I refi'ed my mortgage with XXXX. I had no issue with them. They sold it to Nationstar. NS immediately tried to force me into their homeowner 's insurance. I had it already with XXXX. They then tried to force me into flood insurance. I already had it with XXXX. Now, they are sticking me with " gap '' flood insurance. They insist on {$2400.00} right away and they are boosting my monthly mortgage payment from {$700.00} to {$1200.00} a month. Repeated calls and letters are useless with them. In checking with the XXXX, they are not accredited and have an " F '' rating. They are terrible! This useless " gap '' insurance will cost me an additional {$15000.00} over the term of my mortgage and I have no right for refusal. They " claim '' I agreed through " terms and conditions '' even though that agreement was with XXXX, not them. It is forcing me to consider another refi 12 months after I just did it. This will cost me {$3000.00} but it saves me {$12000.00}. I could pay off mortgage but would get hammered XXXX by income tax. ( XXXX with withdrawl, XXXX with the boost in % income tax bracket ) 
