We have been with Roundpoint for a year. In that year, we have had to call almost every month to get our funds applied to the right place. We pay biweekly, which was set up on auto draft by Roundpoint and we make extra payments. They keep money in suspense instead of applying to the loan. They do everything to try to keep our extra payment from going to principal as we have instructed them to do. We received a lack of payment letter because they took our extra payment, applied it to the payment which was larger and said we were in default for the remainder. We called several times and they wouldn't change it. Then they didn't take a payment out of our bank account for a month and said they paid with extra money they found. How in the world does that happen? We now are paying $4, 000 in closing costs a year after closing on the house to get out of the company. DO NOT USE THEM FOR YOUR MORTGAGE LOAN.