They are the worst!!! Pushed around from from ONE incompetent, rude person to another. I have communicated with them from the beginning...they are HORRIBLE. I was finally denied a re-structure for $55.38. Then they inundated me with short sale and deed in lieu of foreclosure FOR $55.38!!! I am totally for a Class action suit. No one is helping people in California, particularly in San Bernadino.