All these so-called mortgage companies are subsidiaries of American Business Financial Services, (ABFI). What ABFI does is best explained by visiting their website at http:/www.abfsonline.com
Also, take a look a your monthly mortgage statement down in the upper left-hand corner of the detachable coupon for a reference to an "Investor #..." - that is probably who really owns your mortgage.
Without making any "specific charges", it might be a good idea to have your lawyer, or do it yourself, look over ALL your loan closing documents, Check out the appraisal, your loan application (look for errors in your credit history), check for title policy errors or omissions and/or violations of "closing instructions".
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