LAUREN M. BULL
6300 SW 188th Court #40, Aloha, OR 97007
Contact Phone: 971-275-7847  •    Email: Lauren@thebulls.net



RE; Denny Miller-, Metro Home Solutions

To whom It May Concern:

If you are facing the foreclosure of your home and need help to get out of this stressful situation, Denny Miller is your Answer.

Over the past six months, I have encountered hardships I never thought would touch my life. After ending a two-year abusive relationship, filing bankruptcy, undergoing screening for cervical cancer, losing a job and spending a week in the psychiatric ward of St. Vincent's hospital after suffering a nervous breakdown, I also faced the reality that my house was in foreclosure and I would soon have no place to live. The home of my dreams had turned in to a nightmare of financial difficulties and disrepair. I thought my only option was to hand the deed for my home back to the bank and live with the stigma of foreclosure on an already damaged credit report.

As you have probably experienced yourself, I received a slew of mailings from people claiming the ability to save my home from foreclosure. I'd made a few calls to the senders of these mailings, only to have my calls go unreturned when they realized the amount due on my mortgage. After receiving two mailings from Metro Home Solutions, I figured I didn't have anything to lose by calling this obviously interested company and I picked up the phone.

The phone call to Denny Miller saved my home from foreclosure and changed my life. From the beginning, Denny was straight forward about the process of offering a short sale to the bank, about my responsibilities, and about possibility that the bank would reject his offer. He kept me updated on his communications and the status of his offer. Above all else, he was compassionate and understanding about my personal situation, my tenuous emotional state and the damage that had been done to my home. He was supportive and optimistic, and made this process smooth and simple.

I've always been told that God never gives us a load we can't bear. I've recently questioned that theory but I know some of my many prayers were answered when I met Denny. Metro Home Solutions kept me from having the scar of foreclosure on my financing record and Denny helped me to believe in myself and the goodwill of others again. I would recommend to anyone facing financial difficulties surrounding a home to put your trust in Denny Miller. He is a Godsend to me and I know he can help you too.

Sincerely,


Lauren M. Bull

Melinda K. Gieszler
12872 SW Thunderhead Way Beaverton, Or 97008
(503)643-5406



To whom it may Concern:

    I just want to say that I highly recommend Denny Miller to anyone who is experiencing Foreclosure on their property. I had worked for a company who filed Bankruptcy prior to 9/11 and was laid off. As a result of 9/11 I could not find a permanent job until 2004. I had less than a month until my house was foreclosed on. Denny made it possible to have cash in my pocket and no foreclosure on my credit.

    From our first conversation I felt like Denny had my best interest at heart. He worked very hard at making this deal happen, even when I was very confused and a little skeptical of the whole process. But he helped me through this, now I can move on with my life without this cloud hanging over me. If you are in the same situation and need help with a foreclosure I strongly recommend you call Denny. It was a pleasure to work with him.

    Please feel free to contact me with any questions or positive information about Denny Miller.

Sincerely,


Melinda K. Gieszler

To Whom It May Concern:

    Denny Miller of Metro Home Solutions recently was instrumental in purchasing our home to avoid it going to foreclosure. Due to some circumstances we needed to sell our home. When it did not sell, we went into bankruptcy to resolve the issues.

    Mr. Miller presented a professional and reasonable solution for all parties involved, working with the mortgage companies to resolve the problems. He was professional and understanding at all times. We appreciate the assistance he provided to us at this time in our lives.

Sincerely,

Roger and Judy Kling

To Whom It May Concern:

First, I would like to say that I would highly recommend Denny Miller to anyone who is struggling with a foreclosure or any other home-oriented financial difficulties. For example, I had just undergone a testing divorce. This involved a lot of financial hardships, leaving me with my personal home and a duplex in foreclosure. Things looked grim. Then Denny came to my rescue. He was able to provide the money in order to stop the foreclosure on my personal home, which he now has an option on, plus buy and stop the foreclosure on my duplex. This made it possible to continue living in the neighborhood of the local high school for my daughter's upcoming graduation.

Denny is extremely knowledgeable and hard working, making even the impossible work for the homeowner's advantage. Denny will put in the time and effort to make it work. He is, by far, the most qualified and successful Real Estate Investor I have come across.
Equally important, Denny has a heart. He is personable, caring, honest, and sincere, always remaining optimistic. Denny has the ability to show others that the cup is half full, giving them hope.

As mentioned, he is one that made it possible for my family and me to stay in our home through one of the most important events of my daughter's life, her high school graduation. It was an emotionally difficult time, and I can not imagine moving away from the area during this time. Also, my son was away at college, and Denny's help made it possible for him to come home this summer to work and visit his old friends from the only house he can really call home. Denny is a true lifesaver.

Sincerely,

Gerald K.

Denny-

I want to thank you for all your help buying out the mortgages for my house on 18th Street in Salem.

I appreciate your sensitivity to my feelings, understanding that this was a difficult time, financially, and emotionally as well. Your listening ear and patience was greatly appreciated!

You made the whole transaction smooth, understandable and painless. I was really impressed how you went out of your way to accommodate me, in whatever I needed to move out and move on.

Even the paper work was minimal and clear!

Thank you, Denny! I won't hesitate to refer your services to anyone in similar circumstances.

Sincerely,

Patti Wroblewski

C.L. THAMES
P.O. Box 1727
Beaverton, Oregon 97075
503-590-5998 (Office) 503-484-8133
Claytha1@verizon.net


TO WHOM IT MAY CONCERN: REFERENCE; Letter of Recommendation

Denny,

    It gives me distinct pleasure to write this letter to you as a reference to any person (s) who might find themselves in a similar situation to that which I found myself approximately 1 year ago. As you are aware, I am a small business owner and due to some extreme financial situations that I found myself in, I had exhausted all of the options I had available to me. I had filed a Chapter 7 bankruptcy and was being threatened to have foreclosure on my home.

    In less than 1 year from the date that you and I started our professional relationship, a new buyer has purchased my home and I am no longer responsible. I recommend Mr. Denny Miller to anyone who might find he or herself in a similar situation that I found myself almost 1 year ago. In dealing with you they can be assured that they will be dealing with an outstanding person who is low key and a total professional.

Sincerely,

C.L. Thames

612 N. Cascade Dr., Space 82
Woodburn, OR 97071
(503) 982-8708

To whom it may concern:

This is to highly recommend Denny Miller and Scott Gastineau.

I contacted Denny in a time of need and great confusion. I had been served with foreclosure papers and was not in a position financially to stop this action. I knew my sister and I would lose the house that had been in the family for more than 50 years, but we had nowhere to relocate and no finances to fund a relocation.

I dealt with many creditors who were rude and treated me with disrespect. It was a leap of faith to seek help, knowing that some people might want to take advantage of my situation and leave me with nothing.

I left a message for Denny, and my call was returned within 15 minutes. From our first conversation, I felt that Denny was working with me and had my best interest at heart. Denny and Scott more than went the extra mile for me and my sister. They stuck with us through dealings with the bank; assisted with our move, helping us find a place to live that matched our needs; and treated us like worthwhile people who deserved a chance. Scott and Denny are truly angels who were sent to us in our time of need.

If you are in a situation where you need help with a foreclosure or loss of property and you have called Denny Miller, I strongly believe that you have made the ultimate decision and that your situation will improve from here.

Please feel free to contact me or my sister, Pam Burt-White, for more positive information about Denny and Scott.

Sincerely,

Kathie Hande

     Our home was going in to foreclosure with judgments against our property. We needed to have some money out of our home as well as the judgments against us taken care of.

    This home had a lot of strings attached to it. Where other real-estate agents & brokers told us they could not help us & the home would go in to foreclosure.

    Denny stepped in took over & three months later. Our home was sold, our judgments paid & we ended up with cash in hand.

    Thanks to Denny Miller our family was able to pick up and move on with a fresh start.

Thanks Denny!

April O.

Dear Mr. Miller,

    Thank you for your kind offer. My home is now out of foreclosure & my payments are up to date. I had a terrible winter because I lost my 21 year old son in a car accident recently. I am single and self supporting and my grief took its toll emotionally & financially. But I am getting back on my feet. Thank you again for at least offering a way out if I needed it.

Phyllis M.

495 Hovenden Ct. S.E.
Salem, OR 97302

To Whom It May Concern

I am writing this letter to express my appreciation for the excellent way in which Denny Miller, through his real estate investment company, conducts his business. I have been involved in several transactions over the past 2 years with Denny, and with the complete confidence that he will follow through on his commitment.

Now retired, I worked in banking for 35 years, 25 of which were as a loan officer. I am very conscious of the need to have a lender/borrower relationship that is one of integrity and trust. This has been demonstrated in my dealings with Denny. It is reassuring to know that my money is secure in the transaction, and that I will be kept informed of its status.

In addition, Denny makes a point of being courteous, forthright and pleasant while still attending to the business of making sure the transaction is brought to a successful conclusion for all concerned.

Please feel free to contact me at the above address, or by phone at (503) 364-9361 or email at: barbbill@org.com.

Sincerely,

Bill Nelson

To Whom It May Concern:


    I am writing this letter to recommend the services of Denny Miller and Will Parker. My husband and I started a small business 2 ½ years ago and last year we realized we could not continue to afford our mortgage payments. We immediately placed our home on the market and 8 months (and 2 realtors) later, It still has not sold. We were receiving solicitations daily from people who claimed they could help us out of our situation, along with threats from our 1st and 2nd mortgage holders. It was an unbelievable stressful situation.


    Then one day, we received a flyer from Metro Home Solutions. After reading what their company could offer us, I immediately called. Denny and Will met with us the next day, and I was impressed with their professionalism and honesty. They thoroughly lined out the process we would be undertaking, along with an estimated time frame to accomplish it. I felt very comfortable working with them, and Will was always in touch with me to update our progress, which seemed to be moving smoothly. Unfortunately, about 8 days before our closing, my bank stopped communicating with Will and the Staff at Metro Home Solutions. He worked desperately to get the negotiations started again, but they would not budge. Our home went into foreclosure soon after.

    Even though ours was a very unusual situation, I would highly recommend Denny, Will and the staff of Metro Home Solutions to anyone who finds themselves in similar circumstances. You can be assured that they have your best interest at heart, and will treat you with respect and honesty.

Sincerely,

Sandra Yates

To whom It May Concern:,

    I was unfortunately involved with a real estate transaction that, unbeknownst to me, was involved in a foreclosure situation for the sellers of the property in question. Upon learning of this situation, we felt that we would not be able to purchase the property in question. In an effort to try to salvage this transaction, my realtor brought in Denny Miller, from Metro Home Solutions, to try to negotiate a solution to our problem.

    Although these are very difficult situations, I truly feel that Denny was able to put us in the house, where as we would not have been able to without his help. He was able to come to a solution that both was satisfactory to the sellers and attained our goal of buying the property that we desired. This process was not easy for any of those involved, but Denny did a vary good job of keeping us up to date of all developments and continually pushed to get this done in a timely manner. This not a business environment that I am knowledgeable about, I trusted fully Denny’s grasp of the situation and the parties involved.

    For anyone who may need help in the realm of facilitating a difficult real estate transaction, I would whole-heartedly recommend Denny. I truly believe that he has the expertise to help those who are faced with a difficult financial situation.
 
Sincerely,

Brent M.

To whom it may concern,

I would like to take this opportunity to express my complete gratitude with the integrity and professionalism displayed by Denny Miller and his investment company.

Two years ago when I decided to buy a house. I knew absolutely nothing, other than I wanted to be a homeowner. I was not in a position financially to qualify for a home loan.

Denny Miller gave me the opportunity to work toward purchasing a home by setting up a lease purchase program. Mr. Miller always maintained a completely up front and honest relationship with me. Something that is not easily found in today’s society and above all else, that is what I will remember down the road when it is time to sell or refinance. The process was simple and easy and allowed me to make payments toward the home while making the financial changes necessary to complete the purchase. The experience was easy and wonderful and now I am a homeowner.

Words alone cannot express how grateful I am to Denny miller for all he did to get me into the house I now call home. I will highly recommend Denny miller to all my friends and family who have home purchasing needs.

Sincerely,

Patricia A

To whom it may concern,

My wife and I as first time home buyers were a little leery about not going through a recognized real estate agency, Denny however very quickly put our minds at ease. His outstanding knowledge of not only the real estate business but also of the property itself became readily apparent.

We were also struck by his openness and honesty; on the rare occasion that he didn't immediately have an answer to one of our many questions he would immediately find us the answer. Denny also in his capacity as mediator between us and the seller went out of his way, even at cost to himself, to ensure that we both got exactly what we wanted out of the transaction.

My wife and I would whole-heartedly recommend working with Denny as he is not just a consummate professional, but also something even rarer an honest, caring businessman.

Sincerely,

Gary and Christina Parker

To whom it may concern,

    We recently bought a home from Denny Miller. His ability to purchase the house we were living in, along with his willingness to structure terms that made us happy were great!

    Our situation was owning a home that needed to be sold before our new purchase. His ability to purchase our existing home at a price that was very reasonable, not only made the buying of our new house possible, but quick and easy for us. For us, the thought of selling our home while we were still living there was overwhelming and unpleasant. We were able to bypass all that.

   Denny was able to address and take care of our concerns for the purchase of the new home and the sale of the other.

    So overall we are very pleased with our experience with Deny and of course our new home. He was honest, considerate and fair with us. We would recommend him to anyone looking to purchase one of his houses to anyone with a special situation.

Sincerely,

Dan & Heather L.

                                                                                                                             
Letter of Recommendation for Denny Miller

    We met Mr. Miller at an open house he hosted for a home that was up for auction. There was a round robin bid later that evening. He was very organized and professional in his presentation. We ended up winning the bid for the home at $20,000 - $30,000 below market price. He had prevented the homeowner from foreclosure.

    Denny is personable, bright, optimistic, and prompt, attends to details, organized, professional and put us at ease. Mr. Miller promised a buying process incorporating integrity, upon which he delivered. He was a pleasure to do business with in purchasing this home. We would do business with him in the future.

Sincerely,

Steven and Marlene Malone
Portland, OR

Dear Friend,

I would like to introduce you to wonderful person. Someone who helped out of our difficulties of selling our home. We recently needed to move from Oregon to Florida due to a job offer that my husband couldn't refuse. We consulted a real estate agent with the prospects of selling our home. Because we were in our home for a limited time, we had no equity built up in the home, regardless of all the improvements we had made. With the real estate costs, and the time required to sell our home we would've paid at least $6000.00 out of our own pockets if the house sold.

We also checked into selling the house on our own, but much to our dismay we found that homes for sale by owner were sitting unsold for 6 months to a year longer than if you were to sell by realtor.

We were very frustrated and out of options due to my husbands company wanting him to begin working by May 21. We were running out of time. Then Denny Miller came to our rescue. We were introduced to him through a mutual contact and began negotiating options immediately. It was wonderful to work with someone that was so knowledgeable and kind and seemed genuinely interested in solving our problems. He drew up the necessary paperwork and handled the transition of our house, without any hassles.

The entire process didn't set us back financially and in feet we broke even, when we would've lost all we gained had we gone another way.

I hope you consider Denny for the sale of your home. It will not only be a pleasant experience but you will have gained a reputable friend in the process. We hope you will enjoy your experience with him as much as we did. If you have any questions or would like a verbal reference please feel free to contact us.

Sincerely,


Maria Gastineau

To whom it may concern:

    We met Denny Miller 21/2 years ago whole looking at one of his homes which we wanted to purchase. We couldn’t purchase hat particular one, so Denny worked almost on a daily basis to find us a home we could afford.

    We didn’t have much money for a down payment and we couldn’t afford a high house payment. Our credit wasn’t real good, so we had a lot of down falls for building a first home.

    We had been turned down by every bank, mortgage company and private owner you could think of, but Denny did not care about all of that. He was strictly concerned about what our needs in a home were and what exactly we wanted.


    It was important to us to have a fenced yard for our daughter, enough property for my husband to run his business, big enough to hold all our stuff & be able to live strictly in Oregon City. We wanted all that, but not the high price.


    Finally on August 23rd, 2002 he found us a home not only that could afford and exactly what we wanted, but in the area we wanted to live.

    Denny Miller is the best thing that ever happened to us. He is a very kind person and really cares about his clients. He does not give up helping someone if the first attempt fails. He fought for us every step of the way.


    When we sometime in the future decide to sell for a larger home we would go through no one else but Denny Miller.

Sincerely,

Curt, Stacey & Mahayla D.

To Whom It May Concern:

    After joining the real estate club I met Denny Miller who encouraged me to continue or pursue my interest in real estate investing. Having attended about a dozen or so meetings and read several books and articles on real estate and investing I was contacted by a seller who was about to face foreclosure. Since this was my first call, I did not know where to begin. At our next meeting, I asked Denny if he would be willing to help me with this transaction. Denny agreed to look into it further and let me know if it would be feasible.


    After a few days we both agreed that this would be a doable deal, and Denny took over from there. He contacted the seller, the lender and the lien holders and began negotiating the best way possible for everyone involved. A few months later, the seller got what he wanted by having the property sold and not have the stigma of foreclosure. The seller also was able to get a new piece of property with Denny's help. This transaction turned out to be a Win Win situation for all involved, the lenders, the seller, the buyer of the original home, a new beginning for the seller, for me and for Denny.

    I look forward to the possibility of working on more investment deals, and to maybe working with Denny Miller on further deals.

FAIRFIELD FINANCIAL SERVICES
established in 1964


To whom it may concern:

On two occasions, I have had the pleasure of placing and servicing private-money loans on investment projects for Denny Miller, in-my business, when you provide funding to a real estate investor, it is very much like entering into a partnership with that individual, as it is necessary to work closely and effectively, many times negotiating a number of tricky issues along the way.

Denny Miller is the consummate professional, and I would be pleased if I could grow old doing business with a handful of clients like Denny. Denny embodies the following qualities and characteristics:

        • Denny is always direct and honest in his communications.
        • Denny lives by his commitment. If he tells you that he will do something by a certain time           and in a certain way, you can depend on  it.
        • Denny is open to critical input and listens rather than become defensive when a critical            issue is raised.
        • Denny understands the value of relationships and knows that relationship building is a key            to success in the world of real estate  investment. He is always fair with those who assist            him.
        • Denny is a gentleman—something you don't see very often these days.

The point that I am making should be dear. If you have an opportunity to do business with Denny Miller, and the transaction makes sense to you, don't pass on it. It is not likely that you will regret the association.

If you have questions, please feel free to contact me at
503-348-7011.

Sincerely Yours,

S. Clay Sparkman
Vice President

FAIRFIELD FINANCIAL SERVICES
BRANCH OFFICE 1522 N.W. 24th .PORTLAND, OREGON 97210.
CONTACT S. Clay Sparkman    •    PHONE (503) 348-7011
FAX (503) 241-4903    •    E-Mail spark@teleport.com
WEBSITE www.altFUNDING.com

Salem, OR 97302

Dear Denny,

Just a short, type-written “memo” to thank you for the chance to visit with you and meet your partner, Will, over a nice lunch. Also, gave me the opportunity to meet your staff and see the office. You have certainly made some progress over the past 2 years or so.

Great work and I look forward to continuing our relationship.

 I’ll be preparing a reference letter shortly for use with potential clients. I’ll mention my banking experience which may help clients to know that I deal only with top notch credit worthy borrowers!

As mentioned when I was up, I have some funds available at this time, up to $50,000.00 for investment. Give a call if you have a deal.

Best regards,

Bill Nelson

Dear Denny,

I just wanted to take a moment and thank you for all of your help in learning to invest in real estate projects. I received a check today from First American Title for the loan I made to Roberta. The transaction was a complete success for all involved.

I look forward to many years of mutually beneficial business. Please feel free to call me concerning any future projects.

Sincerely,


David Nelson