I don't have hills to worry about down here in Alabama. I can get in my truck right now, head south, and in 30 minutes be looking at the Gulf of Mexico. The person that wanted to pay once a month worked for more than just safeguard, and each company has their own special bs list of pictures. It was a female too!! There's more to the stories I have to tell but it's too much to type. I know a good bit about the foreclosure business. Before I started cutting grass for these companies I worked for a mortgage company one winter foreclosing houses, insurance inspections, maintenance ( changing locks), winterizing houses, etc.