This company is very difficult to deal with. The manner in which they handle the govermental program called "Making Home Affordable (MHA), is a farce. I have yet to speak with a customer service rep who uses english as their first language. Unfortunately this makes for an arduous conversation, often times leading to a serious lack of understanding. Most of the information that you get from these people is incorrect and misleading. Instead of informing a customer that they can apply for this program online, instead they make you wait until they send the info to you by mail. By the time that it arrives at your home you have a relatively short period of time to gather the info and return it to them. After completing and faxing the info to them and after waiting a week for a response, you call them only to find out that the information for contacting the Relationship Manager, Rodrick Epps, is incorrect and he is never available. Not even the extention number is correct. This company should not be in business. It seems as if their intention is to just run you around. If you don't have to deal with this company, don't! If you have a mortgage with them, I would suggest you refinance with someone else.