This company called my home after we have called Ditech to inquire about a refinance on our two homes. They spoke to my husband. They had told him over the phone that we would have to pay an initial fee of $399 and every month for six months $499.00. I never heard of such a thing, but my husband seem to believe it. Then he actually gave them his email address so they could send him and application. In the email sent to him from First Universal was also an attached scanned magazine article (in black and white) supposedly from Forbes magazine on... read full review »