Andrew Lockwood, J.D.

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!

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

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

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

"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

"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

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