1 /5 A Sparks: I was late on one payment only because my statement said that it was paid for that month. The next statement I got said I was behind a month. They instantly started to threaten me with foreclosure locked me out of my account. And I wasnt able to get a hold of them till the following day! I did not choose this company for my mortgage lender. It was provided during my refinance. I would never recommend or use this company. They are absolutely horrible! Update I just discovered my credit score dropped 81 points because of this!!