My mortgage is with Ocwen. I agree with the frustration with the outsourced call center staff. They really are quite useless. Now you have to remember, this is a Native American owned company and they are out to do nothing but make money. Because of their Native American status, they are not subject to a lot of the rules other companies would be. I too have tried a loan modification 3-4 times. Each time I'm denied because of some loan to income ratio not being exactly 30%. I'm sure if I could get the paperwork to show that, then... read full review »