Washington State Department of Financial Institutions

Consumer Alert:
United States National Mortgage Relief Center

Unlicensed Loan Modifications

Posted: July 12, 2013

United States National Mortgage Relief Center was reported to be offering to provide loan modification services to a Washington State consumer. This company is not licensed by the Washington State Department of Financial Institutions (DFI), or registered to do business in Washington by either the Department of Revenue or the Washington Secretary of State.

United States National Mortgage Relief Center has been associated with the following address: 23785 El Toro Road, Suite #224, Lake Forest, CA 92630. This company has also been associated with the following website and telephone number: www.usnmrc.com; 877-471-1911. Casey Strafaci has been identified as the company’s CEO, and Joe Miranda has been identified as the company’s CFO. It appears that this company is no longer conducting business.

Loan Modification Services - Upfront Fees

Washington State law requires all individuals and companies providing third-party loan modification services to Washington residents be licensed by DFI. Additionally, the Federal Trade Commission’s Mortgage Assistance Relief Services (MARS) Rule prohibits entities from requiring upfront fees prior to performing loan modification services.

Verify Licenses

DFI strongly recommends that residents verify the license of any lender with which they consider doing business with. Consumers are urged to verify licensing status prior to giving the lender nonpublic personal information, such as social security number and checking account access. You can verify a license with DFI at www.dfi.wa.gov or by calling 1-877-RING-DFI (746-4334).

Report Violators

If you feel you are in immediate danger contact local law enforcement.

If you are suspicious of unlicensed activity by a mortgage broker or loan originator please contact DFI at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

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