a letter sayin my review would be in three years because it was federal guide lines got it they still will not close all they want is 375.00 for appraisal ,,,this company is a big rip off and how does the us department of housing approve them to write loans

Like | Dislike | Share | Posted: Thu, 12/17/2009 - 14:14 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have worked with Tom Morgan through this company and he was great to work with. They are 100% legitimate and will do what they can to help you or let you know if they cannot.

Like | Dislike | Share | Posted: Thu, 12/09/2010 - 05:06 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

rdb, in fact, you will find that the shorter the term, the better. mortgages are typically offered in terms of 10, 15, 20, 25, 30 and 40 years. what i'm speaking of is what we would consider a "traditional" mortgage product. for offbeat stuff, all bets are off.

Like | Dislike | Share | Posted: Tue, 11/03/2009 - 12:06

ericasmith5681's picture
ericasmith5681 | Joined: May 26, 2012 01:21 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

God knows.

Like | Dislike | Share | Posted: Sat, 05/26/2012 - 01:46 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

so these Embrace loans are a scam??? are there any legitimate companies that i can consolidate my mortgage and student loans to a rate under 5%? I have about 200 grand to refi total????

Like | Dislike | Share | Posted: Sat, 02/20/2010 - 08:47 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

and i have great credit, close to an 800 rating...my current lender is Wells Fargo, i got bumped over from Wachovia, they got nothing for me.... very very very frustrating... i pay all my bills on time and have money in savings!!!!!!!

Like | Dislike | Share | Posted: Sat, 02/20/2010 - 08:48 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I love Advanced Financial Services A+ Better Business Bureau rating. Really I believe the Name and the rating says it all. And when I have the down payment for my Mario Tricocci University I should hope and pray for the same rating.

Like | Dislike | Share | Posted: Wed, 07/25/2012 - 14:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I love Advanced Financial Services A+ Better Business Bureau rating. Really I believe the Name and the rating says it all. And when I have the down payment for my Mario Tricocci University I should hope and pray for the same rating.

Like | Dislike | Share | Posted: Wed, 07/25/2012 - 14:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You know they changed there name in 2009, to Embrace Home Loans? Why

Like | Dislike | Share | Posted: Tue, 08/31/2010 - 08:25 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

"Embrace" sounds like a misnomer...most everyone who has posted here would never think of embracing them again.

Like | Dislike | Share | Posted: Mon, 10/26/2009 - 18:15

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My credit union has done all they can to help us. We have huge credit card debt, and I have lost my job. Where can we turn to get a safe low rate loan? Bankruptcy, seems to loom in our future.

Like | Dislike | Share | Posted: Mon, 03/29/2010 - 14:27 | Post subject:

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