Like the ad before mine I too am a victim of Flagstar Mortgage Company. I noticed one day that my bill was slowly going up for no apparent reason. After contacting my insurance agent and reaffirming that my insurance had not gone up I was left scratching my head. Within days I had received a letter from my wind and hail Insurance Company letting me know what day my insurance was due by and that it was getting close that the payment needed to be made. I paid little attention to this letter as my payment for wind in *** is included in my monthly mortgage payment and is made by Flagstar Mortgage Company. Unbeknownst to me Flagstar is known for not responding to the insurance carrier of your choice which in my situation charges around $670 a year for wind and hail insurance. Flagstar instead ignores the request Time After Time by the right insurance agency and force places their own insurance onew at double or triple the rate. My escrow account was robbed of $1,900 which Flagstar paid to an insurance company that they claimed they weren't affiliated with but they couldn't tell me the name of for over 6 months. After sending them the proof that my company of choice for insurance has sent them over four letters, return receipt thank God, they agreed to pay back the $1,900 that I had taken. The story does not end well as they did not pay back the $1,900 in fact follows a depleted my account they took my escrow money that should have been going into my account and paid themselves for me having a lack of funds koala kept a $1,900 for over 6 months putting me over $2,500 in debt to Flagstar because of them stealing $1,900 from me and then claiming to advance me escrow payments. Beware if you're thinking about financing your house to Flagstar Mortgage. Flagstar Mortgage buys out other mortgage companies at a price that no one else is willing to pay, and there is a reason behind that, they intend to teach you like you've never been cheated before and if you don't watch your escrow account you're in trouble. If you're a veteran like me you won't be able to handle your own insurance yourself and send them proof every year like a conventional loan. While you're supposed to be able to pick your insurance carriers all the money has to go to Flagstar. I am now 8 months into getting my account fixed and at the moment they still have me paying them $120 extra month to pay them back for the money that they stole from me. My next stop , the courthouse