About 2 months ago now I hired Ryan, Blake & Associates and they got our rate cut almost in half, lowered our payment from 1, 396 to $731.80 per month and forced my lender to put the $15, 389 in back payments we were behind on the back of our loan . It did take almost 2 months but they were very professional and kept me updated about every 5 days via email and phone. I would recommend if your behind on your Mortgage and looking for Quality help to give them a call and see if they can help! 1 (818) - 505-9990