This has to be the absolute most terrible company with the absolute worse customer service. This is only the second mortgage company that I've done business with. The first being Wells Fargo and the second being Caliber Home Loans and they both were GREAT. My saga started when I received a check in the mail saying that I had a surplus in my escrow. I knew that wasn't right so, I called them to be certain. They assured me that it was correct and that everything had been paid. I couple of weeks later I got another letter stating that I had a shortage and I now owe them the shortage, which drove my mortgage to an unreachable amount. I started trying to bring the Escrow shortage down, first by depositing and sending the check that they sent (in error) back to them to add to the shortage (that went well). I then send them my mortgage payment with additional escrow to be added to the shortage but the additional payment went as a regular payment. I clearly put it as "ADDITIONAL ESCROW". This all began at the first of the year and I'm still dealing with them without ANY progress. The Customer Service is horrible mess. Dealing with them make me fee like my name should be Spalding by the way I'm being bounced around by Flagstar's Customer Service. My advice to anyone is to RUN RUN RUN from this company if they are to be your mortgage company.