In the beginning they were great. Then about 6 months in they started misapplying payments then trying to charge fees for them. Saying I couldn't use the online service due to their mistakes, forcing me to have to mail in payments, so they could say it was late and they have no control over the mail. I mail payments in about a month in advance and still have to call to see why they aren't applied. I get different answers from every rep that picks up the phone. I have to call EVERY month because they misapply funds even if a send a letter with break down of how funds should be disbursed. I ask for call back from supervisors who then note the account that they have called and I offered to pull my phone records to prove that they HAVE NOT! They make my payment go up then say it was due to tax increase when I send them a letter as proof that tax has not increase then they say it was insurance. Called the insurance company they tell me they have no increase. I find out it was all because they miscalculated the cost of the taxes and wasn't charging me enough. So now my payment is soo much higher trying to catch up. I am a 1st time home buyer I am a elderly woman with a daughter with 2 medically complexed children. This company has and continues to make my experience a total nightmare.