°When we refi with Flagstar, I talked with the title co. to make sure they had everything and they said they did. Then afterwards Flagstar sends me letters stating we did not have Flood Insurance when we did, I sent them the proof, nothing was done, they purchases another one took out of my escrow. My son was having brain surgery at the time. Then they only pay 1 of 3 tax payments. now my payments have gone up to cover the negative escrow and all is not paid. Again. now they are saying my insurance is not enough. I am so tired of this and... read full review »