I tried to do a loan mod through them, impossible, talking to the cusotmer service was ridicoulous. No matter what you say, they end by asking you to pay. I snet my information in as requested and was denied. I finally went through a mortgage company specializing in loan mods that has worked with them. I just got mine back with a considerable reduction in %. My conclusion, you need to go thru a mortgage company that has loan mitigation experiance. Otherwise forget it, you'll never get thru their BS. They are truly awful in customer service. How do youlike paying a service fee to pay online?