ONE WHEN FIRST GETTING THE LOAN 11 YRS, I ASKED TO HAVE THE REALESTATE TAXES AND INSURANCE IN THE MONTHLY PAYMENT. THIS WAS NOT DONE. TWO THEY WOULD NOT PUT ME ON THE LOAN, BUT HOWEVER THEY TOOK A CERT BANK CK FROM ME. ALTHOUGH WE HAD RUFF TIMES AND SOMETIMES FELL BACK ON PAYMENTS, I STRUGGLED TO KEEP A FLOAT. IN SEPT I APPLIED FOR A HOME MOD AND WAS TOLD THAT THE PAYMENTS WERE TO BE 589 MONTH, AFTER THE SEPT PAYMENT OF 774. THEY REQUEST INFO AND I FAXED OVER SEVERAL TIMES AND PAID $ 35 I CONTINOUSLY KEEP IN CONTACT WITH THEM, THEN... read full review »