Our mortgage got bought up by them two months ago. We have a high credit score, but had some concerns about this company as we had never heard of them before. Today I get a notice that my "balance" is too low in my account and they want $1200 "reserve" in our account. This is RIDICULOUS!!! I've never in 40 years of home ownership...never missing a single payment and always on time...have I had to GIVE a company $$$ to keep "just in case" there is an increase in tax or insurance rates. Most respectable mortgage companies just give you the option of paying a lump sum or rolling it into a "new payment". This practice is BS! I'm going mortgage shopping tomorrow.