KRIS HOCUM

Loan Officer

Office
(970) 266-9111
Mobile
(970) 266-9111
Email
kris.hocum@mtggroup.com
Address
155 Boardwalk Dr, Suite 400, Fort Collins, CO 80525
Licensing
NMLS 669530 | CO LMB 100042875 , NE 669530, WY MLO 7540
At 1st City Mortgage we are able to offer you a variety of different loan products to fit your individual goals. Through our parent company Megastar Financial we are able to assist you through the loan process from application to closing. I work as a team with my father Ted Hocum who has been a Loan Officer since 1983 and I have been in the finance industry for the last ten years. Together we are able to find the best loan product for each individual and are committed to making the process a simple as possible. We look forward to the opportunity to help you with your home purchase or refinance.

TESTIMONIALS

“Thank you and you’re team for being so wonderful and gracious to us during the entire process we are so grateful y’all done such a fabulous job!”
★★★★★
– Bianca P


“I have used Kris more than once. He was referred by a friend and I was extremely pleased with my first experience with him. Honestly, it was so smooth, so specific and so easy that I thought maybe I caught him on a really good month and that was it. That was not the case. The second time, it was flawless again. Every detail was reviewed and explained, each term and every step of the process of exactly what would happen was walked through and he made sure I knew exactly what every line meant. He is one of the friendliest, knowledgeable and professional people I have ever dealt with. I would not hesitate to recommend him to anyone. A stand up guy who is honest and trustworthy, that means a ton this day and age. With no reservations, I would recommend Kris and his team (Alex was great help too) to anyone. Thanks so much for the painless process and making a normally tough experience rather simple and easy. You guys rock!”
★★★★★
– Anthony A


“Very honest and fair group. A pleasure to deal with.”
★★★★★
– Mark K


“Kris was a pleasure to work with and explained the process every step of the way. Him and Alex were available at all times to answer any of my questions. Will be using this team again for future investments.”
★★★★★
– Mason M


“We felt that Kris was the first loan officer to really listen to us and our circumstances. He was always available for guidance throughout the process and genuinely wanted to help us.”
★★★★★
– Braden M


“Kris was very knowledgeable and courteous. I feel like he went the extra mile to ensure a smooth refinance experience for me.”
★★★★★
– Elaine M


“Working with Kris was extremely easy! He let my wife and I know exactly what we needed to do to become home buying eligible. Essentially, he guaranteed that if we did what he asked within the timeline that he provided, we would be able to confidentially enter the home buying market. This was absolutely true! We completed each task/step that he advised us to take and we are now proud home owners!”
★★★★★
– Steven B


“Good job”
★★★★★
– Joe S


“Kris has been very helpful always answering questions i had and very patient and helps me understand everything.”
★★★★★
– Alex K


“Kris Hocum is truly one of the Best always communicates”
★★★★★
– Ursula Albers RE/Max Alliance


“Kris is awesome to work with.”
★★★★★
– Brooke JH


“Kris and his associate, Alex, made the process extremely smooth and easy. It was a joy to work with them.”
★★★★★
– Colter F


“Kris was wonderful to work with. He made the entire home buying process easy to understand from the beginning up until the very end. He always answered any questions I had in a timely manner and I was beyond impressed with his ability to respond to me—day or night even while he was on vacation! I’m so lucky I found him to help us with the entire mortgage process”
★★★★★
– Alex B


“Kris was knowledgeable, patient ,and a joy to work with.”
★★★★★
– Stacey M


“Kris was fantastic, highly recommend!”
★★★★★
– Keith M


“Kris is simply the best. From day one until closing he kept me in loop I’m overly blessed to have him working on my team. I already started recommending him to trends and family. Thx Kris for being GREAT RBN”
★★★★★
– Rodolfo


“Kris did an outstanding job and I couldn’t be happier with the whole process.”
★★★★★
– Jacob H


“Great communication and transaction!”
★★★★★
– Monica P


“The professionalism and service Kris and his team provided was excellent. I was a first time home buyer. Kris was great at explaining my loan options and made my home purchase easy. I highly recommend 1st City Mortgage. If I have friends and family looking to buy in Northern Colorado, I will definitely refer them to Kris Hocum and 1st City Mortgage.”
★★★★★
– Kerry J


“Kris was very easy to work with and was clearly knowledgeable in his field. He made it happen seamlessly!”
★★★★★
– Kayla H


“Kris is a wealth of knowledge and terrific to work with.”
★★★★★
– Matt G


“Kris was an absolute pleasure to work with! He’s incredibly knowledgeable and explained everything very well. It truly seems like he cared about us, our home, and our financial security. We’ll definitely work with him again!”
★★★★★
– Emma G


“Kris Hocum and the Megastar team were great to work with. The team always gives great communication and I feel like I truly have an advocate during the transaction.”
★★★★★
– Bryse C


“Kris does a great job. He is understanding, has your best interests in mind and has great availability.”
★★★★★
– Matthew M


“Kris and his team was amazing to work with. From day one (a year ago) Kris has always been there and always helpful to provide his advice on questions that we were seeking to get answered and we didn’t have any business happening with Kris at the time. He’s always willing to go above and beyond and you can see that in his results.”
★★★★★
– Jason O


“Due to the pandemic, we didn’t get to see Kris in person at all. However, he was extremely helpful, walked us through everything, answered all of our questions, and updated us frequently on the progress of our loan. Even though we weren’t as involved as we might have been under regular conditions, we didn’t run into any issues and our loan closed on time. Thank you for all your help!”
★★★★★
– Satisfied Customer


“Mr. Hocum was very informed and easy to work with on getting my loan.”
★★★★★
– Christie N


“Had a little hiccup at the tail end when some of the buyer info was submitted on an incorrect form. It was all rectified quickly and closing occurred on the original closing date.”
★★★★★
– Paul M


“From our first conversation to closing day, Kris was professional, responsive, and educational. He understood my situation and helped me achieve my goal. I will definitely work with Kris in the future.”
★★★★★
– Widmar S


“Kris is the absolute best. He has expert knowledge, solves issues as they arise, and communicates clearly and responsively.”
★★★★★
– Jon-Mark P


“Kris & his team are GREAT to work with. This is our 2nd experience with them.”
★★★★★
– Robin B


“Kris and Lu were absolutely incredible from start to finish. They were both extremely responsive and always took the time to address any questions and concerns. This was by far the smoothest loan app and closing we have ever had. They were both so professional and on top of it. We never had to worry about the details because Kris was so great about explaining everything. Kris and Lu are AMAZING!!!”
★★★★★
– Doug and Sarah M


“Kris took his time to inform me of my options. He is honest and knowledgeable.”
★★★★★
– Grant M


“Thanks”
★★★★★
– Sam H


“Kris is great! Very responsive and here for you every step of the way.”
★★★★★
– Gunnar G


“As a first time home buyer Kris helped walk my wife and I through the process and answered any questions or concerns we had. He was extremely helpful and professional!”
★★★★★
– Jamell M


“Kris and his team were responsive, helpful, and easy to work with”
★★★★★
– Nic R


“Kris and his team are great to work with and keep you informed through the entire process.”
★★★★★
– Kalpana G


“Kris made the process very pleasant and smooth. We’re very pleased and have already shared Kris Hocum’s name with two other families.”
★★★★★
– Todd B


“Extremely friendly, helpful, and efficient to work with!”
★★★★★
– Amy S


“Kris was a phenomenal Lender/partner in this process with my clients!! I have been a Realtor for 15 years and I have worked with numerous lenders in that time. He is one of the VERY BEST!! He exceeded all of my expectations. He had great recommendations for my client who had some non conformiing needs and we closed EARLY!! Great communication, very thorough, excellent follow thru, patient and willing to educate thru out the journey from beginning to end. I absolutely will be working with Kris again and this time on our personal home loan! True Professional!”
★★★★★
– Jacquejoy L


“Kris was extremely organized and kept us up to date on all aspects of our refinance process.”
★★★★★
– Colleen B


“Everything worked very smoothly.”
★★★★★
– Satisfied Customer


“Kris is very confident and knowledgeable, he takes the time to explain things so that the client has a firm understanding of their mortgage/refinance options and process.”
★★★★★
– Corina S


“Kris was extremely knowledgeable, friendly, and helpful throughout the entire loan process.”
★★★★★
– Chris H


“Excellent communication”
★★★★★
– Kyle W


“great over all follow through”
★★★★★
– Shawn K


“My wife and I couldn’t have asked for a better experience it was a pleasure doing business with Megastar. Everyone was on top of their game always keeping in touch whether it was a phone call or email through the whole process. Everyone was very kind and very professional; we are glad we were referred to Megastar for our loan.”
★★★★★
– Jarrod M


“Kris was always professional and quick to explain the entire loan process with us. He was always available to talk to when we had questions and he kept us well informed throughout our experience.”
★★★★★
– Stefanie M


“It was an outstanding service Kris was extremely professional on his work and made the process run very smoothly.”
★★★★★
– Zosimo L


“Super professionals”
★★★★★
– Anna M


“Working with Kris and his team was a breeze! Highly reccomend!”
★★★★★
– Josie B


“Kris has been a joy to work with. He was always kind, informative, & willing to go the extra mile to answer all my questions.”
★★★★★
– Heather K


“Kris was great, from beginning to end. Always available and friendly. Highly recommend!”
★★★★★
– Julie M


“Kris provided us with the best in customer service. He is super easy to work with and communicated with us the entire way to closing. Very smooth experience.”
★★★★★
– Ann and Carl B


“Kris did a masterful job educating my clients regarding their mortgage options, and his communication throughout the loan process was excellent.”
★★★★★
– Jesse M


“We asked for a quick close once we were under contract, and Kris and his team made it happen which was an incredible blessing for us to have more time to move.”
★★★★★
– Matthew W


“We’ve already recommended several friends and family members to use Kris because we had such an amazing experience working with him for our first home. I have nothing bad to say about all of his hard work making sure that we could purchase our first home!”
★★★★★
– Jessica W


“Kris and Lu made everything extremely easy for us. They did exactly what they said they would do — very smooth transaction and really great people to work with!”
★★★★★
– Kevin C


“I dealt with Kris and Lu and the were both very informative, professional and answered all my questions in an expert manner. I enjoyed working with them and would do it again.”
★★★★★
– Mike P


“Will definitely recomend Megastar to anyone looking to refinance.”
★★★★★
– Steve S


“Working with kris is always a pleasure. He always keeps me up to date throughout the loan process and is always available for questions.”
★★★★★
– Emily F


“Refinancing my home with Kris was a breeze. He did a wonderful job of listening to my needs and found the best option for my situation.”
★★★★★
– Brittney D


“I enjoyed working with Kris. He is very knowledgeable and was kind enough to teach us this process.”
★★★★★
– Carlos H


“I reached out to Kris with questions about my property taxes. He took the time to go over options for refinance with the new financial climate and gave me a breakdown on what my savings would be with a refinance. He quickly got the application in order with minimal legwork on my part and ended up saving me tens of thousands of dollars in interest over the lifetime of my loan.”
★★★★★
– Brian S


“Very happy with my lender Kris Hocum. He was always there to walk us through this process.”
★★★★★
– Susan S


“Both Kris and his assistant Alex Pope were excellent to deal with. One or both were always available to take phone calls and answer our questions. It was an effortless process.”
★★★★★
– Steven G


“No issues at all, and great communication.”
★★★★★
– Morgan M


“It was a wonderful experience working with Kris and Alex on this process! Kris was there for every step of the way and helpful in answering any questions I had, and Alex was extremely helpful in keeping me up to date and setting up any phone calls that needed to be made!”
★★★★★
– Peyton B


“Kris is a very knowledgeable and kind loan officer. He is very responsive and always tries to figure out the best options for his customers. We have worked with Kris for a couple home purchases and couldn’t be happier! We would highly recommend him for any loan needs. ”
★★★★★
– Brelynn S


“A very knowledgeable and responsive team, and I was very pleased with the service provided.”
★★★★★
– Dan S


“Kris was extremely helpful in looking for answers to questions, and even came to the house to pick up documents.”
★★★★★
– Linda T


“Kris was absolutely wonderful! He was timely, knowledgeable and just a joy to work with!!”
★★★★★
– Molly Z


“This was my 2nd loan with Kris Hocum. He took care of me and my family. It was a pleasure to work with someone so knowledgeable. Whenever I had a question I called him and he took care of all my needs! I would recommend Kris and 1st city mortgage group!”
★★★★★
– Joel L


“Kris is a great lender that I highly recommend.”
★★★★★
– Sam S


“Kris was amazing, kind, and so helpful for me and my family. We couldn’t ask for a better person to work with.”
★★★★★
– Reed C


TESTIMONIALS

“Thank you and you’re team for being so wonderful and gracious to us during the entire process we are so grateful y’all done such a fabulous job!”
★★★★★
– Bianca P


“I have used Kris more than once. He was referred by a friend and I was extremely pleased with my first experience with him. Honestly, it was so smooth, so specific and so easy that I thought maybe I caught him on a really good month and that was it. That was not the case. The second time, it was flawless again. Every detail was reviewed and explained, each term and every step of the process of exactly what would happen was walked through and he made sure I knew exactly what every line meant. He is one of the friendliest, knowledgeable and professional people I have ever dealt with. I would not hesitate to recommend him to anyone. A stand up guy who is honest and trustworthy, that means a ton this day and age. With no reservations, I would recommend Kris and his team (Alex was great help too) to anyone. Thanks so much for the painless process and making a normally tough experience rather simple and easy. You guys rock!”
★★★★★
– Anthony A


“Very honest and fair group. A pleasure to deal with.”
★★★★★
– Mark K


“Kris was a pleasure to work with and explained the process every step of the way. Him and Alex were available at all times to answer any of my questions. Will be using this team again for future investments.”
★★★★★
– Mason M


“We felt that Kris was the first loan officer to really listen to us and our circumstances. He was always available for guidance throughout the process and genuinely wanted to help us.”
★★★★★
– Braden M


“Kris was very knowledgeable and courteous. I feel like he went the extra mile to ensure a smooth refinance experience for me.”
★★★★★
– Elaine M


“Working with Kris was extremely easy! He let my wife and I know exactly what we needed to do to become home buying eligible. Essentially, he guaranteed that if we did what he asked within the timeline that he provided, we would be able to confidentially enter the home buying market. This was absolutely true! We completed each task/step that he advised us to take and we are now proud home owners!”
★★★★★
– Steven B


“Good job”
★★★★★
– Joe S


“Kris has been very helpful always answering questions i had and very patient and helps me understand everything.”
★★★★★
– Alex K


“Kris Hocum is truly one of the Best always communicates”
★★★★★
– Ursula Albers RE/Max Alliance


“Kris is awesome to work with.”
★★★★★
– Brooke JH


“Kris and his associate, Alex, made the process extremely smooth and easy. It was a joy to work with them.”
★★★★★
– Colter F


“Kris was wonderful to work with. He made the entire home buying process easy to understand from the beginning up until the very end. He always answered any questions I had in a timely manner and I was beyond impressed with his ability to respond to me—day or night even while he was on vacation! I’m so lucky I found him to help us with the entire mortgage process”
★★★★★
– Alex B


“Kris was knowledgeable, patient ,and a joy to work with.”
★★★★★
– Stacey M


“Kris was fantastic, highly recommend!”
★★★★★
– Keith M


“Kris is simply the best. From day one until closing he kept me in loop I’m overly blessed to have him working on my team. I already started recommending him to trends and family. Thx Kris for being GREAT RBN”
★★★★★
– Rodolfo


“Kris did an outstanding job and I couldn’t be happier with the whole process.”
★★★★★
– Jacob H


“Great communication and transaction!”
★★★★★
– Monica P


“The professionalism and service Kris and his team provided was excellent. I was a first time home buyer. Kris was great at explaining my loan options and made my home purchase easy. I highly recommend 1st City Mortgage. If I have friends and family looking to buy in Northern Colorado, I will definitely refer them to Kris Hocum and 1st City Mortgage.”
★★★★★
– Kerry J


“Kris was very easy to work with and was clearly knowledgeable in his field. He made it happen seamlessly!”
★★★★★
– Kayla H


“Kris is a wealth of knowledge and terrific to work with.”
★★★★★
– Matt G


“Kris was an absolute pleasure to work with! He’s incredibly knowledgeable and explained everything very well. It truly seems like he cared about us, our home, and our financial security. We’ll definitely work with him again!”
★★★★★
– Emma G


“Kris Hocum and the Megastar team were great to work with. The team always gives great communication and I feel like I truly have an advocate during the transaction.”
★★★★★
– Bryse C


“Kris does a great job. He is understanding, has your best interests in mind and has great availability.”
★★★★★
– Matthew M


“Kris and his team was amazing to work with. From day one (a year ago) Kris has always been there and always helpful to provide his advice on questions that we were seeking to get answered and we didn’t have any business happening with Kris at the time. He’s always willing to go above and beyond and you can see that in his results.”
★★★★★
– Jason O


“Due to the pandemic, we didn’t get to see Kris in person at all. However, he was extremely helpful, walked us through everything, answered all of our questions, and updated us frequently on the progress of our loan. Even though we weren’t as involved as we might have been under regular conditions, we didn’t run into any issues and our loan closed on time. Thank you for all your help!”
★★★★★
– Satisfied Customer


“Mr. Hocum was very informed and easy to work with on getting my loan.”
★★★★★
– Christie N


“Had a little hiccup at the tail end when some of the buyer info was submitted on an incorrect form. It was all rectified quickly and closing occurred on the original closing date.”
★★★★★
– Paul M


“From our first conversation to closing day, Kris was professional, responsive, and educational. He understood my situation and helped me achieve my goal. I will definitely work with Kris in the future.”
★★★★★
– Widmar S


“Kris is the absolute best. He has expert knowledge, solves issues as they arise, and communicates clearly and responsively.”
★★★★★
– Jon-Mark P


“Kris & his team are GREAT to work with. This is our 2nd experience with them.”
★★★★★
– Robin B


“Kris and Lu were absolutely incredible from start to finish. They were both extremely responsive and always took the time to address any questions and concerns. This was by far the smoothest loan app and closing we have ever had. They were both so professional and on top of it. We never had to worry about the details because Kris was so great about explaining everything. Kris and Lu are AMAZING!!!”
★★★★★
– Doug and Sarah M


“Kris took his time to inform me of my options. He is honest and knowledgeable.”
★★★★★
– Grant M


“Thanks”
★★★★★
– Sam H


“Kris is great! Very responsive and here for you every step of the way.”
★★★★★
– Gunnar G


“As a first time home buyer Kris helped walk my wife and I through the process and answered any questions or concerns we had. He was extremely helpful and professional!”
★★★★★
– Jamell M


“Kris and his team were responsive, helpful, and easy to work with”
★★★★★
– Nic R


“Kris and his team are great to work with and keep you informed through the entire process.”
★★★★★
– Kalpana G


“Kris made the process very pleasant and smooth. We’re very pleased and have already shared Kris Hocum’s name with two other families.”
★★★★★
– Todd B


“Extremely friendly, helpful, and efficient to work with!”
★★★★★
– Amy S


“Kris was a phenomenal Lender/partner in this process with my clients!! I have been a Realtor for 15 years and I have worked with numerous lenders in that time. He is one of the VERY BEST!! He exceeded all of my expectations. He had great recommendations for my client who had some non conformiing needs and we closed EARLY!! Great communication, very thorough, excellent follow thru, patient and willing to educate thru out the journey from beginning to end. I absolutely will be working with Kris again and this time on our personal home loan! True Professional!”
★★★★★
– Jacquejoy L


“Kris was extremely organized and kept us up to date on all aspects of our refinance process.”
★★★★★
– Colleen B


“Everything worked very smoothly.”
★★★★★
– Satisfied Customer


“Kris is very confident and knowledgeable, he takes the time to explain things so that the client has a firm understanding of their mortgage/refinance options and process.”
★★★★★
– Corina S


“Kris was extremely knowledgeable, friendly, and helpful throughout the entire loan process.”
★★★★★
– Chris H


“Excellent communication”
★★★★★
– Kyle W


“great over all follow through”
★★★★★
– Shawn K


“My wife and I couldn’t have asked for a better experience it was a pleasure doing business with Megastar. Everyone was on top of their game always keeping in touch whether it was a phone call or email through the whole process. Everyone was very kind and very professional; we are glad we were referred to Megastar for our loan.”
★★★★★
– Jarrod M


“Kris was always professional and quick to explain the entire loan process with us. He was always available to talk to when we had questions and he kept us well informed throughout our experience.”
★★★★★
– Stefanie M


“It was an outstanding service Kris was extremely professional on his work and made the process run very smoothly.”
★★★★★
– Zosimo L


“Super professionals”
★★★★★
– Anna M


“Working with Kris and his team was a breeze! Highly reccomend!”
★★★★★
– Josie B


“Kris has been a joy to work with. He was always kind, informative, & willing to go the extra mile to answer all my questions.”
★★★★★
– Heather K


“Kris was great, from beginning to end. Always available and friendly. Highly recommend!”
★★★★★
– Julie M


“Kris provided us with the best in customer service. He is super easy to work with and communicated with us the entire way to closing. Very smooth experience.”
★★★★★
– Ann and Carl B


“Kris did a masterful job educating my clients regarding their mortgage options, and his communication throughout the loan process was excellent.”
★★★★★
– Jesse M


“We asked for a quick close once we were under contract, and Kris and his team made it happen which was an incredible blessing for us to have more time to move.”
★★★★★
– Matthew W


“We’ve already recommended several friends and family members to use Kris because we had such an amazing experience working with him for our first home. I have nothing bad to say about all of his hard work making sure that we could purchase our first home!”
★★★★★
– Jessica W


“Kris and Lu made everything extremely easy for us. They did exactly what they said they would do — very smooth transaction and really great people to work with!”
★★★★★
– Kevin C


“I dealt with Kris and Lu and the were both very informative, professional and answered all my questions in an expert manner. I enjoyed working with them and would do it again.”
★★★★★
– Mike P


“Will definitely recomend Megastar to anyone looking to refinance.”
★★★★★
– Steve S


“Working with kris is always a pleasure. He always keeps me up to date throughout the loan process and is always available for questions.”
★★★★★
– Emily F


“Refinancing my home with Kris was a breeze. He did a wonderful job of listening to my needs and found the best option for my situation.”
★★★★★
– Brittney D


“I enjoyed working with Kris. He is very knowledgeable and was kind enough to teach us this process.”
★★★★★
– Carlos H


“I reached out to Kris with questions about my property taxes. He took the time to go over options for refinance with the new financial climate and gave me a breakdown on what my savings would be with a refinance. He quickly got the application in order with minimal legwork on my part and ended up saving me tens of thousands of dollars in interest over the lifetime of my loan.”
★★★★★
– Brian S


“Very happy with my lender Kris Hocum. He was always there to walk us through this process.”
★★★★★
– Susan S


“Both Kris and his assistant Alex Pope were excellent to deal with. One or both were always available to take phone calls and answer our questions. It was an effortless process.”
★★★★★
– Steven G


“No issues at all, and great communication.”
★★★★★
– Morgan M


“It was a wonderful experience working with Kris and Alex on this process! Kris was there for every step of the way and helpful in answering any questions I had, and Alex was extremely helpful in keeping me up to date and setting up any phone calls that needed to be made!”
★★★★★
– Peyton B


“Kris is a very knowledgeable and kind loan officer. He is very responsive and always tries to figure out the best options for his customers. We have worked with Kris for a couple home purchases and couldn’t be happier! We would highly recommend him for any loan needs. ”
★★★★★
– Brelynn S


“A very knowledgeable and responsive team, and I was very pleased with the service provided.”
★★★★★
– Dan S


“Kris was extremely helpful in looking for answers to questions, and even came to the house to pick up documents.”
★★★★★
– Linda T


“Kris was absolutely wonderful! He was timely, knowledgeable and just a joy to work with!!”
★★★★★
– Molly Z


“This was my 2nd loan with Kris Hocum. He took care of me and my family. It was a pleasure to work with someone so knowledgeable. Whenever I had a question I called him and he took care of all my needs! I would recommend Kris and 1st city mortgage group!”
★★★★★
– Joel L


“Kris is a great lender that I highly recommend.”
★★★★★
– Sam S


“Kris was amazing, kind, and so helpful for me and my family. We couldn’t ask for a better person to work with.”
★★★★★
– Reed C


Regulated by the Division of Real Estate | MegaStar Financial Corp® Headquarters NMLS 3043 | 1080 Cherokee St, Denver, CO 80204 | 1-(877) 922-8800 | Equal Housing Opportunity

“A good reason why you may want to offer below 5% is when you’re paying with cash (although companies who offer sellers cash for their home will typically offer 65% below market price).”

Publisher: HomeLight
Article: Is It Too Low? What Is Reasonable to Offer Below Asking Price
Link: https://tinyurl.com/2jp6kbmh

    1098 forms were mailed 1/22/2023. 

    If you have questions or need assistance with your 1098 form, please send your question to servicing@megastarfinancial.com.