BE CAREFUL!!!! This FIRM is run by people with no integrity. They lie and thieve. You must not believe the customer service. Every step I was advised to take back fired, which cost me more money. They do not abide by any fundamental honesty and any information they give you is almost incorrect and misleading. They pass the buck between employees. No one takes responsiblitiy. You will be charged fee's, late fees into the thousands and will take your home with no hesitation. They will mislead you to take your money. They prey on the vulnerable, disabled and elderly. If it's not in writing do not believe them. If it is in writing be warned, it is also misleading. As for the board of directors, and how it is run they are all in it together. Ruthless.