They will do everything that they can to take a ho...

They will do everything that they can to take a home from you. Get everything in writing and have a lawyer present. The Credit Union we went to (Only for the reason that they said they would never handle things out of house.) Sold our mortgage to them and they did not communicate, did not speak to us. Their business model is taking homes and selling them at foreclosure. Biggest scumbags to ever have drawn breath.