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I have never had a late payment with them but they make it extremely difficult to even pay on your mortgage.If you will not sign up for auto pay the charge extra fees every month.

there customer service is a joke. i have been trying to change the date of withdrawl for auto payments for months. they are telling me that they cannot change any payment information 10 days before or after payment date.

even during the small window in between we have still been unable to get the payment date changed.Stay away from these guys if you can.

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