It's sad... That when someone works for years to build their credit to buy a home, then an unforeseeable event causes a financial need to restructure the loan (which steps and concerns were taken to remedy the situation even before a single payment was late or missed). During the restructure, I made all the trial payments on time, but yet the original payment just prior to the restructure counts as "missed" when really, it wasn't missed... My credit is down 120 points for something that was out of my control, and they won't do a single thing to get the "missed payments" that were never really MISSED! off of my credit. My credit is destroyed for 7 years, for being responsible and a hard worker... and they couldn't care less. They don't care about the people, just the money... Everyone else is understanding, and will have late/missed payments removed from a credit reporting, why won't you?? Because you don't care! Thanks a lot.. If you have the option to go through another lender, do so... Good luck.

Rates are so high that it should be considered predatory lending. Their fha rates are 2 percent above market. They are helping people with no down payment but at a really high cost.