I HAD GOOD EXPERIENCE WITH NATIONSTAR AND THINK THEY ARE ETHICAL. My modification became permanent this week - what a blessing!! Saves me $600. per month and I can now stay in my house. It took a very long time to process, almost a year counting application process and trial period. I had Flagstar Mortgage for my home loan. They sold my loan to Nationstar the same year I applied for the "Make Homes Affordable Modification Program" and I had to do paperwork all over again. The waiting on Fannie Mae to sign final papers took... read full review »