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Is Home Remedy Center a Scam? – Thomas

“Dear Steve,

Im trying to get my mortgage modified ANSI got something from home remedy center and they said they can do it. I can not find anything on the web about this “law firm”. Can you help

Can you help


Dear Thomas,

Home Remedy Center just looks like a new mutation of other groups like Remedy Law. In fact the website looks copied, word for word, just swapping the name. See Is Remedy Law the Same as Prudent Law with Pamela Gerber Gressier? – Karen. They compare the image in that article with the image below of Home Remedy Center.

Screen Shot 2013-04-22 at 2.27.02 PM

Frankly, my gut opinion is you should run as far away as possible from these people. Why they keep changing names is a huge red flag for me.

But don’t trust me, check them out for yourself.

I would recommend that anyone considering using such a company should read the following free guides.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
  3. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

There are two points you need to keep in mind. The first is that it is illegal for foreclosure rescue companies to charge an advance fee. See the Mortgage Assistance Rescue Services Rule at the Federal Trade Commission. Second, check out the free resources below before you spend and money on mortgage modification.

Mortgage Help

Be sure to first read How Not to Get Scammed by a Mortgage Loan Modification Company.

Debt-to-Income Calculator

First you’ll need to determine your current debt-to-income ratio. The target debt-to-income ratio under the Home Affordable Modification program is 31%. Use this free online DTI calculator.

Mortgage Modification Calculator

The mortgage modification eligibility calculator will ask you several questions and then show you which programs you may be eligible for.

The free mortgage modification calculator can be found here.

Free Mortgage Modification Help and Counseling

If you have questions about the process or eligibility you can call 888-995-4673 and get connected with an mortgage modification adviser for free. This help is provided by government subsidized HUD Housing Counselors and they can be a big help in navigating the modification process.

In order to assist you, the housing expert will need to gather some information from you. Have the following documents handy:

  • Information about your first mortgage, such as your monthly mortgage statement.
  • Information about any second mortgage or home equity line of credit on the house.
  • Information about the monthly gross (before tax) income of all household members contributing to pay the mortgage, including recent pay stubs if you receive them or documentation of income you receive from other sources.
  • Information about your savings and other assets.
  • Account balances and minimum monthly payments due on all of your credit cards.
  • Account balances and monthly payments on all your other debts such as student loans and car loans.
  • Your most recent income tax return.
  • It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.

You can also get free help and housing counseling from a local HUD approved counselor. You can find your local free housing counselor, here.

Contact Your Mortgage Company

Not sure if your mortgage company offers modification programs? Not all do. You can contact your mortgage company to ask them about mortgage modification programs you might be eligible for. Click here to find your mortgage company.

NPV Calculator

Want to know the net present value (NPV) of your home for the mortgage modification process? No problem, use the free NPV calculator to find out. The NPV calculator is right here.

The calculator can be used by homeowners who have been denied a HAMP modification because of their NPV result or can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.

No Advance Fees

The Federal Trade Commission has a Mortgage Assistance Relief Services Rule which prohibits advance fees for mortgage rescue services or mortgage modification help.

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • SamaraM

    Hello happy customers, I am not sure who you worked with at Home Remedy Center on a Loan Modification, but I am one step away from filing a complaint with the FTC, BBB, and Attorney General. I have not gotten a response from this company since early JUNE! They were super responsive at the beginning and collecting my $3500 fee. Oh and the people I had worked with, conveniently no longer work there. A huge red flag came to me when I got a phone call from my lender disclosing the HARP program because someone from this group sent my file to them. I didnt have to hire a law firm to send my file to my own lender for the HARP program, I could have done this myself -for FREE!
    Steve-it would be great for you to do more investigations on this company. Thanks for posting, I will keep you updated on my progress.

  • Khalita

    Owner’s real name is Maziar Bordbar aka Matt Brinks, Matt Briggs. Consult Marketing Group is who they use for Payroll, they use Bank of America.

  • Chris

    Home Remedy Center is an amazing company in a not so amazing industry. They are honest, helpful and extremely successful. I requested proof before I was going to give any money. I spoke to previous clients, saw loan documents of outcomes, etc. I decided to proceed with caution, and ended up getting outstanding results. Thank you Home Remedy Center!!!

  • Jean53

    You are wrong! Home Remedy Center saved my house, you have no idea what you are talking about and your ignorant posts and opinions are going to prevent other homeowners like myself the opportunity to save their homes and get better terms and conditions on their loans.

    The BANK was doing absolutely nothing for me and the fee was very reasonable for the amount of work they are doing and the results were completely worth it. We saved a large amount a month, got our interest rate lowered and our balanced reduced.

    I have referred 3 people to this wonderful place and I will continue to do so!

    • Steve Rhode

      My vote is you are a shill for these folks. You’ve posted comments either attacking me or praising them under the names Prudential Law Group, Remedy Law, and Home Remedy Center.

      I’m happy to retract my concerns if you can upload proof of performance for Jean. Upload it here.

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