Advice to potential companies and clients:
Kristine Calvaresi (Home Savings of America) is not a person to be trusted with any of your sensitive information. She submitted false information on a loan application in 2010 (verified) and obtained company financial information for the purpose of posting on message boards. This individual claim to be a community banker with First National Bank and other financial institutions.
From our dealings with this person, we question her legitimacy. How is a person able to process mortgage for others and at the same time is applying for a loan with many on-line companies? If a person has bad credit, they should not be handling other person's financial information. The mortgage companies that she is representing should better screen their agents in order to protect clients.

Damn straight this person is a crook! She is a complete fraud and the only things she actually does is help people lose their homes and their money. DO NOT TRUST HER!