in late 2008 i contacted this company along with many others in reference to a mortgae that was going up almost 500 due to adjustable rate mortgage. this company disclosed a money back guarentee and expressed how diligently they would negotiate on my behalf to have my mortgage modified. of course i had a up front fee which was 2500 but they accepted 1900. i had to submt all financial documentation prior to them agreeing to take my file and prior to payment so they could see if i qualified. i sent in financial stuff almost every month and they... read full review »