In 2008, American Home mortgage Servicing, Inc. contacted us to say they would be handling our mortgage payments for Option One. 1) In 2008, AHMSI Retention Dept contacted us by mail informing us that we needed to modify our loan so that it did not adjust up in 2009. 2) We filled out all of the paperwork and faxed it to them. A negotiator contacted us by telephone and told us he could lower our interest rate, lower our monthly principle by $30 a month, take ten years off our loan, making it a fixed 30-year loan. But, he could not... read full review »