This is me and my wife's first home. My son turns 1-year-old in a couple of weeks. I've never been scammed until now. I paid my "fee" and have contacted my mortgage company more than SMHUSA. When checking the status of my re-modification loan the constant reply was, "file under review". John McCallum and Michelle Fuller were the ones I dealt with. My neighbor recommended his friend, John. Now I run the extreme risk of losing OUR home. We have took a "red-tagged" home, done the work ourselves, and now this! I thought myself as more consumer savvy until now. Please beware of this company!