yay.... ugh, horrible. would love for someone to 'disrupt' the mortgage industry, specifically servicing. I don't particularly care about the upfront stuff - you only go through that once, but you live with a servicer for years, you have little or no control, and it's generally crappy.

I refuse to let others handle my escrow, and pay taxes myself. I've had companies 'miss' tax payments, or pay the wrong amount, and I'm still stuck holding the bag, and potentially losing my house, but I didn't have the money to cover it - the mortgage servicer did.