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Testimonial #1


Dear Denise Thomas:

First and foremost, I would like to thank our Lord and Savior, Jesus Christ, for hearing and answering our prayers by giving us our home back.

Our ordeal began in November 2009 when we could no longer afford our mortgage payment. Like many home owners, we turned to our bank for assistance and entered into the Home Affordable Modification Program (HAMP) trail period, which was suppose to only be three months. We made six faithful payments as required each month only to be told that we were terminated from the HAMP trail period because we failed to return the final package, which was not true. Then the bank told us the most horrifying news anybody could receive, they had started the foreclosure process on our home. The only way to save our home was to come up with the full amount of the loan and attorney fees.

We were left alone and no one to turn to for assistance. Yes, there are a lot of programs out there designed to assist but you have to pay big bucks up front before they can help you. They all promise they can get your home back but in the end, you are still without your home and money. Well, our home sold on Friday, November 12, 2010, at approximately 9:00 AM, and prior to the sale we tried everything to stop it. We were unsuccessful. So, we turned to God for help, fell to our knees and began to pray for our home.

The Lord answered our prayers by sending us Denise Thomas of Operation Reach. Once Ms. Thomas took our case, she worked tirelessly in getting our home back. She fought those big government agencies relentlessly on a daily basis. She never took “No” for an answer and when they would close a door on her she turned around and opened another. Because of this ability, we got our home back in June 2011.

Thank you Denise Thomas for what you have done for us, God has truly blessed you with a great gift to help those in need. We will continue to pray for you and your company that you may prosper and grow so that you will always be there for us.


Original signed by


Testimonial #2

Operation Reach has proved again that it is more than possible to regain ownership of your home after foreclosure!

Here is a great example of what Operation Reach does for homeowners who have lost their homes to foreclosure. Ms. Karen Mena, of San Bernardino, was recently featured in the LA Times because of her difficulties with the loan modification process which resulted in foreclosure of her home. Ms. Mena contacted Operation Reach, wherein we quickly identified the errors made in her foreclosure, which we pointed out to both her lender and her investor. The process to get her home back took over a year to complete.

Please click on the link below to read her story.


"Thank You" Letter

Recession of Foreclosure

Testimonial #3


From: Teresa Charles

Honorable Barney Frank
United States House of Representatives
2252 Rayburn House
Office Building
Washington, D.C. 20515-2104

Dear Honorable Barney Frank:

It has been and extreme pleasure to work with Denise Wilhite-Thomas and Operation Reach. Mrs. Wilhite-Thomas is a consummate professional. Operation Reach demonstrated an innate ability to mediate my loan modification with Countrywide Financial Corporation. Their prompt and outstanding service on my behalf was immeasurable. Operation Reach's presence is an asset to the community for homeowners that are in jeopardy of losing their homes.

Because of their sincere desire to meet the needs of their clients, they faced the most grueling challenges when interacting with oftentimes inflexible negotiators. Their extreme knowledge in lending practices, excellent negotiating skills, capability of formulating tactics, and attention to detail allowed for a speedy and quick response from the lender on my behalf. Both the lender and I were completely satisfied.


Teresa Charles

Testimonial #4

Arnett Family

From: Arnett Family (Wachovia Bank Home Owner Loan Modification)
To: Operation Reach
Re: Thanks to Operation Reach

To Whom It May Concern:

I write this letter with great thanks and gratitude to Denise Wilhite-Thomas at Operation Reach on behalf of my mother. I was referred to Operation Reach by a mutual friend, but at first was hesitant to work with this company on word of mouth alone. After my first conversation with Denise and giving her a synopsis of my mom’s situation I felt confident in her ability to get the job done. We were at a point where we didn’t know quite what to do and no other financial institution up until this point was able to assist us.

Denise picked up the pieces where we had no expertise and served as the liaison between my mom and Wachovia. Let’s just say "she hit the ground running".

Because of Denise’s knowledge of the business and her strong negotiating skills she was able to get my mom’s loan modified to a rate that was suitable for her needs. My family and I are grateful for people like Denise who know the business as well as care about their clients needs and we appreciate her assistance and the quick turnaround that the overall process took.


The Arnett Family

Testimonial #5

Wells Fargo Home Mortgage

From: Wells Fargo Home Mortgage
To: Operation Reach
Re: Operation Reach Presentation

Denise: Thank you for your confidence and support! It is a pleasure to know that Operation Reach is helping our SF community and surrounding areas!

Todd: You are a true asset to the SF Police and Firefighters Association! Keep up the great work!

Wells Fargo Home Mortgage

Testimonial #6

CHASE Homeownership Center

From: CHASE Homeownership Center
To: Operation Reach
Subject: Re: Big Thank you

Thanks for inviting us to your "Helping Those Who Help Us" home retention conference. It was interesting to know our protectors (Police and Firemen) need help in the same way we need them. Best of luck with your affliations and efforts with this part of our community. They need you. Thanks,


Testimonial #7

Operation Reach - Thanks to Operation Reach!

I write this letter with great thanks to Denise Wilhite Thomas at Operation Reach on behalf of my wife, Paulina Garcia. We were truly blessed when Denise Thomas of Operation Reach began to work on getting my home back to my family and I after it was forclosed and sold on April 20th 2010.

I was referred to Operation Reach by Edgar Nuflez, a mutual friend. We were at a point were we had spent a lot of money with two other companies who only took our money but did not deliver any positive results, didn't know what to do and no other financial institution up until this point was able to assist us, because of Denise's knowledge of the business and her strong negotiation skills she was able to get our house back.

My family and i are grateful for people like Denise who know the business as well as care about their clients needs and we appreciate her assistance and the quick turnaround that the overall process took.

Thank you god for placing Denise and Edgar in our path, for they were like angels who came to our help when we were most troubled.

After a year of treatments my wife is cancer free and we are back in our house.


David, Paulina, David Jr
The Garcia Family

Testimonial #8

Office of Thrift Supervision - OTS Ombudsman

Ms. Wilhite-Thomas,

Thank you for contacting my office. I know you are frustrated with the lack of efforts by the banking industry with assisting consumers. This is a follow-up to our conversation today on some of the points we discussed.

X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X . But the debate continues with each individual case.

Regardless, your work provides you a unique perspective to see what is not being done by banks on loan modifications and what best practices should exist. As I explained, OTS investigates individual consumer cases to determine compliance with federal regulations that we enforce, however, we do not get involved with individual business decisions by the thrift, which is often the case with loan modifications and/or foreclosure situations. You could assist us by sending me general information on the issues you have seen in dealing with X and I can forward the information to our Supervisory group to review as they regulate the thrift. Notwithstanding, Operation Reach"s experiences may help us to look for patterns or practices in an institution that might be hurting consumers.

Again, I understand your frustration. I will pass along your concerns to those here at OTS. If I hear of any other avenues that might help you and the consumers you are assisting, I will pass along that information as well.


Anita Tyndall
Acting Ombudsman

Full Testimonials Available upon Request.



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