WARNING! Their rating is ZERO! I gave them one star just to get this posted, but to give them any star at all is over-rating them. Do not do business with this company unless you are forced into it. The company I had a loan with merged with this firm, and it has been a horrible disaster since they transferred my loan to this company. They do not train their customer service staff appropriately. They put thousands of dollars of charges on my account, could not tell me what they were for, when I didn't pay them, they reported me late to the credit agencies. Then started charging late fees (big ones), on top of the undefined charges. After 7 months, they still haven't figured out what they did to mess up my account. They are incompetent. No one follows through on anything there. If someone even says this company's name in your presence, pretend you didn't hear them....and walk away. read more