DO NOT GET ANY HOME LOAN FROM THE GOV. THE CHANGE YOUR LOAN WITHOUT YOUR CONSENT. THE CHANGE THE TERMS OF YOUR DIRECT LOANS. YOUR DIRECT LOAN IS NOT A DIRECT LOAN DO NOT CHANGED ANYTHING OR ADDED ANYTHING TO YOUR HOME, TAKE IT OFF ASAP. DO NO UPKEPT EITHER. YOUR ARE JUST A RENTER IS ALL. ALL UPKEEP, INSURANCE, PROPERTY TAXES ETC. MAY BE IN YOUR NAME BUT UNDER THEM YOUR JUST A RENTER. FEW MONEY TO THEM IS ALL IT IS THATS OUR DIRTY GOVERNMENT. YOUR PAYMENT IS SUPPOSE TO BE ONE AMOUNT FOR YOUR WHOLE LOAN. BUT WHEN THEY SEND IT... read full review »