They Charged me 2, 6000 dollars for load modification I pay my fee 10-23-09 and faxed presumably paperwork and voided check 10-28-09 and that was the end of it I haven't heard from them. They stated the office move location to Torrance CA, they don't returned phone calls or Emails. I call my lender and On Pin only send a letter that I authorized them to represent me. which they only did for them to have time to cash out my money from my Bank account.