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Review 3/18/2009
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I signed up with FLM back in December of 08' and had similar issues with that others on this board had. It was hard to speak to someone who had first hand knowledge of my file. My case evaluator Erik Ochoa was a nice person but it seemed he was the only one that I could get a hold of. I began getting very nervous around the latter part of January when my mortgage company (AHMSI) stated that they were going to expedite the foreclosure proceedings. I let Erik know that AMSI was harassing me and I voiced my concerns in regards to the complaints I came upon after googling FLM, and then all of a sudden I began receiving calls from my negotiator who was Josh. Within 48 hours Josh somehow negotiated an awesome deal where my 9.35% ARM rate went to a 5% fixed for 5 years and took all my past due balances and put them at the end of the loan. Josh also had the late fees waived.. It knocked my payment down by nearly 50%. Although the experience was somewhat scary and the lack of communication between the employees and myself was annoying, they did come through. I also owe some money to FLM and Erik has been gracious enough to extend the remaining balance of the 3500 fee for another month after the mod has been finished. Overall, Im VERY satisfied asides from the few gray hairs.
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