This is the worst mortgage company that could possibly exist. We at first were lease purchasing our home from individuals. After 3 years VM allowed us to out the home in our name. All the papers looked great and we had a smooth transition. It wasn't until 3 years later that we checked how much had been paid on principle balance that we noticed a huge problem. The mortgage company had given us a simple interest loan! Huge surprize to us considering our papers said fixed rate. So after 5 years of paying our balance has gone down maybe $1000.00. Another problem we have is a very rude rep. She is so rude that we were actually dumbfounded. After speaking with a manager it was quite clear that they were willing to do nothing about it. She is allowed to speak to us however she sees fit to get their payment. We have never been more than 10 days late, yet the woman will call up to six times a day, everyday. Once we told them that it was harassment and her reply was, "I will call everyday, all day until you pay me!" Can you believe that!!! She acts like it is her money! And they won't give me a new rep. Also everytime I try to make a payment using the automated system it is supposedly not working. Surprize that they charge $10 to make it through a customer service rep. We have had nothing but problems with this company and I would seriously warn against anyone getting their mortgage through them...
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