I have paid my mobile home mortgage for 11 yrs. never missed a payment.
My insurance lapsed for 3 months and I was not aware of it and they paid for a total of $198.00 now they are saying I am behind in my mortgage. I paid some of the 198.00 so now they have increased it to 265.00. Now they call about 6 times a week saying we are behind in our mortgage. They also turned us over to a collection agency.
They suck as a mortgage company.
They also do not refinance. Go figure this.