There is absolutely zero inter department communication and even worse customer service! I have submitted loan modification papers 3 times now on a second mortgage. They are the very same papers that were submitted for a loan modification on the first mortgage that got through on the first try. It seems that they get a new part of the modification paper work every time, but never the complete package that has been confirmed sent! Their customer service personnel are the rudest, over talking, least helpful people I have ever delt with! I would rather deal with customer service in India for Dell!! If you ever have an option Please use another mortgage company!!