As a former HUD Representative, I must admit I thought at first that at last business and caring for others had finally met.
But you what the bottom line in this progrogram is, don't you?
If I contacted you and disclosed at any point that I could help you get a five hundred dollar refund from HUD/FHA. And all you'd have to pay me was $60 to handle the paperwork for you, what would you do?
You'd say, "Thanks for letting me know. I'll call my old mortgage company, get the forms from them, fill them out myself and save the $60."