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None. RE : Shellpoint Mortgage Servicing / New Rez PO Box XXXX XXXX, OH XXXX Mortgage # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Shellpoint purchased our mortgage from our old mortgage holder ( DiTech ) in XXXX. We have never been late with a payment in any month of the ten years we have had a mortgage on this property. Shellpoint is the third mortgage company to purchase our paper. In XXXX of XXXX we received an email offer from them of forbearance due to the Covid virus. I contacted them by phone for details and they said that it would not affect our credit rating and that the skipped payments could be added on to the back of the mortgage when we opted out of the forbearance. As our restaurant was undergoing economic distress we accepted their offer for the thre