:confused: I recently fell victim to a scam I had never heard of. I put 20K down on a house finanaced through the owner which was Hometown Real Estate. They did all the work and I closed within a couple of weeks. This was last December. I was 12 days late on a payment, which I called in to clear with their secretary and then received a letter stating that I am no longer an owner but a renter because I was late and that is a default. I called the owner which is Billy O'Neal and was laughed at. He said my little 20k was nothing to him and I didn't know who I was messing with. I looked up the company on the state business registry and it doesn't list him as the owner. The company has several website and only will give you a p.o. box not a physical address. HELP!