Our mortgage was sold to Nationstar by GMAC mortgage and that is the worst thing that ever happened. Times are hard for everyone right now and those idiots make it worse. I paid our mortgage payment online or over the phone evr since they got our loan. They charge so much to do that and now since they don't credit it when they automatically take it out of our account, they are slapping $50 late charges on us. They are doing the same thing to my mom and dad that got stuck with them too after GMAC sold out. They say the "grace period" is at their decrection and that if the payment is 1 day late they can nail you with those charges for each day which is bullshit. My husband lost his job and I got hurt at work and have some workman's comp coming in but they won't work with me and keeps sending dum ass notices about that bail out bullshit that would make us lose our house anyway. This is crazy and we don't know what to do now since it seems like we can't get a new loan by someone else to get the hell away from Nation SUCKS!!!