Unfortunately, I didn't have a choice my loan with First Mortgage goes through RPMS. They raised my house payment because they said I didn't have enough in Escrow, a few months later I get an $800 refund for my escrow account? I then have a mini flood at my house with damages over $20k, and it has to go through RPMS. Now I can't get my insurance money to repair my home because the loss mitigation department doesn't work with homeowners directly they use their Customer Service Reps to do that over notes in a computer file. This company is the worse! DO NOT USE THEM! If you do you've been warned.