The complaint has been investigated and
resolved to the customer's satisfaction
Homeowner Protection GroupMortgage Resets


This company is an out and out fraud. I worked for them since Oct of lasy year and began submitting business at the same time. They stated they would pay comissions withint 5 days of the date the case was decided and the client paid the fee. They also stated they had never lost a home to foreclosure. <br />
To date they have not paid a dime to anyone in the field or the managers above them, they have been responsible for 1 client of mine losing 1 property to foreclosure due to not following through on promises made to the client .<br />
Mr. Jess Limm the owner has had the attorney that is filing a class action law suit stet that payment would be made by March 1st on their last propaganda broadcast, and once again this is nothing more then a stall tactic to forego paying anyone anything.<br />
If you have clients that are waiting for help through this company and have paid I would suggest to find other means of assistance, and move your clients elsewhere as this company is a fraud.


  • Kenneth Paar 4200+ connections Apr 06, 2014
    This comment was posted by
    a verified customer
    Verified customer

    I had the same or similar experiences with HPG starting in Dec 2008 at their San Jose, CA location. I both needed their assistance as well as I wanted to become an affiliate via Trishe Nguyen. I too spent countless hours compiling all of my paper trail and other docs related to my 1st mortgage servicer, Homeq Servicing and my 2nd mortgage lender, Wells Fargo Home Loans. I paid the $3750 fee in December 2009, 7 months following my family home's (located at 1707 Starlite Drive in Milpitas, CA 95035) auction on the Santa Clara County's Superior Court's steps. Somehow, no one ought my home except my 2nd trust deed holder (WF).

    I'm hopeful that I can still get my money back, even after more than 4 yrs.

    If you want to discuss my case or just share notes, I can be reached at: [protected] smartphone, [email protected] or via Skype ID: ken.paar1. My family re-located to the Fresno, CA area over 2 yrs ago.

    Kenneth Paar


    0 Votes
  • Kenneth Paar 4200+ connections Apr 06, 2014
    This comment was posted by
    a verified customer
    Verified customer

    I too was scammed as I paid the $3750 (borrowed from my 82 year-old mother) fee back in early December 2009. I can be reached at [protected] (smartphone) or via email at [email protected] if you want to work together on filing a class-action lawsuit. Id almost given up hope of finding a solution to this issue, but now I have renewed hope. I too thought that NOAH (the 'new' HPG) would be the solution, but, alas, I was burned again. It's not nice treating a U.S Navy veteran of over 25 yrs in such a manner. I currently reside in the Fresno, CA area. I just want to see justice, not revenge. That's Almighty God's regime!

    Kenneth Paar
    Skype ID: ken.paar1


    0 Votes
  • Mi
    Mikeavh Jun 09, 2011
    This comment was posted by
    a verified customer
    Verified customer

    I too have requested a refund from them since February 2011 after 22 mos. of waiting and have not received a word from them nor any correspondence. NOAH calls leaves a voice mail at home asking for $600 to proceed with case !!! am now looking for legal avenues to pursue. They should be held accountable !!!

    0 Votes
  • Sa Aug 19, 2010

    Ok, folks, we know the bank will sell note but unwilling to pay for the upfront fee. Here is a program on Principal Reduction Program - Free and no upfront charge, period. Nothing to lose except time. We dont stop foreclosure so you need to submit your file early.

    Offer through the non-profit...Vision of Faith at their website: No over promise. Click on the 10 min video to find out more.

    If serious; email at [email protected] or call them at [protected] x 1

    Good luck!

    0 Votes
  • Pd
    P Diep Jul 17, 2010

    Yup they dont pay their Agent Marissa Cua knows whats going

    0 Votes
  • Rt
    R.TORR Jul 04, 2010


    0 Votes
  • Pr
    private1234 Jun 18, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Hello Does Anyone know how to get in contact with Attorney General of California and Ms. Joyce Arnel-District Attorney Criminal Investigator ? According to complaints on the board shes the agent handleling the fraud investigations. Please reply if you do. Thank you.

    0 Votes
  • Ju
    Juan Solis May 19, 2010

    Marissa Cua is big time con artist please be careful of her she will scam you too HPG is changing name to "NOAH" please pass this around . they"ll do that so they can hide from those people that got scammed ...
    cut and paste below link to learn more how Marissa Cua and Jess Lim scammed the hoeowners
    Home Protection Group (Hpg) — SCAM

    0 Votes
  • He
    Helen _ng May 16, 2010

    Be Careful of Rissa Cua she ver promised too.. Stay away w/ this Company.. this is a scam.. Over Promised Under Delivered

    1 Votes
  • Ta
    takeitnolonger Apr 21, 2010

    Beware of Home Protection Group (HPG). These people are nothing but con-artists. They convinced me into believing they were going to lower my mortgage payment by conducting a forensic audit on my home loan. There website disclaimer clearly states that they are not a loan modification company, but when I consulted with them they assured me they could reduce my mortgage payment. Sound like a modification to me!! They had me fill out and sign an application giving them the authority to request my original loan documents from the lender. There was no up front cost. I didn’t have to pay anything until the forensic audit was completed. HPG told me, while conducting their investigation, if they were to find any discrepancy in the original loan documents, they would go into aggressive negotiations with my lender. Practically forcing the lenders hand into lowering the principle balance owed on my home to what the current market value is today and also lowering the interest rate on my loan, resulting in a 10 to 30% reduction in my monthly payment.
    Well that sounded great to me, because I was then and still am current on my loan payments. I don’t qualify for a loan modification because I am able to make my payments. There are some loan modification companies out there who have their clients intentionally hold back payments so that they can show a need for the loan modification programs. HPG markets their program to home owners that don’t want to ruin their credit. HPG told me due to the fraud committed by the underwriter my case would be resolve in within three months.
    HPG did contact my lender requesting information about my loan. I know this because my lender contacted me inquiring why HPG was requesting my personal information. HPG instructed me not to discuss anything with the lender because their Attorney’s were handling my case and that anything I discuss with the lender would complication the negotiations and my possible lawsuit. At that moment, I felt comfortable and confident that HPG was a legitimate company looking out for me. Later I would regret my decision
    Shortly after my contact with the lender I had received an email from HPG congratulating me on qualifying for their Home Retention Program. Here is the letter:

    Congratulations! Home Protection Group has reviewed and accepted your application as a candidate for the Home Retention Program. Our company feels you have a strong case, and we would be honored to work with you in solving your mortgage situation.

    In order for us to move expeditiously forward with your file, please check with your Processor or myself to make sure your payment for the Service Fee is made in full. At this time, only bank-issued cashier’s checks or bank-issued money orders are accepted and they should be mailed to

    ATTN: HPG Accounting Department
    20955 Pathfinder Road Suite 200-22
    Diamond Bar, CA 91765.

    As soon as your payment is received, we will immediately initiate our legal process on your behalf and keep you informed of the status of our actions.

    As your Personal Assistant, I will be your point of contact working together with your Processor to guide you through our process. Please forward all legal paper work and/or notices from your lender(s) as soon as you receive them to your Processor and to me ASAP. There are legal procedures that we must follow in a judicious manner; therefore, it is essential that we have current information in order to act accordingly and in a timely fashion.

    If you have any questions, please let me know. We look forward to serving you.

    Thank you.

    Jan Vincent Bacon
    HPG Personal Assistant

    When I spoke with my HPG representative, he told me that they had found so many discrepancies in my loan documents. That they felt they could easily negotiate with the lender because the under writer had defrauded me. The email also stated that in order for them to go any further on my behalf they would need a cashier’s check for $3750.00. After receiving what I thought was great news, I sent them the money.
    A couple of months had passed and I had not heard anything concerning a reduction or any contact from HPG, I called their office to find out how thing were proceeding. I was assured that everything was going as planned and that I should be seeing results very soon. Two more months had passed with no results. I called them and was sent to voice mail. I left them a message. No response. I called several more times. Still no response. I found their website and did a live chat with one of their operators. He put me in contact with my HPG representative, a Mrs. Castile. I sent her an email. She did respond by calling me.
    When I spoke with Mrs. Castile, she informed me that they had changed the format of the program and that an investor would be contacting my lender to buy my loan at a reduce rate and that my payments would no longer be made to the lender but instead to the investor. A red flag immediately went up. I informed her that I never agreed to that and that this is not the program your company had presented to me or did I ever agree to anything other than the forensic audit and the negotiation with the lender. After hearing that HPG change its format, I told her that I wanted all proceedings to stop and that I wanted an immediate refund of $3750.00 due to the breech of services they didn't provide.
    I contacted my lender and informed them not to discuss or negotiate my loan with HPG or any parties. My information is thankfully being protected by my lender. I also asked my lender if they had the received any further inquiries from the HPG group since they first had contact requesting my info. Fortunately, the answer was no. My lender assured me that without my written request on their paper work. They do not under any circumstances release information to a third party. HPG knew that my bank had never given them my loan information.
    I have repeatedly requested my money back without any response. They won't return my phone calls or emails. It sounds like another ponzi scheme. Don’t be conned by these scam artist. If anyone out there is thinking of using Home Protection Group (HPG). DON’T DO IT!
    If there is anyone out there who has been victimized by Home Protection Group (HPG). File a complaint with the California Attorney Generals office and the District Attorney’s office in Diamond Bar, Ca. Feel free to contact me. We need to contact an attorney that is willing to file a class action lawsuit on these crooks.

    0 Votes
  • Tt
    tt123 Apr 20, 2010

    Hi Gina, Have you had a response regarding a refund, I too am in the same situation and want to demand a refund

    0 Votes
  • Gi
    GINA3 Apr 15, 2010


    sent them this letter. NO RESPONSE EVER!!!

    I have been in your program for over three months now and have not had any type of correspondence with anyone at HPG.
    No one has contacted me and I made my payment the den of December. I have to no avail called email and no direct correspondence on your part has happened.
    I have faxed a cancellation form and sent you the original via usps certified.
    I understand, through my own research, that your company is currently under investigation. Regardless of the lawsuit, which I don't know I'm a part of, I am hereby requesting my refund immediately by close of business day tomorrow. If I do not receive my funds by wire by close of business day tomorrow, you will leave me no choice but to contact the Attorney General of California and Ms. Joyce Arnel-District Attorney Criminal Investigator who's handling your investigation.

    0 Votes
  • Xu
    Xuan Tran Mar 12, 2010

    I agreed, same as me, until now I did not get any penny of my commission, and my client lost the house. Jess Lim promised several time, but no pay.. If you, who on this web refer to your friends or someone you know, who was HPG clients, tell them ask for refund if they want to keep their house.

    0 Votes
  • Li
    lilia nenoza Mar 09, 2010

    I think, you'r right about being apset, because they promesed a lot of things and I haven't seen any results, except people loosing their properties and the staff of HPG, don't know what's going on, also they haven't paid their agents, SHAME ON YOU "HPG"

    0 Votes

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