I was using apply to save for a mortgage situation in nov.2008 I was told that apply to save coul not help me, due to my house being in foreclosure. In dec.2008 they had made it a cancel and were supposed to refund me my money which was 750.oo by march of 2009, I called and search for them today again.. june 4th 2009 and their number is diconnected and website not working. tha's messed up as if we didn't have enough problems.. right!!! May God forgive them.. Deanna Gonzalez hobbs, nm 575-391-7960 read full review »