The worst, yet I am forced to deal with them as my mortgage was shuffled and sold to third parties many times over. They claim to help, yet overcharged me three time for escrow and lied about mailing me back the overpayment (took 6mos to get that check to me)! Then, they advise to make extra payments to principal, yet do not apply it in a timely manner. I had sent them $2000 on 3 occasions to go towards "principal only" over the last months and they only accepted one, while the others are "held in suspense"?!? When asked why it was not then resent to my bank... No answer — they lie and cheat. They also do not follow up with requests (like a payout letter). And after reading others here who did indeed pay off but never had the lien remove?... You can be sure that i'll be lawyering up. Avoid if you can.