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  • Only go if Heath will be dealing with your loan and not Forice.............................................Got our home loan with Heath. He was amazing. Everything was done fairly quick, great rates and very personal. I would refer everyone to him if he was who you were only dealing with him. Less than a year later we get a call about saving money with a streamline finance. This started in February where I sent in all the forms they requested. Talked to a women from the office for a week or two, she disappeared and then got passed to a gentleman. Flaky but he started working on it. Then all of a sudden to phone call or email they were gone. I trusted they were working on it and would get back to me. In reality they had hit a wall with the loan and were trying to put me on it and not just my husband which is how we had set it up originally. Well 2 months later Forice comes in to the picture. I would give Golden bear one star if just reviewing this streamline finance. He never calls back, emails, or responds to anything. When I track him down lies and BS spew from his mouth about how none of the delays or hick ups are his fault he is always the victim. When I ask questions or question his actions he gets defensive, and follows a tactic of trying to make you feel stupid for asking the questions. I was told not to pay our mortgage because we were going to be closing before the end of the month. I was worried and called a few time a week to confirm everything was on track. He told me he would pay the late fee personally if we had to end up paying it in May. May 30th at 748pm I receive this text as follows "Good evening Ashley. It's Forice Ham with Golden Bear. I just wanted to make sure that you and your husband made your mortgage payment for this month." Give me a break. How thoughtful to call the last day to pay at almost 8pm or 12am eastern to remind me of something you told me not to pay Luckily I didn't trust him anyways and had paid it the week before. That text was the last I heard from him and not that I expected it but I never did get the late fee paid. His voice mail is full so you cant leave messages. RUN FROM THIS MAN.
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