In April 2009 I contacted the Michigan Better Business Bureau who gave SMHUSA an A rating. I sent SMHUSA the required $1595 to negotiate with my mortgage company for a lower mortgage interest rate and monthly payments. I sent SMHUSA all my personal information and finances. As it stands now my mortgage payment was modified to $20 less per month than before. All those bogus testimonials! Bunch of CROOKS, Brandi Baldwin, Amanda (I WILL find your last name) and the other people! They told me not to talk to my mortgage lender! Now there is no... read full review »