I am writing on behalf of my parents, who, after nearly paying off their home had to take out a second mortgage to pay my father's medical bills. They have always paid their bills on time, and thus have amazing credit. EMC is taking their mortgage payments, applying them to the principle of the loan, and putting them in default and charging late fees. Customer service is a joke, as my mother, who spends her days caring for my father, sick with Parkinson's disease and with a feeding tube, has to spend hours on the phone to try to correct this issue. This is affecting their credit negatively. EMC will never put a supervisor on the line, nor do I think that there actually are any supervisors. None of the people answering the phones have any idea how to deal with the questions my mother has. They are rude to her and tell her that she should see a financial counselor to avoid forclosure!!! She pays on time!!! Never missed a payment. It is their stupidity. If you need a mortgage, DO NOT USE EMC!!! They are thieves and idiots!!!