AHMSI are nothing but a bunch of crooks. Our trouble started with them in July 2009 when they paid our property taxes AFTER we had already paid them (we were not escrowed). Then they said that WE had to pay THEM back that they would not wait for their refund from the county tax office and then because of THEIR mistake they did a forced escrow, even though we explained to them that they were the problem not us. The next fiasco with them is that we have been attempting to do a loan modification, in which they never return our phone calls (we’ve left as many as 20 messages in a week’s time with no response) or if they do decide to call us it is to ask for more and more documentation, which I send it to them the very same day of their request. This has been going on since October 2009 and still no word if they are going to do a mod or not. Third problem with them was with the homeowners insurance, which nothing had changed, same policy etc, but they claimed we didnt have insurance (this was December 2009), when we do. We had to send documentation of coverage numerous times. If you look at the report on at the U.S. Treasury website you will see that through the end of December 2009 they have only completed 232 permanent modifications, so for those of you who are so unfortunate to have your mortgage serviced by this company, I wouldn't hold my breath about getting a loan mod. If they don't do a loan mod we are walking and I hope this house sits empty until it falls down. I wouldn't wish this mortgage servicer on my worst enemy.