I paid my mortgage on time for 12 years and was unknowingly transferred to this joke of a company. I was told my terms and conditions were the same as my previous lender, a reputable widely known company, THEN , to be told to make my payment ontime online Id pay 15/mth or 180/yr. "Maria & Lemer" only talk in circles. It's extortion and feels like a slimey scheme of a company. 21st century and you can "mail in a payment". Ridiculous.