Testimonials

Hear what our customers have to say...

 

Dave Smith Does It All

I spent several years searching for a mortgage auditor that “does it all.” I’ve had success getting and using “partial” audits (TILA from this company, underwriting from another) but Dave Smith does it all. His audits lay out in exact detail how people were victimized by banks and brokers, and have become the cornerstone of my foreclosure defense practice.

John R. Badeen, Attorney at Law
Of Counsel ,Xuereb Snow, PC
Office: 734-455-2000
Cell: 248-787-1328
Fax: 734-455-2013

 

Thanks From Our Heart!

Dave I just wanted to write you a quick note of THANKS from both my wife and I for the efforts you have done for us.

Living in a very remote area of Michigan we had been searching for years to find the legal assistance we required.  Yes, we searched the phonebook, searched the internet, and were given a lot of useless assistance.  We were even burned by one company for a fairly large sum of money in our desperation to find the legal help we were seeking.

Upon getting your name from a referral we contacted you.  We explained our desperate situation to you and you immediately explained the options available to us (at no cost).  We then decided to retain you for our needs.  YOU immediately began working on our situation.  YOU were able to find many legal issues with our mortgage and the steps to follow to get them resolved.  YOU even went so far as to refer us to an attorney for the legal assistance we required.

We know we are in for a long struggle but YOU have put as on the path to resolving our situation.  We want to THANK YOU for the efforts you have put forth and HIGHLY RECOMMEND anyone needing mortgage assistance to contact you for the answers to their problems.

Last night was the first night I was able to get a reasonable sleep, THANKS to the help you have provided.

THANKS FROM OUR HEART!

Greg and Cathy
Hancock, Michigan

 

You Provide the Best Service

You provide the best service and product I have ever come across bar none. Your audits have exposed statutory violations, along with the unethical predatory lending practices perpetrated by unscrupulous lenders, and identifying these violations for the benefit of the people. Your audits can be relied upon by an attorney as a road-map for legal resolution for the client.

Daniel P. Marsh
Troy, MI

 

 

You Stuck With Me

It all started when I had some medical issues 2 years ago that caused a loss of income and I began to fall far behind on my mortgage and their method of helping was increasing my payment by $700.00 per month for 18 months.  There was no way I could do this.  I just took an across the board 10% pay cut and no overtime.  A normal work week for me is 55 hrs. I looked for help from a company that deals with loan modifications only to fall prey to a scam.  They have since been shut down by the FTC. I came to Umoveon Co. in May of 2009 with this now very serious situation. The house already through the auction and things were looking very bleak for redeeming the property.  This property is where my wife of 24 years grew up. Even with you help at first they would not budge on doing a modification even after months of paper work and filings to the note holder.

YOU STUCK WITH ME! You talked to me about getting a loan audit done to see if there were any thing that just might give us the leverage to have them reconsider a modification.

All I can say is Thank you very much! It came down to the wire with only 2 weeks left before they would issue an eviction notice.  And after all the No's...all of a sudden they seem to have quite a change of heart.  In the end, I have a mortgage I can afford, it is current, and is a better deal than some class A credit people can get. The loan audit I am sure this is where their change of mind came from. Thank you for being an Honest, very hard working, and caring business!

Sincerely,

Kim Fannon and Family

 

 

There aren't words to express my gratitude.

I was without any hope of resolving my situation. Then I found a business card for U-Move-On with Dave's name and phone number.  I made the call and it was the best thing I ever did.  Dave's professionalism and support helped me thought one of the darkest times in my life.  There aren't words to express my gratitude.      

Carol B. from Plymouth, MI

 

 

Personable and Supportive

Dave Smith from U-Move-On has been an incredible blessing to me and my family.  We have progressed from feeling trapped with very little hope of anything changing to actually knowing that there is hope and are now looking forward to freedom again!  Dave has been very personable and supportive as he helps us navigate through these uncharted waters– He has been the guy I kept hoping existed but could not find for so long.        

Dan from Macomb Township

 

 

Biggest Blessing

I want to start by saying that finding UMoveOn and Dave Smith has been the biggest blessing and answer to prayer for our family. They have taken a situation that seemed so stressful and insurmountable and made it the most unstressful time of our lives. It is so nice to have someone on our side. I can't imagine having had to go through this situation without someone like Dave to turn to with any questions we have. All of the people that we have come in contact with through Dave have been just as great and helpful. I would and have recommended them to anyone I have come in contact with in a similar situation and will continue to do so."

- Josh and Melissa Wayne, Michigan

 

 

Tremendous Help

I am glad to have David Smith (UMoveOn Co) to be my advisor for selling my house in this very challenging environment. He helped me to prepare good quality document to meet the requirements of my bank. He also helped me to negotiate with bank mortgage officers professionally to address my personal difficulties. I really appreciate his tremendous help to complete the short sale of my house which relieves my financial burden greatly. I'd like to recommend him to anyone who had similar situation like mine. 

W. Chiang, Troy, MI

 

 

Best Decision I Could Have Ever Made

I just completed my short sale thru U-Move-On; can't thank Dave Smith, Alan Stalter and their company enough. Professionalism in every aspect. Didn't have any idea which way to turn too until I found U-Move-On Co. and it was the best decision I could have ever made. I would truly recommend Dave Smith and U-Move-On Co. to anyone. It was a tough decision to move on but the education I received from Dave and his company made it easier.  

Frank W., New Haven

 

 

Extraordinary Support

Dave Smith was an extraordinary support to me in a time when I could not find anyone capable to help me fight the big lenders in order to keep my home. It was a lucky day for me when I just happened to find his website on line. Dave's knowledge, vast expertise, and persistence resulted in a wonderful modification with a very low interest rate. Dave's great compassion, wonderful optimism, and caring ways were a tremendous support for me in a very challenging time in my life. Dave knows all the best people in his industry and because of his dedication I can now stay in my home. Thank you Dave for all you do.

Sandy Hartman, Brighton, Michigan

 

 

The Most Effective Type of Audit

Our efforts to work out a suitable Loan Modification with our lender has been nothing short of a nightmare. After a year of frustration, we learned that a Mortgage Loan Audit can be a very effective tool to gain leverage over our uncooperative lender. We felt that we were taken advantage of by our loan officer from day we signed our mortgage documents. Our lender increased our closing costs from about $5000 to over $11,000 which we did not know until the day we closed. We were expecting a 30 year mortgage, but the actual loan was changed to a 40 year loan without our prior knowledge. Even more shocking was the fact that after paying $2085 per month for 30 years, there was a “BALLOON Payment” that would be due for more than $182,000! (The original mortgage was for $270,700 with an APR over 10.8%). We had waited over 6 months for our new house to be built and we would have lost a lot of money that we paid to the Builder if we did not close on this loan. Our loan officer assured us that we could refinance to a better mortgage and rate after one year. Did I mention the 3 year Pre-Payment Penalty? We actually had 2 Forensic Mortgage Audits done: The first one was done by a “Certified” auditor who found NO VIOLATIONS! They ran all of the “numbers” through their audit software and everything was technically “in compliance”. We then had a second audit done by David Smith from Mortgage Loan Audit Advantage LLC (part of Umoveon LLC). The second audit revealed MANY violations including evidence of “Predatory Lending”. The Mortgage Loan Audit was a manual review of all of our documents which we learned is the most effective type of audit. Our attorney has already been contacted by a lawyer representing the Bank...they now want to “work things out”.  There really is a HUGE difference between Mortgage Audit Companies; we are proof.

Larry Coker, Oxford, MI