I am a elderly woman at age 76 and this company took advange of my money, They where sue by the AG of New York,now they close the Long Island branch as Home Affordable Direct, now the open a new office as clear solution the manager name is Jenn and the new number is 718-651-4200, stay far from them Jaview Gutirez and John Roman are also collection money for escrow they promise to wipe away a second mortgage, SCAM SCAM SCAM