This started, in 2009, with needed home repairs for our home. We contacted Belmont Builders Inc. to be the contractors to do the repairs for the home. They remodel our kitchen, basement and back porch. It was done with the all cheapest material, nothing resembling the picture on their website. They somehow rebuild the whole back porch without redoing the roof of the porch. The wood is bowing, splitting and beams are not supporting the structure. What I don't understand is, how they were able to get a permit, and the structure pass an inspection. I assuming they had a permit; because they were able to get a lien against the home. In addition, the contractor, Belmont Builders, provided the financial company, Hammer Financial Corps, to get the loan. In short, the contractor gave services equivalent to the full amount of the equity loan, totaling in approximately $75,000.00; however, We never received any of the money and the contractor has a mechanic's lien on my home for unpaid services in the amount of $27,500.00 by Belmont Builders. Also, the money from the loan was all deposit into Hammer Financial Corp bank account and no money was every returned to us; however, we am still responsible for the total amount of the loan and we have been paying on this loan to the present.