I have paid all of my notes on time for over 10 years. I am self employed and was told that 2 years of taxes would be required, however what they do not say, is that if you change jobs for the better anytime after those 2 years, you then need to wait another 2 years for taxes to be submitted. Absolutely ridiculous, how a customer is progressing in life or just wants to simply refinance the nonsense this company requires. I'd rather pay higher percentage to another willing to help. The person I originally dealt with to start my mortgage was Grobnagger, Nick. Of course they were very helpful over 10 years ago to get my business, but then do nothing afterwards.