first universal lendind is full of ____. Not only do they not return there phone calls but, we have paid them for four months and they did not help us at all. I had to call our mortgage three time myself to find out what was going on. I was told by our mortgage company that we where denide, so they gave us another rep and charged us for a month when nothing was being done. I could have done all this myself without the lies and the hassle and could have put that money toward our mortgage cherease read full review »