testimonials

Testimonials


"Attn: Ken Sarna, President & CEO

"Hopefully this letter can convey, in part, our appreciation for the kindness and thorough service we received from the entire staff at Millennium Consulting Group. Our initial meeting with Ken Sarna introduced us to the possibility of "settling our debt" our mortgage holder who was clearly reluctant to work with us regarding our desire to short sale a property which was deeply underwater and ultimately receive a "deficiency waiver" from the lender.

Linda Stubbs patiently and gently gathered our pertinent personal information. Then she pursued our mortgage company repeatedly until she found the actual person in a department actually in the United States who could respond effectively to our sales offers, etc.

Finally, and by now happily, we began working with the MCG assigned negotiator. He is amazing and worked closely with both us and our realtor to acquire the exact specifications that would be "acceptable" for the bank to "approve" a sale price and "waive" the deficiency of our loan. The MCG negotiator showed a calm tenacity through numerous efforts and was professional and consistent. Even acquiring a reduction in the padded attorney's balance involving some delinquent homeowner's association fees that the bank refused to pay. In the end MCG was able to negotiate the closing of this property, giving us closure and peace of mind.

We are still amazed, frankly, that you all were able to help us complete this process with smiles on our faces as we passed the keys and clickers over to the happy new owners!!! WOW.

Because of our trust and faith in our agent, we (at that time complete skeptics) were able to accept her recommendation & introduction to Millennium Consulting Group. Thank you for proving to be people true to your word. A pleasure all the way through. You all gave us an outcome beyond our expectations.

BRAVO!!!"

–Mr. and Mrs. Moretti
Las Vegas Residents


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"I was recently presented with an ideal career opportunity in another state. However being held hostage by my negative equity residence in Las Vegas had me contemplating a decision which would otherwise be a foregone conclusion. The bank accepting a short sale was something I felt was out of reach considering my income level. My other concern was how badly my credit would be affected by such a process. After speaking with Ken at The Millennium Consulting Group my mind was set at ease. He educated me in the process and helped clear up some clouded information. It was now a no-brainer.

Easy and smooth were not two words I thought I’d be using to describe my short sale. The average move can be quite stressful but the follow up and timely assistance of Ken and his staff has made the difference. Before you even begin to contemplate your situation speak with the professionals at The Millennium Consulting Group."

–Jason
Former Las Vegas Resident


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"Millennium Consulting was recommended by my realtor to help me through the short sale process. From my first consult with Ken I knew it was going to be a great experience as he was very straight forward and knowledgeable. I had visited a local lawyer's office prior to visiting Millennium Consulting and felt as if I was getting a "car salesman spiel" from them, not so with Millennium Consulting. I also felt as if I was a special case due to the complexity of my situation but working with MCG I had no issues getting my questions answered by email or phone. Most of my communication was with Heather and Kathryn and they were extremely easy to work with. I'm so happy that my house sold and I couldn't have done it on my own. Thank you Millennium Consulting."

–Sara Hedrich
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"When my wife and I first decided to attempt a short sale of our house, we had no idea where to begin. We had mixed emotions. While we were trying to eliminate a $2,500 a month house payment for the next 25 years, we were also trying to preserve the immaculate credit rating that we had spent years building up. There were so many government programs out there, and so many companies eager to promise us a successful outcome negotiating a short sale, we feel very thankful and relieved to have been referred to Millennium Consulting Group by our realtor.

From the very first meeting with Ken Sarna, to the constant communications and updates offered by his staff, it was clear to us that we had made the right choice in selecting MCG to represent us. I cannot say enough about their attention to detail, long hours of work, and complete knowledge of what needed to be done. I really have no idea how they accomplished what they did. My wife and I would never have succeeded without MCG. The degree of professionalism exhibited by Millennium Consulting Group has helped us to move past a very bad situation, and enabled us to look ahead to a brighter future.

I would not hesitate to recommend Millennium Consulting Group to anyone who needs help and guidance in negotiating their short sale.

Thank you very much."

–The Hegner Family
Las Vegas Residents


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"Also, I would like to formally express my sincere thanks to you, Shaun, Kat, Troy, and anyone else at Millennium who worked on our short sale. You were all so great and easy to work with, and you helped us accomplish something we thought was impossible. I will enthusiastically recommend your group to anyone in need of short sale assistance. Thanks again!

Sincerely,"

–Mr. Carlton
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"Our thanks goes out to Millennium Consulting Group for their hard work in getting us through the short sale process. We were dreading all the paper work, phone calls etc, but that was never the case. Once we provided Millennium with the requested paperwork that was it. It was an easy and smooth process. We will be sure to recommend Millennium Consulting Group to anyone we come in contact with that may need help with a short sale. Ken Sarna and his staff are awesome and they are a great team to work with."

–The Armstrong Family
Las Vegas Residents


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"Ken Sarna and The Millennium Consulting Group are a phenomenal team that have separated themselves from any other company or attorneys that I have previously worked with. Ken is courteous and displays patience when speaking with my clients and educating them in the short sale process. He answers all of their questions and concerns, which in turn makes my clients feel relieved and reassured. Their exceptional care and professionalism when dealing with my clients is unparalleled. The Millennium consulting Group has provided me with short sale approval letters in as little as 5 days!"

–Yoggie Kaplan, GRI
Coldwell Banker Premier Realty Agent


Outcome:

Successfully negotiated and closed numerous transactions for her sellers.

"To whom it may concern:
I wanted to relate my experience in working with the folks at Millennium Consulting Group. After 3 false starts, 18 months of misdirection and an ongoing malaise of "experts on short sales" , I stumbled onto Millennium. Alas, a group that under promised and over delivered. I obtained the short sale from the infamous nasty Bank of America on acceptable terms with "deficiency" waived!! Thank you MCG!!!"

–N Hannon
NV Resident


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"I want to thank Millennium Consulting Group for all your hard work and for getting us out of this property. I want everyone to know what a great company MCG is and that the staff over there is outstanding. I cannot say enough about how helpful they were keeping us updated and answering all of our questions. I could go on and on.... :) I will be recommending MCG to anyone I know that also needs help with a property. Ken and his staff did an awesome job.!!! "

–The Branum Family
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approval and full deficiency waiver for the homeowner

"My personal experiences in working with Millennium Consulting Group as a principal and as realtor representing others in short sale transactions has been nothing short of "exceptional". The expectations, the results, and the diligence exhibited by Millennium Consulting Group has consistently exceeded expectations. Millennium Consulting Group has successfully negotiated and closed my personal transactions. Additionally, I will not attempt a short sale without the professional process and assistance of Millennium Consulting Group. Reason being, in a transaction where I represented the Buyer, a ""pretend" short sale negotiating company received an approval with the Seller having to sign a $45,000 promissory note, $30,000 on the first mortgage, $15,000 on the second mortgage. The next correspondence in the transaction was a cancellation of escrow from the Seller. My clients wanted to purchase the home, so, getting permission from the listing agent, I spoke with the Sellers and asked why they were canceling escrow? Their response was because they didn't want to have, nor could they afford the financial responsibility of the future payments on the notes. I asked them if the promissory notes went away, would they continue the sale? Their response was, "yes". I then contacted Ken Sarna, explained the dilemma we were in and asked for some guidance. The Seller followed Ken's advice and successfully closed escrow on his home with no deficiency judgment and no promissory notes!! I have closed over twenty-five short sale transactions with Millennium in the past six months, and have another thirty transactions in escrow. I know, as a professional, who gives optimal service to his clients that the most important aspect for a successful result and subsequent closing, starts with Millennium Consulting being a part of the process. Succinctly, they are the integral component of the process, a "real" company that gets results. I would make myself available via telephone to speak with anyone with questions concerning the viability of doing business with Millennium Consulting Group."

–Ed Detwiler
Coldwell Banker Premier Realty


Outcome:

Successfully negotiated numerous short sale approvals for his sellers while securing the full real estate commissions for the agents involved.

"The Millennium Consulting Group are life savers. I did my research and checked with four law firms, short sale negotiators and when I got to Millennium and met with Ken I knew I was in the right place and in good hands. He was extremely knowledgeable and provided phenomenal insight. The initial fee was very nominal and wow did they deliver. Their team kept me in the loop throughout the process and the terms of the approval turned out quite favorable for me. My coworker said I was one of those lucky stories that you hear, my response was: I did my homework and put the job in the right hands. I would absolutely feel comfortable recommending Millennium Consulting group to anyone who is in a similar situation."

–Mr. Pakneshan
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner

"From the first time we contacted The Millennium Consulting Group, until the last day, everyone there was very helpful and knowledgeable. The Millennium Consulting Group took a very frustrating situation for my whole family and turned it around 180 degrees. We received full deficiency waivers for both of our loans; it was a huge weight lifted off of our shoulders. We can now move on with our lives. Thank you Millennium Consulting Group!"

–The Minarchan Family
Las Vegas, NV


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner

"I wanted to write you a note to thank you for your assistance in getting our house sold through short sale with our bank. I heard many horror stories from friends about short sales and not getting it done or approved by banks. You and Millennium Consulting group were amazing!! I am astonished at how fast you found a buyer and how quickly and efficiently Millennium worked with my bank to secure an approval. I am especially grateful for the fact that Millennium was able to get my bank to write off the difference, leaving me with no financial burden in the future. I have no problem referring anyone I come across to you and Millennium for your efficient services!

Thank you again!!!!"

–Ms. Anderson
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner

"My family and I are very happy with the short sale process we went through with every member ofthe Millennium Consulting Group. By the time we received an offer on our home and negotiations with the bank were completed, it took a total of 5 weeks compared to 5 or more months that we had heard horror stories about from other friends and family. They kept us informed on what was being said and accomplished through all processes with the bank. When the negotiation process was completed, they were able to have the debt we owed for the sale forgiven by the bank. The fees that the Millennium Consulting Group charges for their services are nothing compared to other firms that I have spoken to friends and family about. I have and will continue to refer anybody that is going through troubles with their home to the Millennium Consulting Group. Thank you once again!"

–The Wheeler Family
NV Residents


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner

"I want to thank MCG and congratulate your entire team for negotiating the short sale of my home. I was in a bad situation and unable to pay my mortgage, after my previous employer closed his office in Nevada. Millennium Consulting Groups team, counseled me correctly, explained the process and answered all my phone calls with great patience and professionalism. Most importantly they were able to successfully negotiate the short sale with my lender, even though many people told me it is a very tough bargain with my specific lender. My humble thanks to your team again and wish you all the best in future."

–Mr. Narayanan
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner

"Our thanks go out to The Millennium Consulting Group for getting our house successfully approved and sold through a short sale. Like many others we have been caught up in these extremely difficult economic times, and found ourselves upside down on our property. MCGs team could not have been more helpful with the direction, recommendations and communication throughout the process. It is reassuring that there are people who practice business, that is helpful to their clients, in times that it could be easy to take advantage of their situations. Please feel free to share our letter as a recommendation to others who need similar help.

Thanks for everything!"

– Mr. and Mrs. Bartels
Las Vegas Residents


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner"

"I had been delaying my short sale for many months because I was too afraid to get things started, and it seemed like an overwhelming task. I was facing tight timelines, but my realtor was confident that we could get it done in less than a year. He researched the homes in my area, determined a reasonable entry price, and considered my financial situation in making his recommendation. Despite his years of expertise in short sale negotiations, my agent recommended that I speak with Millennium Consulting Group. He explained that Millennium had been getting his deals done months faster than he could; he imagined that they have solid contacts in all the right areas that allow them to finish shorts sales as fast as possible.

I met with Millennium and was impressed with the advice I received, but I was still nervous because they are not attorneys, and they reminded me that I should not consider their advice to be legal counsel. So my wife and I researched attorneys in the Las Vegas area and met with one who specialized in bankruptcy and also ran his own short sale operation. The Attorney explained that he could offer no additional protection that Millennium could not already offer, and in fact, he was already familiar with Millennium Consulting Group. He encouraged me to go with them because he knew they did good work, operated legally and because Millennium would be able to get the job done at a much cheaper price than he could as an attorney.

This gave me confidence to move forward with Millennium without any reservations. Throughout the process, my agent and Millennium were responsive to my questions, gave me clear instructions, kept me up to date with progress, stayed on the buyer to make sure they didn't mess up the deal and helped me feel confident that it was going to get done. I was still distraught because of my three friends who tried to short sell their homes. One foreclosed, one didn't finish the short sale for 18 months, and the other still hadn't finished the deal 2 years later. I was terrified of foreclosing or being asked to pay thousands of dollars in the end to finish the deal.

To cut to the chase, I listed the property in January of 2011, accepted an offer by April of 2011, and completed the short sale with deficiency waivers on both loans by July of 2011. In the end, I paid $2,100 in total fees to Millennium, escrow, and the banks to finish the deal. This was a small price to pay to sell a home I bought for $259,125 at a price of $80,500 and to take away the $1,750 monthly mortgage burden off my shoulders. I couldn't be happier, and I couldn't offer a stronger recommendation for Millennium Consulting Group. If you can't get a deal done with them, either you didn't follow their instructions in a timely manner or the deal couldn't be done in the first place. Period."

– Mr. McKay
Las Vegas Resident


Outcome:

Successfully negotiated the short sale approvals and full deficiency waiver for the homeowner

"I just wanted to take a moment to thank MCG for assisting me through the short sale process. As I am sure you are aware, this was an incredibly tough decision to make and process to go through. With the assistance of MCG this process was worked through very seamlessly. " "From start to finish the process only took 90 days, and from the horror stories of some of my friends, this was a very short time frame. I know that every situation is different, but from my perspective they worked miracles for my family and I." "We had spoken with a couple of attorneys prior (which cost $200 for a consultation fee) and both of them required $3000 up front prior to doing anything. The attorney would only allow three potential buyers and could not even render a guess as to their success rate in closing transactions or obtaining a deficiency waiver. So needless to say, it was very impressive to me that Ken provided an immediate disclosure of his firms success rate at over 80%, and that I would need to pay $1500.00 only after MCG has secured a deficiency waiver." "I am truly relieved that there are still companies out there that are as outstanding as MCG in helping people get through this terrible process as painless as possible."

– The Whealan Family
Las Vegas Residents


Outcome:

Successfully negotiated the short sale and full deficiency waiver for the homeowner

"MCG services were a miracle for our family! There are many companies that offer similar services as MCG but do not fulfill their obligations to their customers. After having our house listed for almost two years, our realtor referred us to MCG, and within just a few months, we finally received an answer to our prayers.......a short sale approval letter from the bank! MCGs staff was very professional and responsive to our every need. They are very knowledgeable about the short sale process and all the games that banks play to prevent a short sale from being approved; thus this explains how within just a short while of having our account assigned with MCG they were able to have a short sale approval letter. We highly recommend the services of MCG and are forever in debt for the amazing job they did with our account. Thanks to MCG our family can finally move forward towards recovery!!!"

– The Dixon Family


Outcome:

Successfully negotiated the short sale and full deficiency waiver for the homeowner

"I set up a consultation with Ken at Millennium Consulting Group in early September to discuss options with an existing home loan. At the time I was current on my payments and my primary objective was to merely discuss options I had considering the substantial negative equity situation I was in. Within 30 minutes he had outlined a game plan to help me short sale the property and minimize the long term exposure to repercussions from the bank. Amazingly, by mid-December I had closed on the sale with a full release from my bank regarding any deficiency! Millennium is truly a first class company."

– The Young Family


Outcome:

Successfully negotiated the short sale and full deficiency waiver for the homeowner

"There is nothing worse than poor communication with your negotiators when it comes to dealing with Real Estate issues. With Ken Sarna and the Millennium Consulting Group, I have had nothing short of a remarkable experience. I had two properties with a very unique disposition and circumstances that had to be dealt with in order for any positive results. Throughout the entire process, whether I called or emailed for a status update Ken was readily available, and quickly updated the progress. In addition, Ken took the time to schedule a conference call with my accountant. He completely understands the negotiating process to the absolute degree that is necessary to navigate through each buyer or banker issue that might have otherwise derailed the short sale process. If you are seeking help from a group that can save you in your situation, stop your search right now. No doubt, with Ken and the Millennium Consulting Group, your situation will be solved. At the end of the day, I could not be more satisfied!"

– MGM Condo Owner


Outcome:

Successfully negotiated the short sale and full deficiency waiver for the homeowner

"Ken Sarna and The Millennium Consulting Group are so knowledgeable and professional, I cannot say enough good things about them. When I realized I had to short sell my home I contacted an attorney to handle the process. Unfortunately, after several months time, very little had been done to come to a resolution that both the bank and I could live with. They wanted a total of $30,000 combined with cash and a promissory note from me. My realtor and I decided to seek another avenue for my short sale transaction. This was the best decision I ever made. Ken Sarna and his team were able to reduce my costs to close significantly to a $2,500 cash contribution. The original attorneys handling my file were not able or willing to negotiate acceptable terms. I have referred several clients to Millennium consulting group because I want my friends to have the same outstanding results I had."

– Mr. and Mrs. Kim (NV)


Outcome:

Successfully negotiated the short sale of this property with minimal cash contribution from the seller

"Four months ago, we owed a total of $554,000 on a home worth barely $300,000 and our 5 - year ARM was coming due. The outlook was not good as we were facing a major payment increase and we were preparing for the worst. We visited local attorney offices to discuss our options such as short sale, loan modification and even bankruptcy. We did not feel anyone was showing a true personal interest in our situation. Luckily, we received a timely recommendation to call Ken Sarna and his team at Millennium Consulting Group. I met with Ken and came away feeling positive that Ken had a great understanding of the mortgage industry and he would fight for us. We were thrilled when after two weeks we settled our 2nd Mortgage of $89,000 for $17,700 without us having to go past due. Although we were excited to be rid of the 2nd, we felt success with our 1st mortgage was less likely. You can imagine our excitement when Ken called to tell us our 1st mortgage holder agreed to accept a payoff of $287,000 from a balance of $465,000. The bottom line is we went from owing $554,000 on our home to a total settlement of $305,000 and we never had to go past due. We can't thank Ken and his team enough as they have truly changed our lives."

– Ken and Tammi (Nevada)


Outcome:

Negotiated a settlement on a current 2nd Mortgage and then also a short refinance on the first mortgage that was also current on payments. Combined between the two we received a total of ~$245,000 principal reduction.

""The Millennium Consulting Group has far surpassed our expectations. In these tough times, my wife and I were extremely skeptical and somewhat pessimistic about our current mortgage situation. We had a $367,000 mortgage and our current house value was around $200,000. We owed $71,000 on our second mortgage and the Millennium Group was able to wipe the slate clean with a settlement of $2,800 with the lender. Wow! It added up to approximately a $550/month in savings! They are currently working on negotiating our first from an interest only loan to a principal and interest type loan while keeping our monthly payments the same. These fellas know there stuff and have been especially professional and cordial. I tell everyone I meet about this group! Thanks Millennium Group" "

– Joel and Karmin (Nevada)


Outcome:

Negotiated the settlement of a $71,000 2nd mortgage for a flat $2500. Reduced their expenses by over $500 a month.

" I would like to send a huge thank you to Ken Sarna and his team. Their services allowed me to keep my home and I cannot thank them enough. The price of my house has dropped significantly and the second mortgage alone was $75,000. Ken was very helpful with preparing the loan settlement papers on the 2nd mortgage and the loan modification papers on the 1st and submitting everything to the banks. He quickly negotiated a terrific deal for me. The second mortgage was settled for a flat $5000, while he also modified the payment of the first mortgage reducing the payment by 50%. This allowed me to keep my house and start the process of rebuilding my credit. "

– Borianna (Nevada)


Outcome:

Negotiated a settlement on a current 2nd Mortgage and then also modified the first mortgage. The principal balance owed on the property was reduced by $70,000 and the monthly payments were reduced by $1500 a month. On top of this we also got the homeowner out of an interest only loan and into a principal and interest loan moving forward.

"Ken helped me get out of my property that was upside down over $200,000 and facilitated the short sale of the property on my behalf. Now I can start to rebuild my credit and move forward without the huge payments I was throwing away towards a home that was currently worth half of what I owed"

– Bobby (Nevada)


Outcome:

Negotiated and finalized a short sale to get the homeowner out from under this huge financial liability.

"We met with Ken in May and we were still current on our payments. He advised us what to do and told us to be patient as sometimes it does take some time to get finalized. After going delinquent and waiting 5 months, we were absolutely ecstatic with the outcome. We had a first mortgage for $388,000.00 and a second mortgage for $45,000. Ken was able to negotiate the first down to $260,000 and we paid $6,000 to settle the second completely. Our payment went from $2,900 to $1,300 a month on a home we didn't want to lose. I could have not asked for a better outcome"

– Cristina and Ricky (Nevada)


Outcome:

Negotiated principal reduction on the 1st mortgage in the amount of $129,000 dropping her monthly payment over $1000 a month. Negotiated and settled out a $45,000 2nd Mortgage for $6,000

" Ken Sarna and his team at The Millennium Consulting Group did a great job negotiating with my mortgage company. They negotiated a settlement on my home-equity line of credit dramatically reducing what I owed on the property. His professionalism, expediency and remarkable knowledge exceeded my expectations. I had a home-equity loan of $162,000 and based on the current value the bank would have gotten ~$50,000 in a short sale. Ken was extremely professional and expedient in dealing with the bank. Very quickly he was able to get the bank to agree to settle the loan for a flat $42,000. This has saved me a total of $120,000 and also allowed me to keep my house. "

– B. V. (Nevada)


Outcome:

Negotiated a settlement on a (HELOC) 2nd Mortgage for a flat $42,000 when the bank was owed over $162,000. With the equity position the bank would have expected to NET ~$50,000 in a short sale.

"I wanted to take a moment to personally recommend Kenneth Sarna and the staff at the Millennium Consulting Group. Like many others in Arizona, my wife and I were upside down on our condo and facing the prospects of foreclosure. In the hopes of protecting our credit and our investment we contacted Ken and he explained that he has had success working with Lenders negotiating mortgages. This was an excellent solution for us; we have extremely busy schedules and really did not have time to try to negotiate with banks on our own. We decided to put it in the hands of a professional who handles negotiations day in and day out and I have so say that we were more than impressed. Millennium saved us 37k on our second mortgage and they are in the process of working on our 1st. We owe Ken and Millennium a huge debt of gratitude and couldn’t be happier with the outcome and the staff at Millennium"

– Brian & Tanya (Arizona)


Outcome:

Negotiated the settlement of a 2nd mortgage that was owed $39,200 for a flat $2,000

"Millennium Consulting made a significant difference in my life by working tirelessly with my lender to lower my payment by over 25% per month! Without the proprietary information that they presented to my lender, and the communication and payment strategy that they presented to me, this never would have gotten done. This difference not only helped keep me in my home, but also gave me and my wife a brighter financial future. Thanks Millennium Consulting, I could not have done it without you!"

– Eric and Andrea (Arizona)


Outcome:

Negotiated a payment reduction from $2890 on the 1st mortgage and $$420 on the 2nd mortgage down to 2% interest with a new payment of $2012 on the 1st mortgage and $211 on the 2nd Mortgage. (Monthly savings of $1087)

"Ken Sarna was a tremendous help to my fiancé and I during a very difficult time. Our house had lost over 100K in value and our payments were due to raise soon. Ken was able to get us a new loan to cover a reduced payoff. The outcome was amazing… our mortgage was lowered over 100K and our monthly payments were reduced by $600! We can't thank him enough!! With a wedding fast approaching, the extra money and lowered stress is quite nice!"

– Tara and Derek (Nevada)


Outcome:

Negotiated a reduced payoff for 1st mortgage reducing principal $51,034
Negotiated and settled out a $75,547.00 2nd mortgage for $1,000.00
Got them out of an interest only loan and into a 30 year fixed principal and interest

"Ken was able to help me out in a time of financial stress. I was having a hard time paying my bills especially a high interest rate 2nd mortgage. He was not only able to reduce my payment but actually settled out the lien for a very small amount. With this agreed settlement the second lien was removed from title and I no longer have to deal with the payment."

"Once the settlement was done on the 2nd mortgage Ken didn't stop there and negotiated with the the 1st mortgage to modify my current $1666 interest only payment to a new payment of $864 a month principal and interest. Obviously the financial benefit here long term got me in a position where I will never have an issue making payments in the future and I can not thank him and his team enough."

– Keith (Nevada)


Outcome:

Negotiated and settled out a $32,750 2nd mortgage for a flat $1,000.00 with no negative impact to his credit.

Negotiated a reduction to his 1st mortgage monthly payment by $702 and of the new payment ~$500 a month will go towards principal reduction as opposed to the old payment being credited towards interest only. (Monthly benefit of $1202)

"I cannot say enough good things about Mr. Sarna and the work he did for me. I was a little skeptical that he would be able to reach a settlement with the owner of my 2nd mortgage, but after only 2 weeks, he had presented me with a written offer that not only erased my skepticism, but also exceeded my expectations. While I was ready to accept the first offer extended to me by the mortgage company, Mr. Sarna insisted he could get me an even better settlement if I gave him a few more days. With nothing to lose, I agreed, and in a week's time, I had a new offer that was half of the original. Best of all, Mr. Sarna had negotiated with the lender to report my account as paid in full, so my credit would not be affected. The entire process of working with Mr. Sarna was shockingly fast and easy, with better results than I could have imagined. His customer service was also impeccable. I have, and will continue, to recommend his services to all my friends and family."

– Stefanie (Nevada)


Outcome:

Negotiated and settled out a $49,514 2nd mortgage for $2,500. We also confirmed this would not negatively affect her credit and her credit report would show as "Paid as Agreed".

"Thank you for the assistance with my second loan. As you know, with the down economy, my two mortgage payments were not sustainable. While I was making it through the short term, I would have surely faced a short sale, or possibly a foreclosure in the near future. With your guidance, and ability to work with my lenders (who previously ignored me), I was able to settle my second mortgage. The process reduced my debt by over $175k, allowed me to stay in my home, and had a profound impact on my family. Thank you!!!!!"

– Jake (NEVADA)


Outcome:

Settled out his 2nd mortgage for $175,000 less than what was currently owed.

Waiting on Client Comment

– Richard (Arizona)


Outcome:

Negotiated and settled out a $165,500 2nd mortgage for a flat $4,000.00

"Ken was able to negotiate a reduced payoff on my luxury condo in Las Vegas. I was in position to continue making payments but with the value plummeting to about 1/3 of what I owed it didn't make sense to chase bad money with additional good money. I was fully ready to walk from the property if he was unable to negotiate an outcome that made financial sense. In the end he was able to successfully negotiate a shortened payoff reducing what I owed by over $208,000 combined between my first and second mortgages."

– Robert (Nevada)


Outcome:

Negotiated a reduced payoff for 1st mortgage reducing principal $137,241
Negotiated the settlement of a $70,266 2nd mortgage for $1,000.00