This company and the president Mike Monaco are a complete fraud. They started back in Jan 2010 with the HOMR program. They collected 100, 000's of dollars from home owners with a promise to buy they bank note and refinance them into a current market value loan..WELL they were not able to complete even ONE. DO you think they refunded any money...NOOOOO. they just changed the program to HOMR Express. What a complete FRAUD. All I can tell you is do your own investigation and you will see. Hopefully the FED's shut this company down soon before more home owners get ripped off.