I received a call from First Universal Lending after filling out a form on the internet with Lending Tree. After speaking with the person at 1st Univ. Lending he assured they will lower my mortgage payment and interest rate with Wells Fargo. But after reading here I think I am allready being ripped off, He told me it would cost $499.95 per month untill finished but everyone on here has a different amount one is $199 another is $299. So I am not sure what is up with the difference in amounts. I thought $499.95 was alot of moeny. And another red flag was the Rep. from 1st Univ. Lending told me not make my normal mortgage payments, he told me that I can not afford them and pay him $499.95 a month. If anyone else has any info for me please let me know.