YMA Financial The Pyramid Group is all for helping in any the team can. I had a $88,000.00 lien on…read morea house. I talked to The Pyramid Group about the lien. The team was very concerned & sympathetic about the issue. The best advice was given. Build up your credit. Use your credit buy the property at low market value as is. Allow the Leon to be your mortgage & you lift the lien allowing me to keep my property. When you work on your credit you work on the opportunity for funding.

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Hello everyone this is an updated review my mortage was sold to this company in November of 2024 I…read moream happy to tell you by BOA selling my mortgage to this company was a BLESSING for me at first no lie I was skeptical since I had never heard of them before went on the computer did research and I wasn't liking what I was reading. So I said to my self okay well I will have to give them the benefit of doubt so glad I did at first I had a difficult time getting someone on the phone so I tried the chat and was connected to a person right away and so glad I did that way I was able to keep the chat for my records. Through the the email but the GOOD NEWS is I had them for eight months I didn't have any issues at ALL I came up with a plan to pay the mortage off faster by adding more to the principle every month because I calculated the interest rate and I was paying more in interest than what was going on my mortgage. I understand that they have to make a profit but seriously they were hardly putting anything on the principle if I had kept doing it the way they had it I would of DOUBLE what I bought the house for I said to myself OH no instead of paying them all of that interest I can pay myself that. So I paid the mortage off SEVENTEEN YEAR'S and FOUR MONTH'S early so now that$150.000.00 that they would of collected from me stays in my pocket. I paid it off on the 17th of July I received my DEED on the 8th of August thats less than a month HALLELUJAH!! I received my escrow check on the 10th of August so now it's a done deal . But I made sure I kept a print out of all transactions for my own personal records. So thank you Shellpoint for an easy and GRATEFUL transition.

My mother's mortgage was originally with Wells Fargo. She refinanced approximately 10 years ago…read more During COVID, she entered into a Wells Fargo forbearance because her side income dropped significantly. That forbearance ended in a formal Wells Fargo loan modification, and she stayed current under that modified loan. In 2024, she entered into another Wells Fargo forbearance so she could manage cash flow while taking care of timely and necessary home maintenance. That forbearance began July 1, 2024 and was scheduled to end December 31, 2024, with the expectation that payments would resume in January 2025 or that another modification would be completed. In September 2024, Wells Fargo transferred the loan to Shellpoint. Shellpoint said it received the transfer paperwork, but claimed it did not receive the Wells Fargo forbearance documentation. Because of that, Shellpoint demanded full payment of the amount it believed was past due. We explained that the loan had been in an approved Wells Fargo forbearance and that payments were expected to resume in January 2025. Shellpoint then said it would work on a loan modification. My mother resumed making her regular mortgage payments in January 2025 while Shellpoint processed the modification. In spring 2025, Shellpoint offered a modification that appeared acceptable and we were ready to proceed. Shellpoint then canceled it because the property was held in a trust, which they had not properly addressed. They had not asked us to clarify the trust issue before preparing that modification. After more calls, Shellpoint restarted the modification process to correct the trust/title issue. During the second modification process, Shellpoint converted the loan into an escrowed loan. We agreed to that. In October 2025, Shellpoint placed the loan into the escrow structure and my mother began paying the increased mortgage payment. The modification agreement states that Shellpoint is responsible for paying both homeowners insurance and property taxes through escrow. Since then, Shellpoint has repeatedly mishandled the escrow account. Homeowners insurance was due in December 2025. In February 2026, we received notice that Shellpoint had not paid it. When we contacted Shellpoint, one department said the loan was not escrowed. Another department said it was escrowed, but only for property taxes. We explained that the modification agreement required Shellpoint to pay both insurance and taxes. About a week later, Shellpoint corrected the issue and paid the insurance. At the end of April 2026, we received another notice stating that the property taxes had not been paid. We contacted Shellpoint again. The escrow department said the loan was not an escrow account. Customer service also initially said it was not an escrow account. We then had to request an investigation and ask Shellpoint to review the actual modification agreement. Shellpoint eventually confirmed that the agreement does require escrow handling, but they have not yet explained why the escrow department does not recognize the loan as escrowed or why Shellpoint stopped collecting the property-tax portion in December 2025 after performing an escrow analysis and lowering the payment. Shellpoint is currently investigating the escrow setup so this can be corrected going forward. Separately, Shellpoint's credit reporting appears inaccurate. Although my mother resumed payments in January 2025, Shellpoint did not report those payment months. August 2025 was the first month in 2025 that Shellpoint reported to the credit bureaus, and they reported the loan as more than 150 days late with a past-due amount. We dispute that reporting because the loan had been in an approved Wells Fargo forbearance through December 2024, and my mother had been making payments since January 2025 while Shellpoint processed the modification.