We had contacted Performance 1 in December 2009. Jim Sacco was referred by Patti Nelson. We had been misled by Chase; we were under the impression we had a fixed rate mortgage, only to find out to the contrary. We had received letters from Chase that our interest rate could go as high as 12% and within the first 6 months of receiving their notice our mortgage payment increased from $1311 - $1565 and was expected to increase in another 6 months. The first thought that flashes through your mind is “We’re going to loose our hour house”. We felt deceived by Chase and made our decision to call Performance 1. Jim let us know within our first conversation that he could help us. He let us know “I can’t help everyone, there are some clients I have to turn away,” i.e., clients that have called that hadn’t made a house payment for a year or longer or possibly in foreclosure. That fortunately was not our situation. So our official modification began in February 2010. I had no idea of what exactly a loan modification is. I can tell you this, it is nothing like a re-fi (which he can also provide service for), which usually only takes 30-45 days. Jim explained to at least 100 times loan mods take time, you can not rush the lenders another thing to our disadvantage was our lender, - Chase. Oh my goodness. The employees that started the crusade of calling our house 2-4 times a day were rude and most of the time didn’t even get our name right. Chase would ask for the same paper work over and over again. We of course kept complying. At one point Jim placed a call to Chase and they had stated that our loan mod was cancelled because Rick called and cancelled the mod, so we had to start all over again. We had foreclosure warnings on our door, and then finally they sold our loan to LBPS. So then of course the paper work starts over. I know Jim and his staff were just as frustrated as I was. I know they deal with this on a daily basis, but I could call Jim or any member of his staff anytime, which was very often and was reassured. It is a real gut wrenching feeling to know you could possibly loose your house and I really believe Performance 1 can sense your panic. I would without a doubt recommend Performance 1, Jim Sacco and his team to anyone who needs help with their mortgage. Call Jim Sacco even if you think it might be too late or if you are beyond any repair, he will be able to determine in the first conversation if he can help.
Richard Mellin 707.448-9090
Performance 1, yes your performance was #1. When life's circumstances required me to seek mortgagee modification assistance I found it to be a daunting task trying to find a company that I felt comfortable doing business with. With all of the Scams going on I did not want to compound my financial problems with being ripped off. Putting forth a great effort trying to find a reputable company I found PERFORMANCE 1. At the end of October 2010 I spoke with Lisa Dominguez of Performance 1, after our talk I felt somewhat comfortable with their company. I checked the BBB for the rating of various companies that had solicited me and found numerous F ratings, Performance 1 had a A rating. Lisa had me speak with James Sacco and our conversation eased a lot of concerns I had. I submitted my application for their services and the process started, Lisa was very helpful as the ball got rolling. Kim De Santo was the next person I worked with as the process went forward, she was extremely helpful and personable as were everyone I worked with . I would check the BBB rating of Performance 1 every few days and it dipped to A-, the nature of the rating caused me no concern. The final process was handled by Bianca Banales , she was very helpful and explained how the final process would go. I had to get a few things in order on my end for the mortgage company and she assisted me with that. After a few months I became anxious and would periodically call Bianca and she assured me that everything would work out. In March 2011 I received a letter from my mortgage company that my trial period would begin on April 1, 2011. With the help and guidance of everyone at Performance 1 I was able to save $800 a month on my mortgage payment, this made my payments more affordable and thus allowed me to keep my home. It is with great pleasure that I recommend the services of Performance 1 and their great staff to anyone seeking a reputable organization to handle their modification needs. Sincerely Corzell King Jr. 702-953-9598.
We are so happy that we chose Performance 1 to assist us with our loan modification process. We had tried to do it on our own and just hit so many road blocks. We were beyond frustrated and felt defeated. The Performance 1 processor that we were assigned to was just what we needed: tenacious, reassuring and straight forward. She asked for what she needed and we provided her with the requested information and she was able to keep pushing our file through review after review. Finally, we were able to enter into a trial loan modification period. Again our processor played a crucial role in advising us how best to proceed. We are now received our final loan modification papers and then we finally have completed the process! All it takes is time, faith, and providing the necessary documents in a timely manner. I would highly recommend Performance 1 and our processor to anyone who is looking to get actual results. Amanda and Josh Quinley 415 516-4846
