These people are great. I was months behind on my mortgage, in pre-forclosure and basically losing my mind. I called them and someone (Scott) got back to me right away. I filled out all the information for them and faxed it back. There representative Britani, called me with some questions and she was off. After that they handled everything for me. I didn't have to talk to my mortgage company again about it. I just got a letter in the mail stating my loan was able to be modified by my mortgage co. Britani called me to verify that I received something in the mail from them, and everything is good now. I can breathe a sigh of relief because I am not stressing out anymore or getting rude harassing phone calls anymore. I am also able to remain in my home while making an affordable payment. So I can honestly say these are the people to go with if you want to save your home. The minute I talked to them, I felt relieved.