This company is a complete fraud, and is only in business to prey on low income homeowners and provide them with a false sense of security, and convince these low income homeowners that they can assist them with lowering their mortgage payments. First Universal Lending then convinces homeowners to stop paying their mortgage even if they can, and some of these cases lead to foreclosure for a homeowner that was never in trouble until they spoke to First Universal Lending and followed along with their plight to steal from the poor, and make some... read full review »