Sterling is a huge pice of CRAP! They were the secondary lender on my family home and we were never late on a 28,000 loan but they forclosed and sold our home even thow we were only 38 days late on our primary lender and we were in contact withe them at all times… This was a illegal forclouser and should have never taken place… Please dont do business with Sterling or you might end up losing your home like we did… To Hell with Sterling!!!