Dear Andy -

Something nice, sweet, and short to say thank you would not equal the time it took for you to relieve me of my life of many burdens.

After divorcing six years ago and acquiring a huge amount of debt along with some tax problems - my life began to sink. I was pinned against a wall, with nowhere to turn. I finally filed Chapter 13 which actually only led my life deeper in debt.

With your help, I am now relieved of a Chapter 13, a tax lien and many nights without sleep.

I truly want to thank you every day for the new beginning of my life.

Sincerely,

Tammy DeRooy, Boynton Beach

 

Susan Gray's story is so incredible I thought I'd let you hear it yourself from her own lips. The resolve and flat-out guts she displayed throughout the last five years is inspirational. A quick summary of some of the obstacles she faced:

• Coming home to find her husband shot in the bathroom,
• tax liens in staggering amounts, a Chapter 13 Bankruptcy.
• And if that weren't enough, undiagnosed food poisoning that resulted in hospitalization and months of recovery!

I first met Susan well over 6 months ago when she responded to one of my mailers.  Her scores were too low to help her at that time.  But that didn't stop her!  Fast forward six months later - her finances have done a complete 180 degree turn for the better! 

Here's what we did:  Paid off her BK.  Lowered her payments by about 300 bucks.  All this and she walked away with more than $57,000 in cash!!!

Listen to her in her own words by pressing the "Play" button at the top of this section.  Way to go, Susan!  She's back on the road to financial freedom!

Rex Roper of Hollywood, Florida is a perfect example of when 'bad things happen to good people."

Rex is a great guy who had to file Chapter 13 Bankruptcy because of certain things out of his control.  He describes them in this clip. 

We helped him on his road back to financial security.  On a personal note, I really enjoyed working with him - he was always courteous, prompt and a pleasure to spend time with.

Listen to his story!  (Here it is again in case you missed it at the top.)

 

 

Alison Astair, Tamarac, Florida raves about her experience buying a home AND refinancing with Andy and the team at Blackacre Lending!

Click the "play" button, above, to hear Alison, a/k/a "Ms. Alison," of Temple Dor Dorim pre-school!

 

Dear Andy:

Where do I begin? When we first received your flyer in the mail, we thought, oh sure, just another hook or another company that would jerk us around and make life more difficult than it already was. We were afraid of all the articles we had read about situations that take advantage of people in our position.



BOY OH BOY, WERE WE WRONG ABOUT YOU, AND YOUR WONDERFUL STAFF.



Andy, I was so pleasantly surprised when we first spoke. You were so nice on the phone and so extremely knowledgeable. You made everything easy for us and whenever we had a question, you were right there to help us understand what was going on and what might be the right way for us to go forward.

How can we ever thank you enough for making what was once a very unpleasant experience for us into a rather enjoyable one. Especially your sense of humor!!!!! I havent laughed so much during what should have been a rather daunting time.

Many thanks, also, to Gwyn and Jeff who always seemed to be there with a smile to help us along further toward the end of the process.

I cant seem to really put into words, how much we appreciated and actually enjoyed the entire process. You all made things quite easy and we found that we didnt have to worry about the small stuff.

Andy, you are doing a great service for people who have stumbled upon hard times. You seem to have the soul to grasp it all.

We wish you, Pearl and the entire staff the best of luck in all that you do in the future and thank you again for all your understanding, knowledge and ability to make the process a happy and financially rewarding one.

Sincerely,

Barbara and William Rice
Jupiter, Florida

We were about a year into a chapter 13 settlement and stuck in an adjustable rate, interest only mortgage when the rates began to rise. That's when we asked our bankruptcy lawyer if it was possible to refinance our home and use the equity to payoff the settlement. He referred us to Andy Lockwood and Blackacre Lending.

At first we were quite skeptical because we had heard all the horror stories about bankruptcies and Andy's offer sounded to good to be true. When we met, however, we felt immediately comfortable, and were reassured by the professional yet down to earth style of business at Blackacre. Andy didn't just go over the paper work with us, he taught it to us. On closing day we understood everything because Andy had gone over it all line by line and made sure to explain it in a way we could comprehend.

We were completely satisfied with the entire process and Andy, Gwyn and the team at Blackacre far exceeded any of our expectations. We have already, and will continue to recommend Andy Lockwood and Blackacre Lending to anyone who has credit issues. We never felt like a customer. We felt like a friend…a friend in need and Andy was there with a helping hand.

Thanks Blackacre

Louis And Liza Bongiovi of Davie, Florida

Andy,

Thank you so much for all of your support during this process. I found you and your team to be extremely friendly and helpful. Everyone worked very diligently to get the money to me quickly and I greatly appreciate that. I look forward to working with you in the future.

Thanks again!

Denaya Palmer

Dear Andy,

Laura and I would like to take a moment to thank you for your assiduous handling of our (Chapter 13 Buyout) refinancing. Your explanations of the processes were right on the mark. We essentially felt no pressure and were quite relieved how quickly you got answers for us.....sometimes when we were actually on the phone with you or your competent staff. We never felt alone during the entire negotiations. Kudos to you.

With much appreciation,

Micheal and Laura D, Boynton Beach

Dear Andy:

I just wanted to thank you for helping me with the refinancing of my mortgage. The service you provided me was excellent. I have applied for several mortgages and loans in teh past but have never been satisfied with the service. Your direct approach was refreshing.

At our original meeting you supplied me with a list of what would be needed for the application. Once I submitted everythign I wasn't continually asked for items that were still needed. No changes were made from what we originally agreed upon. I liked that I knew upfront what was expected of me. I was also very pleased that the interest rate remained the same at closing. My loan was approved the next day which was a new experience for me.

Gwyn from your office was friendly and very courteous to me. Please give her my regards.

I look forward to working with you again in the future. I will highly recommend Blackacre Lending Corporation to my family and friends, as well as the numerous people I work with as a Realtor. Thanks again Andy.

Sincerely,


Dorothy Dadd, West Palm Beach

We were paying 8.5% on our mortgage; we had a bunch of high-interest credit cards (Andy's note - $43,785), and even though we both work and make good money, there never seemed to be anything left at the end of the month. Following Andy's plan, the interest rate on our home mortgage and other debts was cut in half. All of our other debts were paid off during the refinancing -- even the car loan-- and our total monthly payments to bills were reduced by $1,218. This gives us more than $14,000 a year in cash we didn't have to invest. We even got $13,621 in cash when we refinanced. We're even going to pay off our mortgage in 13.2 years! Thanks to Andy, we're in a much better financial position. Why wouldn't other people do this?

Tim Kearns, Coral Springs, Florida

Whenever I refer one of my clients to another professional, I put my own reputation on the line. Andrew Lockwood actually enhances my reputation when he handles mortgages for my clientele. I know that he will provide only the highest level of service and be extremely responsive to my clients needs.


Stuart Horowitz, MBA, RFC, CFP
Senior Partner
Andrew Stuart Asset Management Group, Inc.
Coral Springs, Florida

"Andy walks on water. "

(Over a month-long period, client had been told by two other mortgage brokers that they could not handle a direct 1031 Exchange. Blackacre stepped in and closed the transaction within 6 business days of submitting the file.)

Micheal Heit, Real Estate Investor and Owner of The DreamCar Carriage House

Buying a home is typically the most important decision a person will make over a lifetime. Andy takes the time needed to guide his clients in the decision making process and communicates with them throughout, which is unusual for the mortgage industry. When I refer a client to Andy I know he will take good care of them.

Alan Budelman
Client and Referral Partner
Emerald Asset Advisors, LLC
Weston, Florida

I've worked with Andy for several years...he does an outstanding job on all types of loans good credit, bad credit, no income verification...to name a few ...he gives clients the information they need to make an informed decision.


Eric Solomon
Client and Referral Partner
Broker/Owner
EMD Real Estate

After being in the real estate business for over 20 years, finding Andy was like a breath of fresh air. My deals progress and close smoothly, which gives me the confidence and freedom to concentrate on other aspects of the transaction, or to go out and produce more business. His follow-up and attention to details are unmatched. When Andy handles the mortgage in my transactions it eliminates the biggest concern that any Realtor has.

Diane Dorfman
Realtor
The Keyes Company

"Thanks - the whole process was super fast and convenient!"

Sal Guariniello
Ft. Lauderdale, FL

On a 1-5 scale, 5 being the highest Sal
Rated us as follows:

Communication:       5
Accuracy:              5
Responsiveness:      5
Overall:                  5