This Mortgage Company has harassed my family continuously with unnecessary phone calls, have
threatened to garnishee my pay. We also Refinanced our mortgage for a lower paymentinterest, but our payment
either remained the same or was raised. A couple of years ago we requested a Deferrment of Payments for (2)
months,(These payments were to be put on the rear of the Note) however, we were informed at the time of the
transaction that it was necessary that we paid the interest for those (2) two months(1,570.00), but we found that
some friends of ours conducted the same transaction and were not required to pay 0,000.00.
We purchased our Mortgage at a lower purchase price, but owe 6,000.00-7,000.00 more. It also seems that
all our payments are applied to the Interest, with little or none going to the Principle.
It seems that out of a 800.00 payment, only 15.00 was applied to the actual BalancePrinciple.

William Wanda Kelly