Client Testimonials
Below are personal testimonials from my clients. Most are from recently completed mortgage modifications; however, there are also mortgage loan refinancing clients as well. I take great pride in these success stories and the lives that I have helped improve due to the efforts of my team of mortgage debt-relief specialists. Many of these testimonies come from people who were otherwise 'on the brink' with no way out. Enjoy reading...
- Vivian
Vivian Gaspar offered to volunteer her time and expertise to speak to a group of our clients who often struggle with financial literacy issues. Her presentation was inspiring, interesting and very helpful. Not only did she present useful information (such as a property occupant's rights regarding eviction), but she even provided our disadvantaged clients with free copies of her new book. Vivian wants to help people move forward in their lives, and she shows them how to get there.
Captain Hollie Leonardi
The Salvation Army, Elizabeth, NJ
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Vivian Gaspar the speaker: articulate, committed, straightforward, truthful and most of all passionate. She possesses an uncanny ability to listen, address concerns and will follow up. Truly, a valuable experience.
June Lazaro, – Primerica
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Dear Vivian,
"I would just like to say thank you for all that you have done for my family and myself...First off when we first talked I was looking to refinance my home...But after having a conversation with you, you redirected me to do a loan modification program.
I asked what is a loan modification? You explained this is working with the mortgage company that you already have..We work with the mortgage company to lower your monthly payment to help take the hard ships off you and your family..
Well I thought oh great what am I getting my self into...Vivian I know that you sensed my hesitation and were very clear and throe with all the information that I needed to make a very good sound decision...You gave me information on how the process works and on the lawyer that you work with...
I must tell you that if it were not for you we may have lost our home...Again I want to say thank you for sending me to the best lawyer...and the most caring lawyer...I must let you know that I have continued using this lawyer for all my legal needs..and truly value his service,knowledge, and kindness...his staff is wonderful and very helpful...
Vivian, you have given my family and myself the greatest give of all ,,,,a home....If I had not reached out to you and listened to what you had to say then this would have been the saddest letter of all..but I did and I am so glad that I did listen to what you had to say it was the best advice I have ever had.
I will be sure to let people know of you and the services that you offer...
I will also let them know that you treated my family as your own...
Again thank you,"
Sharon Laurita
West Creek, NJ
"Hello Vivian,
I would like to thank you for all the information you provided us with
in our meeting this morning about the mortgage and loan modification
and how that would apply to our specific situation. I wish someone had
given us this information earlier so we wouldn’t be in this situation
right now. This was a great learning experience for us and not only
will it hopefully help us to get out of this mess but it will also aid
us in making more informed decisions in the future. You gave me a lot
of energy to look forward to the future where I don’t have to borrow
form my mom anymore which at the beginning seemed like a reasonable
solution but as it continued it became harder and harder to have to
ask my mother to help me at the age where I should be helping her.
Thank you for coming into our life."
FR form Fort Lee
"Vivian, you are a gem in the rough mortgage world – a maze of difficult situations, for which you can suggest solutions. You helped us so completely, from the beginning of the process through the end, and your help was based on the best information in the world. You understand your business from the base to the top, you explore many options, and you shared the ‘whys’ and ‘best options’ of the process with us in an understandable and useful context. Throughout, you held our hand so that all decisions we had to make (good and bad) were backed up with meaningful information.
Thanks so much, and good luck helping more people. We need more honesty in the mortgage world, and you are bringing it to us one family at a time."
Donna Cummings
"I want to thank you, Vivian, for helping me get the perfect mortgage loan for me... your help and the mortgage you secured for me was refreshing.... Thank you for your professionalism, your follow through and for answering all the questions I had on my loan. I especially want to thank you for your guidance and for showing up at the closing at my house with the lawyer in case I had any additional or last minute questions. No one has ever done that for me before and be assured, I will tell anyone I know who needs a loan that you are the person to deal with.... I made my first payment after two months of not paying the mortgage, just as you had promised, and I am delighted that I can finally comfortably pay my mortgage each month - thanks to you."
Vikki Anderson
"I want to thank you for getting me through a very rough time. Though we didn't have much time you got it done for me. It's so nice not getting phone calls from collectors anymore. I will recommend you to my clients for prompt courteous service.... It has been a pleasure doing business with you."
Marilyn Kirkella
"I want to thank you for your service in refinancing my home. The mortgage program that you placed me in has helped me lower my mortgage, pay off some debts and increase my cash flow. Even though we do not live in the same state, you were still able to walk me step by step through the process as if we were sitting face to face at your office. I will recommend your service to anyone. I want to thank you again and look forward to working with you in the future."
Marcia Roberts
"I have been working with Vivian for over a year now. Vivian has refinanced my home twice and I am currently working with her on buying an investment property with 100% financing. I also expect to use her in the near future in refinancing my primary residence. In my experiences she has always been very professional and responsive to my financial planning needs. She has been very detail oriented on my files and very diligent in educating my wife and I on each step of the processes. I have been so happy in my dealings with her that I have referred her to both my daughters and my brother-in-law as well as professional acquaintances. Therefore, I believe Vivian is an extremely valuable asset as a partner in solving financial needs through mortgages solutions."
Jorge Leon
JMCL Computers Services
Denville, NJ
