I recently refinanced and have been waiting for refund of escrow money. I have contacted customer service and I put this in quotes because I dont believe there is an agent. I have made numerous calls and have yet to speak to a person. My wait time has varied from 45 minutes to 1 hour and 10 minutes!!! Totally unacceptable! Im thanking God that this company will no longer be my mortgage company. They are absolutely devoid of any concern for their customer!!! I am ready to report them to the Better Business Bureau. If you are reading this review and looking for a mortgage company DO NOT USE THEM!!! User's recommendation: NEVER USE THIS “MORTGAGE” COMPANY”.