I had some financial issues and could no longer handle a $2, 400 home payment. With no equity in the property I contacted them about a modification. They said I could not apply until I was 90 days or more behind on the note, and when I'm 90 days late they could lower my rate and cut my payment by almost a thousand.I called them back when I was 90 days late and they sent me the enrollment package which I filled out and mailed it back to them. 60 days later I call and find that "We never received your package Great! I also found that to... read full review »