I have had them for several years no problems the last 6 months every month they mess up my payment. I have always paid bi weekly payments and pay extra every month. No problem until they sold or moved out of country and I could teach a 5th grader better than them. Finally I will pay once a month until I can rid of them. I think they bought my mortgage maybe 4 years ago but until 5 months ago it was ok. But everyone e you speak to English is a second language