To whom it concerns, I have been in forbearance with my mortgage company, New REz/LoanCare and now need to apply for loan mitigation but no one assists and the phones are all recordings, and the site does not answer the questions to apply. It has been months of trying to figure out the next step with them. They direct you to thier website which I registered to sign in, but again the choices given for my situation are limited and getting a real person to talk with is next to impossible. When I do get ahold of someone the next phone number goes through the same long wait time and has not yet helped my situation concerned of forclosure. Walter Sharp