I got a 30 year mortgage from GMAC that according to their promises in writing before and at closing would not require hazard insurance. After closing and a year or so into he loan, they write to me requiring for me to get hazard insurance. I showed the written agreement to the insurance officer and after months of arguing back and forth GMAC executive offices dismissed the paperwork against their position as an oversight error and insisted for me to get insurance with treats of damaging credit although I was ahead on my... read full review »