these companies will not help anyone with there mortgage and hides that your mortgage can ajust without you understanding it. they say one thing and the paper work says another . who reads or understands every page of the legal wording ? in fact they purposely divert your attention to other items thus confussing the party whom is going to receive the loan. they will not help, its time for a class action suit to bring them to the table.i am researching rightnow how to sue them on my own to stop these criminals from robbing the people blind.