THEY DO NOT DELIVER WHAT THEY PROMISE. It a rip-off. I walk in with a loan of $277000 and a payment of $1330 to PROCITY MORTGAGE after 1 year of modification and new loan is $296000 and a adjustable payment of $1502 FOR 34 YEARS. I have no idea what did they modified. According to Walter and Scott this the best they can get and also when i request that they give me in writing that its the only option they give me as per "walter" a procity crook said that he can not give me anything in writing. Iam just stuck i paid procity $3990 to process my modification after 1 year .Procity gave on my modification.