I told her she should just send what she has and that should be okay. This company has threated to foreclose on her since day one. If she is one day late they call and say they will forclose. She put down 13K on a 56K house and they have been trying to foreclose since the beginning. This company is a Option One. Some real slime balls. BTW before anyone asks. I will not give the money to my mother. Long story.