We entered into a loan modification agreement with AHMSI in December 2008. They added $14, 000+ to the principal of our loan, which included $7, 184.02 for payment of deliquent taxes and insurance. We made our first first payment in February 2009 in accordance with the amount stated on Schedule "A" of the loan modification. We then received an escrow analysis statement in March 2009 stating that our escrow had a shortage of over $5, 000+ and that $400+ would be added to our mortage payment to reduce the escrow shortage. AHMSI state... read full review »