Unfortunately, our loan was sold to Everhome Mortgage last April. In October they sent notice that our total payment was raised over $200 to cover insurance premiums. The minute I received notice of the increase, I reduced our insurance premiums and insurance binders were sent to them. No changes have been made in our monthly payment. I have tried to use the website and calling them to request escrow to review our payment and readjust to no avail. They make it very clear, whether by website or by customer service that they can't help us, just make your payment. Their customer service cannot be human, they all give the same memorized answers. We are self employed real estate appraisers. We have been living on the edge for over two years starting with lousy mortgage brokers wanting us to over value properties and telling them no way. So, it was tough making the payments before and even tougher now. But, we have had perfect credit for over 30 years and so have made every sacrifice to make these higher payments on time. At the first of January 09 I sent a registered letter asking them once again to review our escrow account and reduce our monthly payment. It is now Jan. 27th and I haven't heard anything from them, so here comes the February payment at the still higher amount to try and make. There is no place in their website for anything out of the ordinary. It just wants money. Calling customer service is the same. You might as well be talking to a recording. Are there any human beings there? I don't think so. We are doing everyting humanly possible to stay afloat here to no avail. This company is impossible to work with and we have both been in the industry, from processing to escrow to appraising for 25 years. So, we know the language and the procedures. It is of NO help with this outfit.