Program HR 3648 Answers "Seven Red Flags" Blog and Corrects Misinformation About Program HR 3648 and it's Free Foreclosure Avoidance Help for Homeowners

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In the past year, Program HR 3648 has quadrupled its agent and broker partners nation-wide. Program HR 3648 has assisted agents and brokers help for free over 3,400 homeowners avoid public foreclosure while helping to increase agent and broker commissions by over $35,000,000.

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Program HR 3648 is Federal S.A.F.E. Act compliant and meets the new MARS guidelines for disclosure issued by the Federal Trade Commission

Program HR 3648 announces its official response to the “Seven Red Flags” Blog. Jeremy Bowman, Co-Founder and President of Program HR 3648 states, “Sometimes, in order to protect the thousands of homeowners and real estate agents and brokers we serve, it becomes necessary to provide an official response to gross misinformation that has been publicly posted by those who appear to have hidden agendas as well as an apparently reckless disregard for the truth.”

Program HR 3648 is pleased to announce that within the last year, it has quadrupled their agent and broker partners, released “Version 2.0” system updates and improvements, which have dramatically impacted the way agents and brokers are working short sales all over the country. Program HR 3648 has also assisted agents and brokers in helping over 3,400 homeowners avoid public foreclosure, and in the process helped it’s agent and broker partners secure over $35,000,000 in real estate commissions.

Members of Program HR 3648 do not pay a monthly “fee”. Members are provided exclusive leads of homeowners who are most likely behind on their mortgage; over eighty-five percent of the homeowners provided will ultimately have to short sale their home in order to avoid a public foreclosure. There is no contract for agents and brokers; the Terms and Conditions is month to month. There is no telemarketing involved with the Program.

Additionally, Program HR 3648 not only meets appropriate licensing requirements where needed, but it also complies with the Federal S.A.F.E. Act and meets the new MARS guidelines for disclosure issued by the Federal Trade Commission.

Woods Davis, Vice President of Marketing, adds, “We greatly value informed feedback about ways we can improve and better serve our homeowners and partners. On the other hand, deceit that is publically posted and irresponsibly veiled as credible, if left unanswered, can potentially undermine the honest work of the thousands of Certified Program HR 3648 Specialists throughout the country who are providing free help to homeowners in desperate need.”

It is Program HR 3648’s hope that this press release helps provide clarification to homeowners and real estate professionals throughout the country who are seeking legitimate and credible help or services from Program HR 3648.

Bowman is grateful to all the hard working and honest agents and brokers who are spending their time helping people who need it. He states, “We are very grateful to all the Certified Program HR 3648 Specialists and for all the good they are doing by offering free help to homeowners while they’re going through one of the most difficult times in their lives. Program HR 3648 currently has CPSs serving homeowners in almost every major county in the country. Every CPS is a licensed real estate agent or broker.”

You can listen to many of the grateful homeowners who have been interviewed about their experiences with Program HR 3648 and their CPS by going to the Homeowner Interviews section of

If you feel you need further clarification on Program HR 3648 or it’s services, you can go to or call Program HR 3648 at 1-800-915-1988. To read comments about Program HR 3648 from agents who are actually part of the Program HR 3648 community, including the #2 Coldwell Banker Agent worldwide, Jay Kinder, go to the Program HR 3648 Members Feedback area of the site. You can also review actual homeowner, agent, and broker comments by visiting Program HR 3648’s official Facebook page - Program HR 3648 Official Facebook Page

Cindy Thompson
Administrative Director


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Jeremy Bowman

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