Posts by Jonathan Ward59

If it were just them
instead of getting some random email

So, I got hit up by some guy calling himself Anthony Floyd
He’s asking for $1,500 upfront, claiming he’ll release a loan right after
The catch? He told me to send the cash to some dude named Gideon over in Ghana
Using Western Union
And once that’s done, he supposedly sends the full loan from Union Bank of Ghana
He sent over an email, a phone number, and some kind of "guarantee letter"
But honestly, I can't get him to back off
He keeps blowing up my inbox—just constant messages asking if I'm going to wire the money or when I'll do it
I actually asked him what the monthly payments would look like on a $30,000 loan spread over 15 years
He said it'd be about $215 and that the whole loan hits my account just a few hours after I pay that initial $1,500
To me, this screams scammer through and through

My sister-in-law works over at Chase
They dealt with a nearly identical mess
someone deposited a massive amount into the wrong account
so they called the guy in to handle it at the branch
he just blew them off—didn't show up—and the teller actually had to cover the shortfall out of her own pocket
she ended up dragging him through this whole ordeal
and from what I gathered, it dragged on forever
she was supposed to file a private lawsuit just to get her money back
whether she actually pulled the trigger on that, I have no clue
but basically, if the funds aren't recovered, the bankers are stuck footing the bill themselves

Yeah, I already bumped them up before
though they’re still climbing—just at a slower pace now

Most branches are already pretty much fully staffed
Honestly, the best move is what m4r3k001 suggested—just grab your phone and call an Austrian firm directly
The only thing I ever heard was that they wouldn't approve loans from areas near the border or parts hit hard by past conflicts
But that was three years ago—who knows, things might have changed since then
As for the fees, I ended up paying 6% plus an extra 1%
That 6% covered everything—lawyers, contracts, translations, processing, site visits, and all their internal overhead—and the 1% went to the broker who handled the whole loan for me
Now, if you want to save that 1%, be my guest and handle the entire headache yourself
Regarding the property itself, mine had an existing lien, but I cleared that right up using this mortgage
It was a smooth process, no issues at all

look,
nobody’s out here trying to bore anyone else to death
it was just some chatter about who actually managed to lock down their loan and who didn't—well, I did
now you lot can sit there and speculate about how I pulled it off or what the terms looked like, because I'm done talking about it
every single loan comes with its own price tag, this one included
I'm not going to air my private business just so you all feel satisfied
the reality is simple: those loans were being handed out back then, and they're still being handed out now
just like how a certain number of Americans managed to snag foreign loans
it seems like that's none of your business—it's theirs

Just wanted to jump in here
I’m not really one for broadcasting how I secured my loan or the specifics of the process
The fact is, I got it—plain and simple—and I have the signed contract from the Bank to prove it
It wasn't even a massive struggle, honestly
As for people saying brokers are illegal... I don't buy that. Some are actually helpful, while others just take your money and run, sure, but you can't paint them all with the same brush
If you're asking about the cash, I didn't lose any money, nor did I hand any over upfront
I just spent a long time waiting for it to actually land in my account

It’s about people working at an agency
and I actually found them because a coworker told me they helped her clear up her credit issues too
so I reached out

Honestly, I feel like I'm wasting my breath answering these questions
I'm typing this out now, but consider this my last word on the matter

Vilenica—look, if you don't find me convincing, don't expect me to sit here and lay out every single detail for you publicly
Just forget about it

When it comes to foreign mortgage loans, any sane person would realize a mortgage is required—it's obvious how the bank secures itself
The fee is 6%
Interest is at 7%—and why I chose that specific loan is my business, period
If you can walk into a bank here in the States and snag a lower rate with a longer term, then go ahead and stop interrogating me about my choices

As for income, you don't actually need to be working in that country; all the paperwork gets notarized by our local notary, and all the contracts are drafted by our lawyers—just like any other loan, everything is perfectly legal
It’s common sense that you can't just stroll into some random bank overseas and demand a loan
You won't get it—which is exactly why I told you there are brokers involved who act as the bridge to the bank

If you think this whole thing is some kind of scam, then why are you even asking these questions in the first place?
Go solve your problems here in America with a better rate and a longer term instead

I managed to pull it off
A lot of you seem to think you can just walk into a bank by yourself and walk out with a loan
But yeah, it doesn't work like that
, it didn't work for me either
which is why I ended up going through a broker
There are plenty of people out there with loans abroad, but it’s not a guarantee—tons of them get rejected outright

That’s exactly why those brokers exist—they work with them, and honestly, that's who you should be talking to
And if anyone actually thinks they can just stroll into a bank alone
well, good luck to them, I guess

It’s no secret what the interest rates look like—I’ve already laid it all out right here
What else do you want from me? Should I just post my entire signed loan agreement
so you can all take a look?

It’s all laid out right here
in the posts

What’s the damage
on getting a loan?

That previous post was actually talking about that new law that kicked in on 01.01.
If you actually have to transfer wages
I handled it—used an intermediary, traded some real estate, and ended up with the cash
I didn't have to move my paycheck anywhere at all

Just wondering how much lead time they need to process everything before the pay hits their bank accounts?

I did a little digging, but I couldn't find anything on their actual websites regarding what the loan requirements look like for us
except over at Chase, where they mention that foreign nationals have to have their income deposited directly with them.

I couldn't manage to snag a loan on my own
so I ended up going through a broker instead
and honestly, everything went through without a hitch
they don't make things difficult like they do back home here in the States
though they are definitely more cautious about the details
if anyone actually cares to know how it works, just shoot me a DM

Karen Rodriguez4 said:So, I was reading that mortgage rates overseas are sitting somewhere around 2%, while here in the States they’re hovering closer to... what, 8%? That’s like four times higher—which is just wild. Honestly, it feels like it would be such a no-brainer to grab a loan abroad just to pay off this whole "green energy" mess we're stuck with, you know? Just to have a much smaller monthly payment to worry about. I mean, I guess I’m not entirely sure if those 2% rates are actually real right now, though... Does anyone here happen to know the deal? Anyone got any actual experience with getting loans from outside the country?

I ended up taking out a loan abroad at a 7% rate
since I've been staying on top of my payments, they dropped it to 6.35%
and they even mentioned it’ll go down again eventually
if things get tight, it's way easier to negotiate with them than with our local banks
they don't start breathing down your neck with notices the second you miss a beat—they actually show some common sense
either way, it's better dealing with people overseas than with the crooks we have here

Even looking at rates abroad, they aren't actually that high
I’ve seen interest rates overseas sitting around 6.35%
I’m definitely not considering taking out a loan here just to pay off one over there
It makes zero sense
The banks here in the States—they’ll just skin you alive with those interest rates and every other ridiculous fee they can dream up

There are people out there charging upfront fees for "processing costs" or some other nonsense
that’s an immediate red flag for a scam

Then you have the loan brokers—they operate entirely on commission. They’re basically linked to some guy in the States who works directly with a banker, and they just hand over the paperwork
but let's be real, they only actually push through about one out of every ten applications
Not everyone gets approved. The Austrian Central Bank knows exactly how messy things are here in the US, and they take advantage of that
They only greenlight the ones they want to see pass

As for the Federal Reserve Bank of Richmond, I doubt anyone is actually getting official certification for their representatives
because out of that whole crowd, only one person in the entire country has actual documentation proving they represent them
That’s the guy working side-by-side with the banker, though even he has his own little circle of associates
Unfortunately, there's no paper trail to prove it

But look, if the loan actually goes through, everything is legitimate—no shady business involved
You get all the paperwork, the contracts, everything translated and notarized
just like how we do things here in the States

Feel free to shoot me a DM if you have any questions about how that loan works
I actually pulled the trigger on one for myself—and helped a good chunk of them get theirs too.