My loan was sold to EverHome last year and they have the worst service, they take way to long to deposit checks and clear auto drafts. I contacted them to day to enquire on a rate or loan modification as my rate will be adjusting and I will be unable to afford at the higher rate. I was told there was nothing that could be done unless I was not making payments or wanted to refinance. Basically I can and would continue to pay on time at my current rate and only until I am behind they will discuss options. Seems kind of reactive instead of proactive, no wonder these banks are in the situation they are. read full review »