I was really nervous after reading the reviews and...
I was really nervous after reading the reviews and taking on the note that is serviced by this company. And while I don't understand the high collection fees on top of the late fee (especially when under 30 days late no other mortgage servicer has ever charged $150 for being less than 30 days), so that's the ONLY complaint I have had.
Other than that, these guys have been pretty understanding and forgiving when my spouse almost died this summer and could not work for 6 months and I was circling my tail to pay the bill. We've been a few weeks late on everything behind since the temporary loss of income, including our note, but paid our late fee every time and they've been great and pretty forgiving. I have NO problem at all paying my late fee, I'm late, it's my penalty. So I would never complain about THAT. I am grateful the owner was nice when I called in and explained what was going on. The reviews made me really nervous wondering if I would get my head bit off. That didn't happen :)
I have not really ever had any bad encounters with them. I'll probably add on tax escrow to my mortgage in the near future. So, I really can't say anything bad about them at this point. I give them 5 stars fairly.