Wow, just got off the phone with Brad Patrick about my loan modification that they have supposedly been working on since Sept. 2011. Not behind on my house payments just wanted to extend the term of the loan because my house is totally underwater probably 50% of value from a few years ago and lower the interest rate. Was sold the bill of goods "your situation will be easy and take 3 months time". Well, it is now March, 2012 and still have no modification. Was initially working with L. Purpura who left the company. Then Paula last name starts with a R who no longer works for the company. Now, my new contact is T. Purpura. Really it is not like the last name is Smith. Bottom Line: according to Brad there has been so much work done on my case when I inquired about a refund. Seriously, spoke to my bank and in the notes I have spoke to the bank more often since Sept. 2011 than HMN has. I was told that HMN would contact me when my file was updated by the bank. BUYER BEWARE!!