Testimonials
"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