Can you make money as a mortgage refund processor? Maybe. It’s legal, but don’t buy the “software” from Eaglesoftwareservices, and there are big hurdles you should know about.
[Note from Joe 7/17/08: If you read the discussion in the comments section below, you'll see that Darlene was at one time offering her book for free. She is no longer doing so. Visit her at http://www.scmiprefunds.com/shop/ to purchase it.]
How I Learned about Mortgage Refund Processing
I first heard about mortgage refund processing by reading a job ad on Craigslist. Can you really make money as a refund tracer? By getting refunds for people who paid too much for their mortgage insurance? Hey, I’m a helping kinda gal, and if I could make some money by helping, well that would be just as cool as helping people without getting paid. Maybe cooler!
I wrote to the email address listed and received a reply with more information. The reply said that I could become a third party tracer and would have to pay for software, lists, and a manual, and to visit eaglesoftwareservices.com to learn more. Uh-oh. Of course, that’s not a “job” at all because real jobs don’t charge you to work. I felt a little deceived, but was intrigued enough to click the link.
It led me to a presell page that told me a little bit more, but was really just trying to sell me the software, which costs $39.95. The web site left out some important details, though, that were in the email:
- It doesn’t say that I would need to buy lists of names and refunds for at least $20 per state.
- It doesn’t say that I would need to buy a manual of instructions to learn exactly how to get people their refunds and get paid.
How is Mortgage Refund Processing Supposed to Work?
I had no idea what mortgage refund processing was until starting on this path. So for those of you who are also wondering, here’s a quick introduction. If you take out a mortgage without a down payment, you are required to buy mortgage insurance so the lender still makes its money back in case of default. The insurance premiums are tacked on to your monthly mortgage payment. When the home is sold or refinanced, you may be eligible for a refund of some of your premiums if your loan was through HUD or FHA.
The problem is that people move and HUD/FHA loses track of them, so they don’t know they have a refund coming. That’s where tracers come in. Tracers (which is what I would be) find those people, let them know they have money coming, help them collect it, and keep part of the money as a fee.
My Experience
So I contacted the guys at I’ve Tried That and became a Secret Agent. They bought the software, I downloaded it, and am here to report the full results to you.
-
It’s not “software.” The product you get for $39.95 is actually something like an e-book designed to be user friendly, with buttons to click through. It’s like a help file. Here’s the definition of software: “The programs, programming languages, and data that direct the operations of a computer system.” Word processing programs and Internet browsers are examples of software. This e-book is not.
- buy hud lists (at a minimum of $20 per state)
- make contact with claimant (no instructions on how to do this, no letter samples)
- agree with claimant that you will be his or her tracer, sign contract (template of contract provided)
- process applications for contract (one template provided)
- get paid/collect your money (no instructions on how to do this)
- You will be competing with HUD-sponsored tracers who will do what you do for free.
- You will have to hide the source of the money from your potential client, or he’ll just go directly to HUD himself and get his money without you.
- Those owed refunds can do it without you—you’re not necessary.
- It only works if your client doesn’t know who owes him money.
- You will have to spend some money to get started. Maybe a lot of it.
What’s in it? The ebook is basically about 4-6 pages long repeating everything that is already stated on the website with a few more procedures, a contract template, and a HUD application template. That’s it!
Here’s what the “software” tells you to do:
The e-book does not mention how you can contact your client, but when you get to the end of the e-book, you get an offer to purchase the manual for only $24.99 in which all these instructions will be given to you. Hello! What was the $39.99 for? Junk. The manual is not even sold through eaglesoftwareservices. You must contact another company or send Eagle a money order so they can place the order for you. (Yeah, right. I’m all over that). The manual is available all over the ‘Net for free. If you want to see it, let me know in the comments and I’ll send you a link.
Not Just Eagle Software Services
Upon further research, I found that several other websites are offering the manual up front, such as americanrefundservices.com. They sell the manual for $49.95 and their “startup kit” for $16.95. Which I think is what eagle sold us—a start up kit. Other companies are selling the entire kit for $79.99.
In Search of a Cheaper Manual
On eBay I found two people selling manuals. For one, the bid starts at $2 and the other has a Buy-it-Now price of $14. Then I actually found the text of the manual online, but it is missing one valuable piece of information: how to get paid. I figured out that you have to somehow collect the money yourself, but I went to another website in which they talk about another method of getting paid by having the refund check sent directly to the tracer, but they are selling their info for $49.99. The manual is available for free at geocities.com/freeebooksus/hudbook.html. I downloaded the info and made it into a PDF file.
The Bottom Line
Can you make money as a mortgage refund processor? Maybe. It’s legal, but there are big hurdles you should know about:
As far as Eaglesoftwareservices goes, this is not a good buy, in my opinion. Everything in the e-book is already stated on their website, except that the sales page “forgets” to mention that you must buy the HUD lists and that you need a manual with the more detailed instructions. Plus, Eagle’s “software” is just another marketing strategy because when you get to end of the e-book they make you offers on other products you can purchase. Oh, and the e-book also comes with re-sell rights, which means that you can build your own website and resell this book yourself. I suspect that’s how Eagle came across it. They are just reselling the e-book because they don’t even have the manual themselves.
Eagle advertises “bonus material” that comes with your purchase. What a waste! It’s just another e-book showing you how to start your own mail order business. When you get to the end of this one, you get an offer to buy another e-book/software to teach you to make your very own software to sell ebooks. And you get more offers, more offers, more offers.
I believe there is money to be made here, but Eagle’s product is not worth buying. Money Wasted. Stay posted, though, because I am going to dig through the manual and try to make contact with clients and see what happens.
Signed,
Da Fanster
(this post will self-destruct in 15 seconds. No, really: it will!)
116 Responses
Good detective work! I love this blog. This is the real info that people need to be aware of.
The manual is available all over the ‘Net for free. If you want to see it, let me know in the comments and I’ll send you a link.
Please forward the link. I am really interested in this program only I am like you and have received and reviewed a lot of bogas information.
Thanks,
AJ
Actually, this Tracer business is very real. I’ve been doing it part-time for the past seven years and this May i’ll be doing it full-time. Check out my website, then email me and i’ll be happy to tell you how i set up getting paid, locating property owners, getting the names from the HUD database for free (it’s all public info), everything.
I work with property owners nationwide but because the HUD database is updated monthly, there’s more than enough to go around for everyone.
Take care,
Darlene Martin
http://www.scmiprefunds.com
888-843-6484
How do you collect your fee, Darlene? Can you please give us some insight as to how you do that?
Thanks,
Fanster
Darlene,
I was very glad I found out about eaglesoftwareservices.com ahead of time. One of the things that clicked with me right off was there wasn’t a real person I could talk to nor an actual detail of how the whole thing works. I checked out your site and it was very upfront. A nice read.
Fanster, i charge 20%. When they call me, i mention to them my fee and how i collect which is 10% BEFORE i mail the TFC out to HUD and 10% BEFORE i mail the application out to HUD.
My advice to everyone is to start locally in your own hometown where you can actually meet the clients and build trust. I meet with all my local clients either in their home or at my home office, (after my 9 – 5 and on weekends), meaning i don’t mail the TFC to anyone. You have to build relationships for this business to work. And they already know that when they sign that TFC and before i mail it in, they have to pay me 10%. Of course that’s at your discretion, like, with elderly people i won’t have them pay me right away and/or with low amounts i will assist them for absolutely no fee at all. I DO chase everyone regardless if the amount is .01 or 1000. The key words here are R&R: relationships and referrals which leads to what? All together now… rest & relaxation and after you build up, RETIREMENT.
The beauty of this business is, you run it as you see fit. YOU tell the clients how you will do business with them. For example, i set up am 888 number. All calls get forwarded to me BUT, because i am currently working a 9 – 5 and doing this part time, i don’t answer the phone. I have all the calls go into my voice mail which gives me time to research the info then get back to them. Anyone who doesn’t leave a message, i don’t waste time returning the call.
Beginning May 1st, i’m going full-time, nationwide, with a rented office space for clients to meet with me and i’m no longer going to their homes. Also incorporating PayPal for non-local clients.
Over the weekend i’ll write out step by step instructions from start to finish and email them to anyone who wants it. Email me at rodriguesd799@yahoo.com and i’ll happily send it to you/AJ/Sylvia or anyone else.
BUT PLEASE, don’t purchase anything to learn how to do this business because everything you need is public information and free! Tadaaaaaaaaa. If you search long and hard, you’ll see that my website is the only website of someone who’s actually DOING the business. Give me a shout, later kids.
Darlene
Please email me all the info on how to get started. I am retired and want something to start from home for extra income. I am so glad I found this online and not get mixed up in some type of scam! Hope to hear from you soon, THANKS for sharing. Toni
Toni, I suggest you follow Darlene’s instructions in the comments above. Check out her website, and then contact her with specific questions at the email address she listed. Good luck.
That’s a generous offer, Darlene. I’ll be interested in seeing your written instructions when you’re finished.
Yay!!!!!. Thanks Darlene.. please do send us that Info as I want to get started on this..
Toni, i’ve emailed you a response. Joe, pls send me your email address, thanks, but no rush.
D.
Got it Darlene, will be waiting, again, thanks for sharing!
Just to give everyone a status, i’ve begun the write-up and it’s 12 pages so far. What I’m attempting to do is make it very interactive with screen shots and hyperlinks pointing to points of interest both within the document and out to various websites, while giving you just the absolute bare minimum and facts needed to understand the entire process, omitting the fluff. Everything/anything that you will need to know when speaking with your client is colored green. Everything/anything that you will need to know/remember/have to do this business is colored orange. I will get it out to everyone as promised at some point tomorrow (Saturday). Thx.
28 pages now… not even close to finishing. I’ll keep you posted.
Hi, i’ve finished the write-up, it’s 39 pages. Right now i’m checking the internal and external links to make sure they all work as they’re supposed to and i will try my best to get this out to everyone asap!
Thanks, Darlene! My email is joe[at]ivetriedthat[dot]com.
Hi, the finished document is 3.72 mb as a zipped file and still too large to email. I’m trying to find another way to get it to everyone. .pdf-ing it right now.
Hi, everyone should receive an email invite to view the document at my MS Office Live Workspace. Good luck with the business and let me know how you’re progressing. Ask questions anytime.
… The email will come from mystiquemuzil@hotmail.com (my MSN email address), don’t be alarmed.
I would like to receive Darlene’s email. I have been considering starting this type of business also and would love to incorporate her experience.
Hey Darlene, my e-mail is fanlozano@hotmail.com.. pls send to me too… I cant wait..
Fanster, I’ll send to you right now. E. Mosher, pls send me your email address either here or to rodriguesd799@yahoo.com.
Wow, great job Darlene. Your information is really helpful. I have a question though and maybe you or someone else can aswer it. I read on another website, I dont have it handy with me right now that the tracer receives the HUD refund check, they take it to the bank, cash it and send the client the difference of whatever the fee being charged is. How is this done? Is it done by power of attorney because I think that would be an even more effective way of collecting the payment, don’t you think? Also, you can always tell your client that they don’t pay you anything until their refund arrives, since like you mention on your file some fees may be too steep for elderly people. I am just wondering how is it that some tracers cash the checks if they are not under their names???
Fanster, the purpose of my writing/sharing my information was for everyone to forget about what they’ve previously heard/read/seen elsewhere and to finally start learning how to do this business in the most efficient manner that’s beneficial to both you and your client. All of the info ‘packets’/'booklets’ sold online are archaic(sp), 1980’s info and all it is is a photocopy of another photocopy of the original manual. Whatever you bought online just flush it down, chalk it up to lessons learned and call it a day.
You said:…that the tracer receives the HUD refund check, they take it to the bank, cash it and send the client the difference of whatever the fee being charged is. How is this done? Is it done by power of attorney because I think that would be an even more effective way of collecting the payment, don’t you think?
Fanster, yes, with a POA HUD can and will mail the refund check to the Tracer but HUD never did and will not ever print the Tracer’s name on the refund check therefore no Tracer is ever allowed to cash refund checks. My document shows you how to get paid before the refund check comes, without a POA. Remember one thing, this is your business so you tell the client how you will get paid, not the other way around.
Is the POA a more effective way of collecting payment? No way! The MOST effective way to ensure payment is to build trust with the client beginning the very first moment you speak with them. You meet with them and let them shake your hand and get to know the person they’re giving money to, to help them. You build friendships and relationships along the way. Sit for awhile and have another cup of coffee, even if you don’t want to. THIS is the MOST effective way to ensure payment. I’ve never used a POA because it’s an unnecessary, added step in the process. What you want to do is shorten the time period from the moment you speak with them to getting the first partial payment. When you’re with your client, nothing and nobody else matters meaning the cell phone is turned off and you have nowhere else to be except with them for as long as they’ll have you. Why? Because the more time you spend with them, the sooner you get paid.
You said…Also, you can always tell your client that they don’t pay you anything until their refund arrives, since like you mention on your file some fees may be too steep for elderly people. I am just wondering how is it that some tracers cash the checks if they are not under their names???
Fanster, yes with certain clients you can allow them to pay you once their refund comes in, and to take that further, you can help them for no fee at all. If a refund is not going to get me at least $10, often times I will assist them for free because of the referrals I will get later. But also, on the other side of that, in some cases the clients will pay the total fee upfront regardless of the amount so it evens out.
You don’t want to get into the habit of telling all of your clients that they can pay you later because the average processing time for them to receive their refund check is 120 days AFTER HUD receives the application. Figure on a total of 10 – 12 weeks from start to finish before they receive the check.
Save yourself alot of time and heartache and just follow my document word for word and you’ll get paid upfront every time, either partial or full. No POA required.
Hi Darlene,
Could I get you handbook too? I am a stay home mom wanting to start a home based business and i’ve looking all over the net to try to find info about these refunds. So you are the answer to all my questions…Thankyou very much. erikaparker2001@yahoo.com
Sending to you now, Erika, no problem.
Darlene,
My wife and I have been looking for a home based business to supplement my pay. She’s a stay at home mom. The last eight years, we have been bless to be able to keep her at home with our kids. With the economy the way it is, it’s getting tougher to do this without help. We would like to keep her at home with our kids. This is the answer to our prayers. Please send us a copy of the handbook. May God bless you for helping out so many. Our email is edpris5[at]peoplepc[dot]com. Thank you again.
Hi Darlene,
After finding the job posting on craigslist.com and doing a little homework myself, I would also like to review your document too.
Thank you. 1difference[at]live[dot]com
Darlene,
Thank you so much for your document. It is very clear and concise. I think this will really work for me since my mom owns an insurance office and I can have the people meet me at her work place so they know it is not a scam. Most of her customer base is non-english speaking hispanics so I would translate the documents you kindly shared with us and even try to do calling more than mailing cards since that is how it works better with the hispanic community. I will keep you posted on how I do. Thank you very very much
Erika
Hey Darlene, my e-mail is edithw47[at]aol[dot]com send to me too… I cant wait..
Hi everyone, over the weekend I will get up to speed on my emails and sent the instructions out to those who hasn’t received it yet. Sorry for the late response.
Darlene,
I’ve read your latest posts on the blog (http://www.ivetriedthat.com/2008/03/19/can-you-make-money-processing-refunds-for-hud/). I’ve been inquiring into the HUD/tracer business for awhile but have read contradictory accounts on the actual HUD lists of homeowners who have potential MMI checks coming to them. From most of the websites I’ve come across these lists are for sale by state, but I haven’t come across any that offer them for free. If they really are public information, and if you know a way to access the names from the HUD database, I would appreciate it greatly if you would respond with some tips. Thanks and much obliged…
Louis S.
alias1937@aol.com
Eddie and Priscilla, Monique, Edith and Louis, you should receive the information shortly. Let me know of any questions, thanks.
D.
Hi Darlene,
Would you please send me a copy of your prepared document. It seens to me that it would be very helpful. ozuna.reda@gmail.com
Thank you.
Hello Fanny-
Thank you for all the research you did on this – saved me lots of time and at least a few bucks from the sounds of things.
Has anyone else started following Darlene’s program? I am very interested in making some legitimate extra money!!!
Thanks, again-
Debra
Darlene,
would you please email a copy of your booklet on tracer refund program. My email is pcolacap@yahoo.com
Thank,
Darren
Hi, just letting everyone know that i’m no longer offering the training manual for free. I’m currently working on a version 2 and hope to start marketing and distributing it for sale shortly. Have not decided on prices yet, still. Everyone who has received version 1 will continue to get free support and updates.
Thanks.
Darlene
Hey Debra, you’re welcome… Im glad that this post is helping alot of people. I have lost money online buying products trying to work online from home, not to mentioned being scammed. Im glad that IveTriedthat and I have been able to help.
Darlene, don’t charge for your product…. It is great and the info is free online anyways..
Darren, send me your e-mail address and I will send you the link to a free manual online.. actually let me post that here.. It should have been included in the article above.. here is the link… http://www.geocities.com/freeebooksus/hudbook.html
Now, this is not my personal link. I was able to find this link while I was a Secret Agent.
Fanster, look closely at what you get for free through that link you sent Darren. As i said earlier, the information being sold online today is from 1983 – the information in this particular ebook has not changed for over 20 years (evident by the incorrect form number for the Refund Application, which is actually Form HUD 27050-B; and in today’s busy lifestyles, who has time to spend at the library to locate people?) Sure, they tell you what to do but they don’t tell you exactly how to do it. I think everyone here will agree that they will pay for good, accurate and up-to-date information and a more streamlined process that will benefit both their clients and themselves. My process uses two forms (TFC and Application) and i get paid upfront all the time. Which would you prefer?
Also, i believe you misunderstood, my information is free up to the point of going ‘live’. I already sent Darren the info, for free.
- Debra, i don’t think you gave me your email address to send the info.
Darlene, what do you mean up to the point of going live?
You’re right though? The manual I found is oldddddd!! and your info is great and up to date. No beating around the bush with it. A million thanks to you for taking the time to do this for all of us. Im sure everyone appreciates it. Major Kuddossss.
Hi Darlene,
Could you also send me information about being a tracer. Sounds very interesting. My email is julieblm24@yahoo.com. Looking forward to reading it. Thanks in advance.
Hi, I am currently waiting on my package that I paid $89.99 for, I’m hoping that it is worth it. However, I am a little skeptical and would like to read your manual. So its not a gimmic? or is it? Please email me… bjandtommybailey [at] yahoo [dot] com
Hi Everyone,
Good thing I found this blog BEFORE I decided to contact Eagle Software Services to purchase their “manual”.
Darlene can you send me your write up? I would like to see how you became successful in doing this service. My email: imua7@hawaii.rr.com
Hello Fanster, by going live i meant when i actually start selling it, which i’m very close to doing.
Darlene,
Could I get a get a copy of your booklet too? Thanks in advance for sharing this information.
My e-mail: drbr77@yahoo.com
Thank you for being one who will share information. I was looking into this years ago before it got easier with the computer and all and thought it was a good idea, but just didn’t want the hassles that went along with it (postage costs, research, etc.). Now with the computer, I am sure it will be more streamlined and lucrative. I, like, you understand that you can’t process everyone on the list, so why not share. Thanks a bunch. I will be awaiting arrival of your information at wakeshfoundation@yahoo.com Have a great day today and everyday.
Corri, CA
Hi I would love the info too. It is very kind of you to off it. I am a homeschooling mom of 3 and I’m starting to feel the (financial) burn after being off work more than a year. My email is SOULSWEEP@OurCertainWay.com
Also please let me know how I can send you a donation
Warmly,
Soulsweep
OurCertainWay.com
I’m interested in the tracer program please send me the info on the book on how to get started. Your web site is great and I’ve gotten allot from it.
Hi… Would you please add me to the list of people you are sending your book to?
I’ve lost a lot of business lately in my sales job due to the economy and need to supplement my income badly.
Please accept my gratitude in advance.
My Email: jercarbra@yahoo.com
Could i please have that information too?I like the idea of building relationships as a way of building business.Me doing this work could really help my family get through difficult time we’re having right now.Thank you so much for offering help!
Edgar
Wow. Very impressive, Darlene! Needless to say, I’m excited
)
May I please have a copy? My address is seraph080@hotmail.com
Thank you and best wishes,
Kellan
Darleen,
I am interested in the information also and was wondering if your could please send me a copy also? My E-mail is markandjess11 [at] hotmail [dot] com
Thanks,
Jessica
Darlene,
What a relief to know that you took the time to research this and bring it up to date. If you haven’t gone ‘live’ yet, send me a copy of your program. I bought my manual for $79.99 and followed their format, but had a few questions before I sent any letters out. Thanks again.
Ron
I love doing research and live in a large area where many in-person contacts could be made. If you still have version 1 available – please send it to me. jaglady17[at]comcast[dot]net When version 2 is available for sale – I think those who have used your information should go back and purchase (that’s only fair – don’t you think? )
Thanks for your research and honesty in sharing your step by step methods. Often these ’scams’ are based on solid concepts, but they leave out the details.
Darlene,
Darlene,
Please send me the mortgage refund instruction that you spoke about if you, of course, have not gone live yet. I am a 24yo mother who has been on crutches for over a year and am looking for a way to make extra money from home. I, like so many others, learned of this oppurtunity from eaglesoftware.com’s posting on Craig’s list and (thankfully) found your blog instead. I think it’s awesome that you have saved so many people from being scammed AND offered the info for free. If you did being to sell the book, please let me know how I can purchase it. I am very anxious to give this opportunity a try. My e-mail address is nacolenurdin@yahoo.com.
Thanks,
Nacole
Hello, hello everyone. Just a quick note that i’m in the process of relocating into an office space and i haven’t been online in about two weeks. Once i’m all set up and reconnected, i will respond to everyone first thing.
I do want to say again that i’m no longer offering the free version 1 of the manual, as of April 15. With packing and moving, version 2 is long overdue, past my initial release date. I’ll keep everyone posted on when it’s available and how to access it. Thanks,
Darlene
Hey everyone, I just completed the manual just an hour or so ago. I got some of you on the email i just sent out, i’ll catch up and add those of you who’ve signed on here since my previous post on 4/21.
Just want to add, thanks to everyone for being patient while i was in the midst of moving and writing. I’ll be in touch more regularly again.
… sorry; the manual can be purchased at http://www.scmiprefunds.com/shop/ and there’s three Tier levels depending on your learning curve.
Darlene??? Purchase? I thought you said it was free? megandalton@msn.com
Megan, version 1 was free for some time. As posted on 4/15, i stopped allowing access to the free version once i started working on version 2 for retail.
Da Fanster tried to add this comment, but has had trouble. So here it is:
“Hey Guys, I have been getting e-mails to send out that Darlene’s document. Unfortunately I cannot as the document does not belong to me. Please take your time to read this review as you have access to all the free information that I was able to locate. Here is the link to the free manual one more time:
http://www.geocities.com/freeebooksus/hudbook.html
Yes, the manuals info is quite old, but you can defenitely use it as your guide. Is Darlene’s document good and worth it? Im sure it is and it is updated with the methods that she is currently using today, but for those of us who cannot afford the spend money is best you use the free ebook at the link attached. I hope this helps all of you and I wish you all success.
Da Fanster, Secret Agent”
Seems like Darlene was just another money hungry seller PRETENDING to help others.
I have been around the industry long enough to know her technique is very common for a product launch for informational products, baiting with some information for free, gathering testimonials, and upselling for a much greater fee. ($170?? are you nuts??) What the heck is a “live” version?
It is even comical to see a lot of testimonials gathered from this page and she pasted it on her purchase page, verbatim. (Has anyone agreed to this?)
A lot of people here NEED the money and somewhere to start, you should be ashamed to take advantage of that and people’s trust.
Hilary, good points made.. that is why I made contact with Ivetriedthat, so that this post would be available to anyone looking to purchase any form of information on this business and as you can see from my review, all the free information is here for you. I like alot of people am a stay at home mom and do not have the resourses to spend money online to get a business going. Thanks to IveTriedThat though I have been able to find real job leads. I plan on starting my own blog eventually to get the links up and all the information. I will be glad to send you any of the leads that I do have. Currently I am taking customer service calls from home.
For anyone who is interested in seeing the EagleSoftware e-book. The Fanster is now selling it herself. It somes with resell rights so you can sell it yourself too. I however will be selling it at the cheap price of $2.99.. woo hoo.. E-mail me if you want it.
Hilary, i’m really sorry you feel that way. As i said in many posts, i’ve been doing this business for over seven years. Whether you purchase my password-protected interactive ebook really won’t make a difference to me either way because most of my income is from assisting property owners get their refund. Just recently i’ve begun showing others how they too can be successful 3rd party tracers through my step-by-step instructions, and, providing support. Not to mention, this is what i do full-time now. So I’m not just someone selling information, Hilary, i’m actually doing this business. As a matter of fact, I still provide email support to several of the posters here – FOR FREE – when they have questions from when i did allow free access to my instructions. Your choice to purchase my material is your business, however, my business of being a successful 3rd party tracer and teaching others how to do the same will continue to flourish. Best of luck to everyone in whatever opportunities you choose.
Darlene, can we still get your handbook for free? Or do we have to pay a price? I just found this page today…
Darlene, forgive me for being a late-comer, but I looking to get in the Hud Refund Processing business as well. I’m currently a (full time) loan officer in GA and if you’re well versed in the real estate market, you understand why I’m trying to find something else to supplement my income. If its not too late, please send the instructions for getting started and if there’s any kind of fee associated, please advise. Thanks again Darlene. My email address is superiorloanofficer@yahoo.com
Hi Darlene!
May I get some information too? My husband and I have been looking for jobs and I have some mortagage experience.
Thanks so much!
My e-mail is lestau100@alltel.net
Hi Darlene,
I just had my third baby and would love to find a way to stay home with my children. I have been researching this type of business for a few weeks now and would love to get any information that I could from you. Thank you, my e-mail is nsshaw2001@msn.com
did darlene also mention she sells products on her web site too?
Darlene.
Would you be able to e-mail me the infor on how to start on this. I already paid the 39.99. But, would like any other FREE help I can get. I have a very stable job as a RN. Its actually for my parents, who are on disability and struggling.
Thank you
To the I-purchased-or-got-Darlene’s-manual-for-free folks:
In doing my own research and looking through this forum, it seems like there is a lot of interest in a position that has the potential to be so lucrative! I know I’m interested! Has anyone who purchased the manual (or who got the manual for free prior to her charging) found it to be promising? And is there anyone out there who would be willing to share the free version (or the purchased version if you’re feeling generous) she put out prior to “going live”? Like most of you out there, I don’t have the money to shell out to purchase her manual off of her website. Any help would be awesome…and greatly appreciated. Thanks in advance!
Could you please e-mail me your booklet? I am really having a hard time finding work and this looks like it would be interesting to try..Thanks so much
morck616@yahoo.com
Hey there everyone, just wanted to let you know that I finally got my blog up and running. Thank you Steve and Joe for all your help. I think I am now on my way to internet millions.. LOL..
Jobs leads are posted on my blog for those of you looking for legit work at home. you can find my blog at http://www.nodaycare.wordpress.com
Signed
Fany AKA Da Fanster
I WOULD LIKE TO HAVE THE SOFTWARE TO DOWNLOAD IF SOMEONE WOULD BE WILLING TO LET ME BORROW IT
Darlene or anybody else that can answer this question:
When it comes to the list of names you can get, is it a scam to pay for these or is it and unavoidable expense. Because I have so far only seen a fee for this but I would hate to spend 50 bucks to find out I could have gotten it for free. Thanks!
There is a way that you can locate people on the list for free but its long and tedious. As far as I know the fee for the list is legit but the list may be outdated.
Here is how you can locate people.
1. Go to the http://www.hud.gov site
2.click on FHA refunds
3. On name type two letters to get a list of people by using 2 letters of the last name that you’re looking to get results for. For example, you can type the entire last name Smith, but since you dont know which last name you want to search for just type SM and click search. You will see a list of all the people with last names that start with SM.
4. Now you look for the refunds you want process. Have plenty of FUN. This can take you an extremely long time to do as these will not be sorted by state.
i am new to this group, i am so happy that i found it. can anyone tell me about UNITED REFUND SERVICE? i am very much thinking about buying there course. will they do what they claim. if so its a great course. hope to hear from someone soon. thanks everyone and have a great day r.c.d. please feel free to contact me at my email address rogercote@nycap.rr.com
don’t do it. they sell the same thing eagle services does. the only one so far that is ligit, but is does cost more is Darlene’s r book. The link is posted above. Also if your curious what they are selling its a manual you can get for free at one of the above links. The manual at least gets you started in the right direction if you can’t afford darlen’s book right away. I would also sudgest reading all of the comments on this page there is a lot of helpful information. Good luck!
hello everyone, well i decided to hold off for awhile before i purchase anything to do with hud trasing. i know i am never going to be rich, i can accept that. i just want to make enough money to pay the bills and have a littke fun. but anyway if there is anybody that is making money at home from a program they purchased and is doing well could you please contact me. thank you all and have a great DAY. (rogercote@nycap.rr.com)
hello has anyone heard of ucs, or purchased there program? if so could you please let me know thank you roger c.
I am intereted in getting acopy of the manuel and then who is good to go through to get the listings etc. L (great website and the blog works for me
Just a reminder that our interactive ebook now costs only $17.00. Customer service via phone and email are no longer provided, all faq’s are posted and responded to in our Google group so that all can benefit from the inquiries, concerns and questions. To purchase our 9-chapter interactive ebook, please visit http://www.scmiprefunds.com/shop.
Thanks.
Hello! I came across this blog when I was researching a link that was given to me regarding processing mortgage refunds. In this blog I also saw that people here are looking to supplement their income and looking to work from home.
If you are not afraid to get your hands dirty, you may be able to do just that-work from home and be your own boss. This job requires you to change locks and clean house etc. You will actually have to work. The guidelines will show you where to get the work and how to do them. You will be working on foreclosure and bank owned properties and it DOES NOT involve buying and selling. Please go to http://www.backofficesolutions.us/Field to find out more.
HI Darlene
I copied your email address down but wanted to know if I have the right email? I see that you are listing two. I would be interested in learning about this opportunity and working from home. I am a stay at home mother actually at this time on maternity leave. Please email me at
uptowngirl75@gmail.com
I really cant afford the fees involved and the eagle services site did not look really informative at all. Could you give me the info on your site ebook or other information on how I can get started.
Thanks so much
CHristine DEE
what is the average income for a tracer. I’ve been doing this since April and haven’t seen good results. I’ve tried many different methods, and I still don’t get many responses. Is it because of the economy maybe?
have a good day!
Sarah
Some one from Hud Tracer called my home.Not sure still about all of this,but have been out of work..Needed to start something soon.Thank you for your homework.Please email me your booklet as well.Looking forward to seeing just what this is…Thank-you again…
Hello,
I would like to recieve the manual so that i can start this business thank you very much i f you would like to recieve some gasoline vouchers to give to those whom you contact to close the deal or get more of your money upfront let me know and i will help you with this.
Hey just wanted to let everyone know that my blog was deleted because I had affiliate links up on it but I did manage to make a forum of all the leads that I do have. You can find the forum with job leads at:
http://www.nodaycare.proboards55.com
Hope my research helps all of you.. And for those who keep asking.. I cannot send you Darlene’s document. I believe she copyrighted and well due to that I am not allowed to send you the manual she initially sent out. Sorryyyyyy!!!!!!!!
Hey Everyone,
Is anyone sucessful at the business? If you are I would like to talk to you. I am thinking about doing it myself. It is a challenge to talk to someone via telephone, about the business. I need a little coaching, via telephone, I have not been sucessful trying to locate a tracer that I could actually talk to. If anybody know someone, that I could talk to, please give me contact information.You can email me the contact # @ jillyoung65@yahoo.com
Thanks
Darlene,
Hello I was read this whole blog and am very interested in doing this. I has been very inspiring to know someone is making this happen. I was recently unemployed and am looking for something to supplement my income. Darlene can you send me more information. Here’s is my email Davidhsit @ gmail . com
I broke up my email because I noticed others doing it too i’m assuming it filters spam and junk on this webite. Thank you so much.
David (and others wanting information),
I suggest you contact Darlene at the email address she lists (rodriguesd799@yahoo.com). Also visit her Web site to purchase her guide ( http://www.scmiprefunds.com/shop/).
I have bought Eagle Software Services software over 5 years ago and did great from it and I still do. Especially with the fast unlimited customer support and training they offer which is great. I think I will share this information with the company and see what they think. There is no problem with others profiting on the idea as you are but it is funny that you complain about the price and offer a “free” manual then you jump boat and start charging a price for it. Then you see how hard it is to offer support and then you jump boat and stop offering the same type of support. It is funny how easy it is for people to complain on the Internet while no one gives credit where it is due on the Internet. Anyways Good-Luck
Thanks for the information,My work is very slow and I’m getting
very concerned.I very interested on how to make income on this subject.Can you please send me so more info,
Thank You very much for digging into this, If you need my help just email
me
PS I allready got scammed this.{allmost$89.00 It was an ad in the paper. co name capital
All the best
Darlene, Thank you for the research you did on the mip refund business. I have been thinking about doing it for a long, long time. Now is the perfect time. I was about to purchase a couple of the manuals/listings that you mention were scams. I think I will definitely be purchasing your manual very soon. I am interested in finding out how to get a state recipient listing from hud without having the case number or a specific name or the first couple of letters of the last name. That’s how I was looking up listings in their database. It takes forever and you never really get anywhere. Also, would you consider doing one-on-one mentoring or an instructional dvd manual? Some people (such as myself)learn better when the methods are demonstrated as well as read. Look forward to hearing from you soon.
Darlene or someone can you give me a contact number to hud to find out if a refund was given out in the past.i got a letter in mail to fill out that i was getting money back but had to have x-wife fill it out also gave it to her to do so she said she would sent it back to hud i never got it back she said she did not also i think she got it but never told me. can someone please help
Ha, I don’t agree with it all but nice none-the-less
Hi Darlene.I was wondering if you could email me those step by step instuctions.I would really appreciate it.I’ve invested in this program about four months ago and unfortunately paid
89.90 for a 10 page booklet.Long story short.I,ve read the book step by step in their way of doing this proccess and it seemed alot more difficult to work with than that meets the eye.I’m
glad to have stumbeld on to your blog here.By me reading your
short example of your way of approching this matter seems to make alot more sence, as well as successfull.I’ll look forward to your e-mail.thanks
I have not been on this board in a very, very long time so i apologize to everyone who’s sent me messages. Unless you put your email address in your post, we’re not able to send the information you requested. Please send all requests (negative or positive) to us directly at customerservice@nationalmiprefunds.com and I will respond to all your questions and concerns. Thanks,
Darlene
Hi Darlene,
Please can U email me all the information on how to get started in this business. I want to start doing this full time, I am currently a licensed realtor but have not done a loan or sold a house in two years. I am happy to have found your link.
Thanks for sharing.
Dane
Hello Darlene:
I’ve read and heard everything but what you have to say! Could you please email me your information on how to get started with this biz?
Thanking you ever so much in advance.
Absolutely loved this! You told the complete truth and these scams are taking advantage of financially hurt and vulnerable people. I myself have spent over a year trying to find REAL work at home jobs and they are all bogus scams asking money for usless kits, programs, systems ans such to teach you nothing but to not give out money. I love the fact that you did the detective work and let the rest of us know. Any chance of you doing more detective work for other work at home scams and maybe finding out the legit ones as well? I know I have looked and can’t afford scams. Also, you mentioned a company that you got with to help you do the detective work for these sites, any chance you could let me know how to contact them. I would really like to help you and them in exposing these scam artists because I see people suffering everyday from these snakes and would love to be able to take them down so the legit ones do get to the people that desparately need them.
Thanks
Thanks, Rachel. Click around a little. Our site is chock full of other reviews of both legitimate and scammy “opportunities.”
Hey Darlene,
I appreciate your opportunity and that is something i need to do i have been doing tons of research re: HUD refunds and it is totally legit i have been just tryin to figur out how i would eliminate the POA, which i tottaly believe would be unneccessary unless people decide to do it on a national level. Currently i would like to do it locally and understand having the benifactors trust, i mean if someone is making $100 – $200 on one sitting and spending an hour with the client, just find more clients to sit down with. Trust is a big thing in my town (small) and everyone buy YOU and for that very reason i understand what you’re saying and have been dealing with clients in the same manner as you. I would need to start a supplimental income and have done tons of research in many of the courses and non seem to be a school of hard knocks such as what you’ve been writing on the blog and that is how i know you have been there and done that! that is why i would preffer to learn from YOU rather then be marketed by others who have no idea what they are talking about as they market their product, i believe you should know your product and you have something that i would like to learn about please send me info my email is ron_nfs12092@yahoo.com and for people that question on how to get paid using a POA one thing to consider is that the POA is your dead give away in all phases 1. Disclosing Dept of Housing and Urban Development to contact directly if you check out HUD’s website they specifically remind the benifactor that they don’t have to pay for tracer services but encourages them to do it themselves, through an automated bar to tyope out their info to find out how much they have coming to them as well as the step they need to take, not much steps, once they get a hold of the website or source for refund you lost a prospective client…..2. How will you convince your prospective client that you will have the check sent directly to you first, then you will send them the check? there is a flaw there an unneccessary step as Darlene had mentioned earlier in the blog, so the POA……i wouldn’t even think about it and that’s why Darlene mentions to work locally first to get a feel before going national and possibly using a pay pal account but i’ll cross that hurdle when that time comes…..just FYI guys i have been searching for a long time and feel that this is by far the best information i have seen then on any site on HUD refunds then on this blog from Darlene…..”school of hard knocks” so Darlene PLEASE i need your knowledge…..i need to make a supplimental income and have considered other things that i have thoroughly researched other freelance employment and nothing comes clsoe in allowing me to make my own time having the flexibility to do it anywhere anytime and it is totally LEGAL people can also go to the FAQ on the HUD website to see tracers are not favorable to them but is very LEGAL…..
Oh one more thing when i said dead give away i didn’t mean don’t misleading people i meant that the POA ussually or atleast from what i’ve been seeing discloses the HUD, that the US Treasury check would be sent to you ( Tracer ) unfavorable guy but would also need to be notarized meaning that your prospective client will have to do a drive to the bank or cedit union to have it notarized when? hmmmm good question, but they will also have the POA notarized to have their refund check forwarded to YOU ( Stranger ) over the phone ( if prospecting on a national level ) with HUD’s address on there? now who in their right mind would do that? how ar you gonna explain a “POWER OF ATTORNEY” without ruffling some feathers on this one? Total DEFENSE! i would be to….so that’s what i meant guys….i don’t wanna seem like you don’t wanna tell them anything or misleading them, that point was very important to me so now i’m out!
Your website is not secure for purchases. I do not know if you knew this already or not but that is illegal. I suggest if you want to operate a real business you prove to us your a DBA or something. I assume you have no business license because your website is not professional at all which is illegal as well. You have no record on the BBB and are not members which I find very odd. Care to comment?
Who are you talking to exactly?
Yeah i’m kinda confused Chuck?
Yes.. who are you referring to? Darlene’s site? I’ve tried that or what???
Chuck if you are referring to Darlene’s site there is one thing to consider, did you read the whole blog? from Jan 2008 to current and seen how many people, just in the blog Darlene has been trying to help for FREE with no other intent to offend anyone? now it gets a little demanding after a while and i would suspect that after a while it would pull you away from your focus which is YOU and YOUR FAMILY as you assist people with the same goals correct? so let it go….it’s simple if you wanna go out their and purchase a program from a company because of a fancy pay pal account rather then deal with the real deal, someone who did it as not only past thence but someone who is still doing it! you have two options? one is to do it!and the other is to forget about it….. problem solved bud, proof is in the pudding ( Read the BLOG )
Well what’s word? Anyone who purchased Darlene’s info are you making money at this yet? Any tips or tricks you might be willing to share? Just though I would see how it is working for everyone.
Tammy
Anyone a successful tracer yet? The link is no longer valid to purchase her material
Hi,
I have read some articles written by Darlene and your business sounds very interesting. I hope you do not mind if I ask you a few questions. It would appear that it would be very difficult to have people send you your fee upfront, especially in these hard economic times. Also do you use a power of attorney or do you have form 27050b send to the former homeowner and you just fill it out for them? Also you mentioned that you can obtain the listings for each state for free but I have not seen them anyplace.
I am in the Judgment Recovery business and I would be happy to exchange information with you if that is something you are interested in. The skip trace part of it is very similar.
I have done three or four HUD recoveries and I have two clients now who are due HUD funds but I am having a few small problems. The HUD is telling me that they will not accept a poa and the homeowner has to call for the form themselves. If I can use a poa and they send me the check directly that would make the process a lot easier. The clients I helped already have sent me my fee after they received their check.
Any info. that you are willing to pass along would be greatly appreciated. In return if you want some information about the judgment recovery business please do not hesitate to contact me.
Thank you
John
John,
I am interested in judgment recovery. Can you give me some info? Email me officehelper77@aol.com
John,
I will trade info on the third party tracer business. spike77y@aol.com
I purchased what Darlene offered and she bascially copy infringed from other companies as I have purchased everything that is out there in this field. I am surprised she has not been sued yet by someone. By the way Eagle does tell you everything initially in a email as they will give you better customer support than Darlene as she is not a real company. She does not have a business license number or can be verified. Just a warning please watch out for people like Darlene who pretend to be a professional or licensed.