We hired this company when we knew we were going to have some financial hardships that would make our mortgage late & our bank wouldn't work with us. We'd never been late until that point. SMHUSA agent told us to quit paying the mortgage or we wouldn't look like we were in a financial hardship. We paid $1500 for them to negotiate a modification for us. 90 days & a milltion phone calls & emails later we were to find that they didn't negotiate a modification & our home was ready to be sold. SMHUSA was still... read full review »