I learned a very painful lesson in real estate the last two years, and my newest lesson just days ago. My loan has been taken over by AHMSinc, work got slow, a near death in the family, and my mortgage rates were rising out of sight. I applied for a loan mod in may, 09. I was accepted in oct, and was told to make three trial payments, which i made, So in the middle of Jan, I still didnt have a loan so I called AHMSI and was told to make another trial payment for feb. I sent them a payment, but it was sent back to me on the 12th of feb, so I... read full review »