The pain is immense. I am talking about the pain suffered by field service representatives when NFN and NRES closed their doors. The mortgage segment is the home of 99.5% of the fraud, greed and corruption in the industry. Three more Mortgage Order Mills (MOMs) with 60 and 90 day pay schedules and 25% discount rates will be out of business before Memorial Day. Be sure to follow Foreclosurepedia.