I came to Nationstar not by choice, but by default. My husband and I attempted to refinance with Citimortgage way back in May of 2010 and were denied every program basically because we're middle class--we either made too much or too little to qualify. Then they had us apply for a loan modification and if I knew at that time what was going to happen, I would have just walked away from the house regardless of how much I'd have to pay in taxes. First, it took six months for the paperwork to be finalized because EVERY single time we sent... read full review »