i have a mortgage thru wilshire also and have received numerous "fees and charges" received that are unjust and have not been reimbursed as yet. We will see when the house sells at closing what all they tack on in the end.
I have been with the company for 3 years and the house in not in foreclosure and adds additional insurance automatically before verifying with my state farm that home owners insurance is pain in full and in effect. I still continue to get those notices at rates 3x more than normal. Then a week later I receive one that they have withdrawn the insurance when they received notice that it is covered thru state farm. The same thing happens with the property taxes.
It is a nightmare dealing with them. I get something in the mail almost every day about something wrong or they need proof of something.
Dont use them!