Our horrific attempt at buying a ho

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I have kept this email from Willgart for 3 months. But now I feel the need to kick a dead horse. COMPLETELY unedited!!!!! I was gonna add a few words of my own up here....but, he says it all himself.

Loan Queen,

I almost posted this on the forum but then found your email addy. You really don't want to mess with me. I have seen several of you inexperienced loan officers bringing nothing to the table on these forums and looking for business, and when you give shoddy advice I will come down on you hard. You may be receiving some leads through the forums right now and are pretty excited, maybe thinking that I am pissing on your turf.

Take a good look on the net and find out who I am before you start anything with me online. I have dealt with 10 of you types this year and 5 of them have been reported to their states finance authority and written up on charges because you guys run your mouths, slip up on a deal, and then I get pissed and lay the hammer down.

This mortgage job, it is serious business and you better know your crap before you get into the business. Predatory lending not only involves deceitful loan officers but loan officers that are lacking the knowledge needed and ruining lives. You want to call me out on the board, here or anywhere, go for it. I bring something to the table on every forum and I can afford not to get a single lead from any forum ....How's your pipeline looking these days?

When I go to credit net and post it is because SOMEONE ON THE FORUM read something you wrote and they asked me to come and clarify...have you noticed that I don't go there often? Be a little more professional and learn your trade so you can empower these people to a better life, not just throw crap up there hoping people will call you.

I post on forums because it is my passion, not part of my business plan. If you were to ever straighten up your act and quit being so defensive, I would be more then willing to consult you on the phone and show you some things that will help both you and your borrowers.

Go to www.artofcredit.com and look at the mortgage forum there....you might learn some things in just that forum that will help. Stop the BS and pick a different target, the forum is a forum and NOT a lead generator.

OH, and don't post this email on the forum, edit it, switch it around, or anything like that...it will just make you look like an idiot and turn people off of the forum. Have a great weekend.

 

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With all of those spelling errors how can I NOT admit that I wrote that!

 

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Context, everything in context, loan queen dig up the old post that sparked that email ......ok ok ok here is how you deal with WillTygart........take the advise he gives and then use a DIFFERENT lender to do your loan...........make sense?

 

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So Will, just out of curiosity, what is your excuse for the near-miss in getting a loan funded for a member who had a median 700+ FICO?

Why did you come this close to allowing him to lose his house? Why did you have such difficulty in finding him a loan? I would think that brokers would be jumping all over themselves to loan him money.

What made you finally find him a deal, was it the threat of a lawsuit? The knowledge that he did have the gumption to go through with that as well as whatever it would take to make you lose your license?

What excuses do you use when you can't use the person's credit as one?

Why do you work so hard to solicit the business, and then work so hard to lose the customer?

Just curiosity, really.

 

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have no clue what you are talking about

 

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AND - Here's my story -

I frequented this board. Actually, I was addicted to it for some time. When it was down, the withdrawls were terrible. I lurked online for "a fix" and found Art of Credit. Although it didn't give me anywhere near the same type of "high", I became addicted to it's mortgage forum. I read wonderful things about Will. (I used his name! UT OH!!). Although we were no where near the end of our credit repair, the goal from the start was to purchase a home. It boiled down to the desire to purchase and the wonderful things I was reading from and about Will.
I submitted the simple online request. He called. I followed his directions and submitted the online application. I DID list my credit problems. A week later I called him and was told that we should go looking at houses. I was given a price range, told what the interest rate was and about what the payments would be. I was also advised to not sign with anyone. His advice on home shopping was something to the effect, "Look at houses selling for $350,000 - (although way out of our price range) - you might see some cabinets you like"
Elated over the prospect of owning our own home, we began to look, and look, and look. No more addiction to the credit boards, we were now addicted to house looking! Heck, one Sunday, we filled the car up when we left and came home later that evening on empty! We finally found the house. I called, and called and called Mr. Will. When I finally got ahold of him and told him we found the house, what it was like and the price, he advised me to ask the realtor about giving up some of his percentage to help with the closing. I was also told that they do that all the time, and to call him back and tell him what the realtor said. I called back and left a message for Mr. Will telling him the realtors reply. I continued calling Mr. Will daily, sometimes several times, and spoke to his answering machine.
We put a bid in on the place we believed we would be calling home. While waiting for the home owners counter offer, I read somewhere that you can not be approved for a mortgage if you have any judgements on your credit report. Frantic, as I did have, I again called Mr. Will and again left a message.
This went on for 3 days. Now this entire time, I am having anxiety attacks - we put a bid in because we were told we were "good to go", yet I have read otherwise. Three days later, I get a message on my answering machine from Mr. Wills office requesting that I sign and send back the documents that were sent to me FedEx.
What documents. I have never recieved anything.
Again, I call Mr. Will. Again, I speak to his answering machine.
The next day, I don't get a return call, but a email from him apologizing. A email apology for the "mix up". Not only did he OVERLOOK the judments on my application (I had listed them), but he also did not see them the total of NINE time my credit report was pulled.
The end result, no house, NINE inquiries and a email apology.

Who do I blame. In part, myself for not knowing the entire process before thinking our dream was finally going to be a reality. Mostly, I do blame him, yes Mr. Will, YOU! You are the mortgage person. You should have seen the problems. That's part of your job.
I've read your reply on AOC for this same post and it makes me sick. You talked about how you were being blamed because people screwed up their own credit. It must be nice to live in your world where nothing overwhelming ever happens to you or your family so you can ALWAYS AND HAVE ALWAYS been able to make your payments.
The first conversation we had on the phone, you said people came to you because you didn't judge them for things that had happened. That's a crock.
I kept my mouth shut - until now.

I did not leave out any side of my story. My credit was not good. I had judgements. I listed them. You still said WE WERE APPROVED - and in the end, you didn't have the guts to even call me on the phone and tell me you screwed up!

 

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Heartbreaking ((((((((gmaof1)))))))) You've my deepest and most sincere admiration and respect for sharing your story.

I am so sorry for what you went through but hopeful that your story may stop similar nightmares from occurring -- what a great service to others!

Sassy

 

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Funny, I can name two people off of the top of my head who have related that same experience with you.

 

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I am glad to see all this come to light, I am even happier that I sent him an email in the past and he half blew me off. Sorry to all the guys and gals that fell prey to deceptive practices.

One unhappy cutomer is one thing but several unhappy customers tell a whole different story. Loan Queen thanks for sharing that email, I cannot imagine why would bill think that it would make you look foolish if you posted. The email does only one thing, makes him look like and a$$hole... Pardon my french...

 

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Well unlike many on forums I have always been pretty upfront on who I am.. willtygart equals Will Tygart which is William Tygart.

My information is as follows

William Tygart
PO Box 1121
Allyn, WA 98524

I can go into a huge post, defend myself, but if I was as great of a speaker as there ever was there is no way to put a possitive spin on any of this.

My failure was a product of my desire for success. Part of my dreams for success was to turn the many people that I helped last year for free (I could only do so many states) into clients that I could do the loan FOR.

I went to a company that promised me support for my clients. (National City Mortgage). Long story short I took on too many clients at once (about 7 million dollars worth in 45 days) and could not handle the workload. I tried to hire help but they didn't understand the system and how credit works.

I spent time training people and in the mean time I fell behind. Falling behind didn't just lead to missed phone calls, it lead to missed DETAILS....something that will KILL anything in life as we all know. Sometimes I would be talking to borrower "A" and thing it was borrower "B", that's how crazy it was. My fault was not saying NO.......I hate to do that, but when you say NO you often times help a person out more then if you would have said YES.

I receive over 350 emails a day. Of those there are 25-40 new people, people that just have questions or situations that I try to help. I have unfortunatley become TOO succesful to the point that I may very well be doing a dis service by trying to help.

I sincerely hope that people look at these situations and complaints and remember them when dealing with a broker. Even a guy with the best of intentions and knowledge of the industry can fall off track and go tumbling down the hill. Give some weight to the power of your local bank. Give credit to that local loan officer that knows nothing of the internet but eats at the same place as you. Go into that empty office and work with the guy that doesn;t have a lot of clients. Learn as much as you can by the people that post online but don;t think that because they can write it and talk about it that they can always deliver.

I have spoken to some of the people on here about their loans on the phone and apologized for the way that they ended up. I am truly a good hearted person that HAS made mistakes and errors in judgement, and for this I sincerely apologize.

I have plans on changing the way that i do business that includes steering away from internet business and trimming down the client base that I have. I originally came to all of you on various forums as a past time, a way to get away from the real world, and I enjoyed talking, learning, and helping.

I have been the Moderator over at the Mortgage Forum on the Art Of Credit since inception and it has been a lot of work and at the same time a true joy. There is concern that the forum is more of a commercial funnel for my business and this is untrue. I think it in the best interest of everyone that I step down as moderator on the forum for the time being. This decision is more than welcomed by the folks that help run Art Of Credit and is effective immediatley.

I want to thank all of the people that have emailed me support in the last day, month, and year.........and let you all know that even if I had 1 million happy people it is the one unhappy person that affects me. I won't return to this thread or defend anything anymore after this post as the stuff I would be defending is indefensable.

 

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I think that was a great post, Will. My level of respect for you has certainly increased greatly. So many people are unable to admit when they have made a mistake.

I'm also guilty of taking on too much, so I understand that part entirely.

I hope you keep posting in matters of general advice as you have time. You can be a valuable resource.

 

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will,

i feel your pain! it is not easy being swamped and mistakes happen. the unfortunate part is perception is reality for people. there is a big difference between what customers perceive to have happened and the reality.

don't let a few bad experiences sway the good advice you have brought to the boards - i would just definitely not have them as customers.

i used to have my email available and i could certainly post the emails i was getting but that would be in poor taste and show some major unprofessionalism.

best of luck to you,
jenz

 

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Very revealing, jenz!

I hope your acknowledgment will provide some comfort for your victims, Will, and wish you luck in changing your business practices, as stated.

Sassy

 

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.

Hey Gang;


Well, I've been through ALL of it, every single word, from the most reasonable, mild mannered complaint to the most vitriolic drama queens.

I have a general/initial impression. I don't see anything, anywhere which would lead me to believe that Will set out to purposely cheat someone.

I see nothing which would be inconsistent with Will's explanation as to what happened to him. A couple of you guy's even nailed it beautifully.

• In short: Will picked up a new company to try and handle all the work. Just another company that made wonderful promises of help, support, and smoothness of operation.
  
  Will tried to take on way too much, which began to affect his health and he couldn't keep up with the load. At precisely the wrong moment this wonderful company dropped the ball.

In Credit repair vernacular you'all call this "an emergency which made it impossible to meet your obligations."

How many of YOU people are here because YOU tried to take on way too much, which began to affect YOUR health and YOU couldn't keep up with the load, and thus ruined YOUR own credit.

Every single person on all these boards should be able to relate.


I don't know what, if anything, Will can do now to make it right, but I can tell you one thing. The Mods at AOC have had a brutally honest and frank discussion with Will, complete with as much detail as he could disclose without violating his confidentiality responsibilities.

Will has been a perfect gentleman. He has been available for questions, and has been utterly willing to "do what is best for all concerned, and step out of the Mod position" on AOC.

Personally when I get ready to refi, I'm gonna have Will handle it for me.



.

 

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Despite his melodramatic tirade------- Im still telling you that his motives were fuled by greed, and that its nothing more than a thinly veiled attempt to make more people feel at ease. I guess when you have seen as many confidence artists as i have working only 13 months in law enforcement, you get quite skeptical. Good luck to anyone who goes with him.

 

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Unfortunately, that skepticism then turns to stereotyping and distrust. Not everyone is out to "con" people. Not everyone operates from greed. I know that I, and many of my friends, do things for people because we want to help. That's how I was raised. We were poor, but we learned to help each other out. If we had extra food, because we had a garden, we shared it. If the neighbors had money, and cars, they'd offer rides. That's the way things should work.

If Will was operating from greed and trying to rip people off, I don't think he would have done something like post his name and address.

While caution is healthy, stereotyping and accusing everyone of being on the wrong side of the law without any proof is unhealthy for you and everyone on this board.

 

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Ummmm, knowingly soliciting clients that you can't service (not enough staff), making promises that can't be kept (one day after BK and at specific rates and scores), and refusing to take responsibility for one's actions (save the last post acknowledging the same by Will) is what?

That is why there are laws that govern mortgage brokers, lenders, and servicing companies.

One thing Will isn't is stupid. We should all be wise enough to learn from our mistakes, yes?

Don't diminish his actions by trying to make him not responsible for them -- he already said he was, and THAT is huge for those that were screwed and feeling screwed before he was willing to do so.

Let the man do the right thing, as he's tried to do, acknowledgment and recognition resulting in changed actions and business practices, is not only a good thing to do, it's a big and smart thing to do.

Sometimes an apology isn't enough and it won't undo what happened but it is a good beginning.

Sassy

 

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I agree, Sassy, the Will did a lot of things wrong. I'm just trying to point out to sahlegian that his motive wasn't necessarily greed, and it doesn't make him a con artist. I didn't mean that he shouldn't apologize or try to make things right, I was just pointing out that everyone isn't out to rip everyone off intentionally. Even when that ends up happening.

 

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Butch, Hedwig, JenZ and everyone else here who continue to give Will the benefit of the doubt, I admire your optimism in light of everything that has come to light. A few nights ago, Will contacted me because he was angry that I bumped up this thread. I have not shared my story on the board, but to quote Will word for word:

"Willtygart: of course you will post something that docent show the whole thing..and then liek the rest they will not know the truth."

I really wanted to take the high road here and to be honest, my biggest priority is looking for temporary housing for my family. BUT-I would like to say that I am yet another one of the people who thought the world of Will. I posted on Art of Credit "Will's da man thread" under the name Maggieq two months ago. At that time I believed what he told me.

I would like to add that the Will's Branch Manager at National City Mortgage came through for me within hours of learning what I was up against. He proved to be a true profesional in that HE actually cared that MY CHILDREN would have no place to live because our apartment has been rented, go figure. And I still plan on working with NCM, its just a matter of finding another house.

At this time, I don't plan on posting the story on the boards but I am reserving the right to change my mind at a later date.