This has to be the worse company to deal with. It takes them over two weeks to get an overnight packages, 10 to 15 day for a fax. They keep saying they are helping with modifications and there are so many people to help. yet I don't know anyone who has actually gotten a successful modification from them. I don't get it, they had a enough employees to give out this crappy arm loans but don't have a enough people to help the people out that they took advantage of. Instead it is like this " if they get to your paperwork before foreclosure great if not so sorry for you and your families luck... We just don't have enough employees to get to everyone. Well then freeze the foreclosure until you can get to my paperwork. They always say we will have paperwork to you and never do. I started my modification over 8 months ago and yet to haven't received any paperwork from them. I was told I would have it by Christmas and here it is March and I am not any closer. They keep losing statement etc. This is absolutely the worst company ever and would love to join a law suit against them.If anyone knows of a suit I would love to know.