We have experienced some tough times over the last few months, my wife lost her job. We continue to pay our mortgage on time but its very tough, we were looking for ASC to cut their rate as other mortgage companies have done. They will do nothing of the kind. We understand this is b usiness, so we'll take things in our own hands and refinance with someone else. We will also spread the word to others and file a complaint with the Fed. Gov. to see if there is anything they can do. I would like to know if they have recieved any 'bailout' money.