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None. Mortgage payment increased XX/XX/2016. Called Nation star to ask why and they never explained. Stopped payment until they returned my call. They told me my XXXX XXXX home insurance increased so I changed to XXXX home insurance that same day and the new insurance was less expensive than I originally was paying. Nation Star still did not adjust my payment. In the end I had to pay all missed payments and {$3000.00} in penalties because they started foreclosure procedures and it is on my credit report so I can not refinance to get away from Nation Star. I cant even use my VA loan because this issue. I need help. Thank you