My brother had a mortgage with SPML via Capstone. Despite the fact that he was suffering from mental health issues caused by stress. They repossessed his home. The following day he took his own life. The property has since been sold and they are now not responding to any phone calls or letters ( sent recorded delivery) regarding the money they are holding. My mother has probate but we get no response. If we phone we get the run around and are eventually cut off, or you get the "yes man", who agrees to send you everything you need just to get you off the phone but has no intention of doing it! Avoid dealings with this company at all costs!!