Pretty good company, found them through this site and worked out great for me. Got turned down by my stupid bank and found these guys. Completed my loan modification, go a good interest rate and fixed terms. Main reason for me was I did not pay until my loan was done. I will list their site as they helped me, so a little shout out is ok if they helped, they helped me when I was in a big touble. Thanks Joseph and team!Go to hell Bank of America!!! Roy