This company is horrible! It is ultimately owned by WL Ross & Co. LLC Their call center is clearly housed in some hovel in India. No one speaks English! They provide absolutely no service. When you ask to speak with someone about the terms of your mortgage you are told, "You must find a local lender to help you. We are here to collect your money." I am angry that my mortgage was sold to a company without my knowledge or approval. Option One (AKA H&R Block) basically threw me to the wolves when they sold my mortgage. I was not given an opportunity to find a replacement mortgage company after Option One went "belly up". I hope and pray that the current "mortgage meltdown" completely decimates any profitability for AHMSI, its CEO, and their board of directors. A pox on all of them!