When I received a letter in the mail with no return address or no indication of who sent it - I thought it might be a worthless solicitation. Inside was a letter from "Stone Point Financial". The only mention of any name was their legally required small print. No person was named. No address was given. The only non-text of the page was the generic Equal Housing Opportunity symbol. The letter claimed that I might lower my house payments by 50% by just calling their 800 number. As my momma always told me, when things seen too good to be true, they generally are. I investigated and found that Richard runs a "mortgage boiler shop" that rakes in commissions for him and leaves his customers screwed. How do you think we got into this entire Mortgage Mess: People like Richard Boyer. Beware.