My husband and I financed a home through American General Finance. As first time home buyers we were unaware of what we were getting into. We didn't receive any paperwork at closing. We were told it was an open end mortgage, had no idea that they charged us 15% interest, pre-payment penalty, a balloon payment and mandatory arbitration. They did loan flipping on an auto loan. Our mortgage is a revolving loan, and 2nd mortgage is a HELOC, with the same stipulations as 1st mortgage. They made advances without our permission. We are in a mess and their staff is beyond professional. We were behind a payment on our home loan, because my husband became very seriously ill. They called and demanded payment by the end of the day, and that if we couldn't do it, they would start foreclosure the next day. I am sick of them, and am trying to find help in taking some recourse against this scam type finance company.