Citi Mortgage Reviews

My experience with Citibank’s home loan process was very frustrating and unprofessional. I originally worked with **Brandy ** (NMLS ID: **)**, but early on I felt she was not a good fit for us. After having trouble getting responses from her, I requested a different lending officer and was reassigned to **AJ ** (NMLS ID: **)**. AJ then sent us a preapproval letter, which made it seem like he was now fully handling our loan.

Mortgage loan in 2006 for $68,000. The first page of my loan documents was detailed spreadsheet with indicating $67,500, monthly payment, interest, due date and location to send payment. It also had a section misc payments. First amount was $850 broker fees. Second amount was closing cost for Citimortgage rep to travel from South Dakota to Indiana, $1750. The third item listed was $486.72 for Single Disability Premium. Those fees was deducted from the $67,500.

I would give 0 stars if I could. This team is the worst to work with, delayed closing 3 times. Give false hope and asks for an insane amount of documents. DO NOT go with Citi!!!! Would NEVER use them again.

I had a Mortgage with Citi and I refinanced the loan to a lower interest rate and then the loan was sold to NewRez. Citi never released the lien and they didn't use a title company nor title insurance to make sure that when the loan was sold that the lien would fall off. This all happened in 2013 and now I am trying to get some equity out of my home and I can't due to this level of incompetency. I have reached out to them via email cause there isn't a way I can actually talk to a human being!! They need to get their crap together and fix themselves.

I currently have two home loans with Citibank mortgage, my prior loan officer left for another company. Dealing with Darren ** in Newport Beach, CA. It was very difficult dealing with him, lack of communication on his part and a very slow process. I would not recommend using him as a loan officer. Never once in 10 days did he bother to call me to have a conversation about the loan I was looking for and what my goals were.

My experience with Citi Bank Mortgage has been extremely disappointing due to persistent delays, lack of communication, and inefficiency from the team handling my loan application. I have been working with Francis **, Yuleisy **, and an unnamed underwriter, and despite my repeated efforts to expedite the process, my application has remained in progress for over five months. From the beginning, I made it clear that my loan was time-sensitive. However, despite my proactive approach—consistently emailing to confirm if additional documents were needed—I repeatedly received responses such as, “No, you’re all set.” Yet, weeks later, I would receive requests for the additional information which I had already submitted multiple times.

This was one of the worst processes I have ever been through. The amount of information I had to provide was ridiculous. I am a well-qualified buyer requesting a relatively small mortgage loan. The lender disappeared halfway through and the processor was incompetent. I submitted reams of information and it was never enough. I was even asked to write a letter stating why I was late on a credit payment from six years ago! After 5 grueling weeks, the condo was not approved because work wasn't finished on another building in the complex. It was beyond absurd. I did not feel respected or valued through the process. I felt like a criminal. Luckily I found another lender and was approved in a week - the process was so simple. I would highly recommend you find another lender.

We applied for a home mortgage from Citi Mortgage. The underwriter asked for supplement documents almost every day and this situation lasted for almost one month. Our closing date was delayed three times, and now the seller is planning to sue us because the closing dates are delayed repeatedly. On the planned closing day, they informed us we are not qualified for the mortgage.

Citi Mortgage offer the worst customer experience. They advertise on their website about a relationship pricing based on net assets kept with Citi. I have been with Citi Bank/Investments for over 2 decades now. When the time came to get a mortgage Citi denied to offer a relationship discount. They had no explanation about the whole process. Their marketing gambit is a scam. Also the rate Citi Mortgage offers are way higher than other and I suggest to ensure you hit bankrate before even thinking of Citi. Citi mortgage is useless and if you have enough time on your lap, please get entertained with them. Since you won't get any end result.

I have three mortgages with Citi Mortgage and trying to refinance two of them. After paying $995 for each mortgage to have appraisals done, I feel like I am getting the runaround. It started out good with the Mortgage Loan Officer, with the exception of me having to activate my student loan payment to show how much I will actually be paying back, when my loan was actually at $0 dollars until my recertification next year. This was unbelievable! Anyway it reached the processors desk and it is impossible to get a return call. Last response I received was an apology that she tried to call but her headset wasn’t working. What in the world is that to tell a customer. I have sent over the same documents multiple times. Then the one document they requested was my husband’s VA disability certification and wanted it to show how long he’ll receive this pay. It’s obvious that they are not educated on how VA disability letters work.

Citi Mortgage changed our "locked rates/points" they raised the locked points at their end. Even it's signed/confirmed disclosure existing. No info has changed from the signed disclosure over the final underwriting period, but they raised the points, and our address to correct is being ignored so far. I should have read all reviews here. We felt totally trapped and being ripped off by Citi Mortage and especially, Jordan ** in Texas, who's our loan sales representative. His total unprofessionalism & bad communication is the worst of this whole hell.

I needed to get information regarding an appraisal, I called the Loan Specialist as well as his Supervisor, I attempted to contact them numerous times via phone and email, I escalated the lack of communication to the 1800# to only then be advised I'll be contacted within 24-48 hours. Customer Service is horrible!!!!

We refinance with Citi. Been a customer for years. In the escrow analysis was due refund, Called CitiMortgage at least nine times. Have customer service rep, was told we would get refund. They took refund from old loan and applied toward the new loan. They also in the disclosing amount took money for taxes and insurance for nine months which was financed in the loan amount. Seem underhand work done, Called again. Asked or a supervisor. Never received call back. After the tenth call just gave up so writing a review they are tricky and never give you a answer, Will wait until the end of year for refund once they see they have our money. Will never refinance with this company again.

I am going to try to be fair here. First I have a Best Buy account (Citibank is the bank); and I've never had any issues with it. That being said, I want to share something else that really concerns me about Citibank. And that involves home mortgages. I understand, from several online sources, that Citibank continues to package up their new mortgages; and they pass them over to Cenlar. So if you are in market to buy or refinance your home, watch out! I had Cenlar as my home mortgage servicer until last year. And I say, think very long and hard before you apply for a Citi mortgage b/c (unless anything has changed since last year), they continue to partner with Cenlar. And that is very bad news for the end consumer!

I thought refinancing with the same company would be quick, easy, and painless.. The property is two years old and I have 800 credit score.. I provided all of the necessary paperwork immediately, but for some reason something else is always required or I given another excuse.. I have worked with four different employees from Citi that I now CC on every email.. Complete joke.. I can't wait to finish this process so I can refinance again with a different company to get the hell away from Citi.

CitiBank was happy to take my $685 for "upfront fees" but my loan officer Eric ** never replied to my calls or emails after they got this payment. Seems like a scam. They would not respond, either Eric or the loan processor Avis **.

I want to echo the experiences that several others have posted here regarding the refinance process with Citi Mortgage. I applied for a refinance of our 30-year home loan in October of 2020 to take advantage of a promotion offered at the time to reduce our closing costs by $1000. They were able to take our information quickly and lock in a lower rate. We were told we would be able to close in approximately 30 days. We waited patiently for 6 months to get our loan finalized. During that time, we were asked to submit our most recent paystubs multiple times. Our credit was pulled a second time because the first report expired after 90 days. The status of our application was always "Your Loan Application Status: Credit & Income Approved" and that they were waiting for underwriting to finish. It was nearly impossible to reach a loan representative to get an update.

Citibank is delayed by 7+ months processing home loans; Keeping sellers trapped in the homes they need to sell, preventing buyers from owning a home, and destroying the livelihood of the agents involved with the sales that depend on the commissions to earn a living. I'm an agent in Queens, NY and two of my deals have been severely delayed by Citibank's underwriting department that is apparently unable to review and approve or deny home loans. They are keeping everyone in limbo while trying to play catch-up, still taking on new applications, and deals are starting to fall apart over this. I'm hearing the same from multiple agents with other real estate companies. DO NOT ACCEPT AN OFFER FROM A BUYER USING CITIBANK! ***IF YOU ARE A BUYER, CITIBANK IS WHERE DREAMS OF HOMEOWNERSHIP GO TO DIE!!!

I applied and was approved for a refinance to lower my interest rate in October, 2020. It it now the middle of June, 2021 and still no closing date. I continue to get calls and emails that documents have expired and I must submit XYZ by a certain date. Ok... I’ve sent those 5 times. I’ve had the same job for 17 years, same house over 20. They’ve had to pull my credit report twice, due to the length of time, it’s expired. The second time was in Feb. I’m sure it’s due to expire again soon. My daughter bought a house and start to finish, closed in 30 days. I’ll celebrate an anniversary with Citibank if we make this last all summer. What a joke... I can’t even get an answer back from anyone about a refund of the $1k prepaid closing costs I gave them in November to just move on with a different lender. Never again. Use anyone else, literally ANY OTHER BANK!!

A simple refi to lower interest rate started in early January and still lingers. The customer service was less than 1 star. We had an existing gold star relationship with CITI and escalated several times with zero progress. The CITI strategy is to delay and then request updated information-multiple times. We provided an encyclopedia of requested documents and they are clearly overwhelmed. We will discontinue business with CITI with zero regrets. We are researching FBA complaint process.

I started the process of refinancing my coop on September 19th and after submitting the required documentation weekly/monthly and not hearing for a couple of months I started to reach out to my loan officer after the Thanksgiving holiday. After speaking with him in early December and insisting he look into what the delay was, he informed me that there was an issue with the coop lease. I requested a refund at that time and was told I couldn't get a refund because the issue was on my end. I reached out to my coop management to be told there were no issues with loans and Bank of America and Chase were processing loans without any issues. When I reached back to my loan officer and advised him of this and requesting a full refund I was told I couldn't get a refund because it wasn't Citibank's fault. It was on my end.

So my loan started off with CitiBank which provided top notch service with my mortgage and customer service but then they transferred my loan to a subsidiary called Cenlar (still owned by Citi) and I had a few issues including 2nd rate Customer service compared to Citi and errors on my Credit report that I had to dispute.

Inferior and unprofessional customer service. I wonder why CitiMortgage put an unprofessional person to assist a customer. CitiMortgage is losing a customer because of those poorly qualified people. They better take action! The rude lady national... ID number is **. She does not deserve to be servicing a customer.

Financed home in 1992 with a company that "sold" the mortgage prior to 1998 to CitiMortgage. Refinanced with CitiMortgage in 1998. When selling home in 2020 we find out that proper lien release was not filed for the 1992 loan when CitiMortgage paid off their own loan. Money had to be placed in Escrow if we wanted to sell the house without a clear title. Dozens of emails from me and the closing agent at our title company and 2 months later we still have not been notified by Citi that this lien release has been properly filed so that we can get our funds from Escrow.

Citi mortgage is awful. We tried to pay off our mortgage and they would not let us see. Had to certified check. They send us the amount left and asked if we knew what day we pay it off. How do we know until we get the statement. Because of interest stupid lady on the other end said got to pick a date then 22 dollars for that paper. We then have to wire transfer the money and if it's not done right a few is involved. That not all. It has to be approved by Citibank. We are So very very angry that we can't just send our last payment to them. It's now costing us over a hundred dollars they are charging us and if they don't approve it or it's not the specific amount they will send it back and charge us 200 hundred dollars. What company. They scam people. Something gotta be done about this company.

The representatives not easy to work and too complicated! I have to repeat the questions and did not got any answers! CitiMortgage representatives need to listen more and redirect customer to the right departments.

I contacted Citimortgage around March 10th to request a refinance based on the fact my co-signer died 1 year ago & I am on a fixed income. The terms offered seemed to be a godsend but when told I would have to pay for a new appraisal even though I told the loan officer I'd had a new appraisal done 2 weeks before & I could not afford to pay anything out of pocket. I understood him to say he would get the $712.47 waived since I've had this loan with them since 2005. Wednesday I received a call from saying that I needed to pay for a credit report $22.47. I explained I had to wait until I received a new debit card since I had to have one reissued after a recent fraud attempt on my old one.

Unprofessional, took months to get it set on automatic payments which resulted in late fees and a mark on my credit score. There is no branch or human person to talk to in the I'll area. They barely speak English.

Next time I decide to finance anything probably will be with another company! That's all! Would not recommend them..I a very bad experience from start to finish! Not very understanding and lies to customers...Once again that's all that I'm saying....

They were so easy to work with. It was incredible! I have tried to work with other companies but they were way too complicated! Repetitive questions and overkill with the paperwork! Citi Mortgage was very easy to work with!

I have had loans with them in the past. They are good. Great customer service and will treat you like family..They are a top ten to me. They work with you to help you get the loan you need and the payment are in your budget. I love doing business with them.

Citi Mortgage contacted me a couple of years into my mortgage and offered a re-fi for a really good interest rate. I went through the application process and was give a tentative approval. Then while waiting for the final closing, without warning, I was sent a notice of rejection and the loan was cancelled without notification. The reason they gave was lack of adequate income but they had somehow missed the approved income and the person who wrote the mortgage was on vacation so the cancellation was not caught. I had to escalate the problem to the next level manager who, after several calls and explanations, finally got my mortgage approved. Closing then took another month. Then, a couple of years later Citi sold my mortgage to another lender.

My estranged husband made arrangements to pay past due of 2200 in Dec 2019. I never heard from them or got a certified letter stating that he never paid it. When he asked for amount he asked to include Jan also. Well Jan 15 2020 I got served with foreclosure papers. When I called upset trying to tell them I never got informed of him not paying if I did I would of somehow paid it myself, for I’m not losing my home over 2700 (now this is the amount). She was short with me and said basically pay the amount or the steps will proceed in foreclosure. How unfair!!! I have had the house with the first mortgage since 2000. And I’m in good standards with them.

When it was time for a refinance Citi had already decided to offer me an option that saved me hundreds of dollars per month without adding to the term. I would call that really good customer treatment.

They sent me papers without my consent to sign for a lower payment in 2008 (during the recession). I did not know at the time that it was to pay off the interest and hardly pay any principal. I still have the paperwork where erroneous people signed the paperwork. Remember, nothing was discussed to me at all. The mortgage has been taken over by yet another servicing company. The mortgage was kept the same way where 95% is paid towards INTEREST and the other 5% is paid to principal. It was not that way initially.

Scam- just the wealthy ripping off the 99%! Homes used to be bought outright- lobbying firms bought congress and now they want to steal your homes through reverse mortgage. Come on people- fight for your right to party!

I also was a CitiMortgage customer who got stuck with this Mickey Mouse mortgage company. They keep saying I didn’t pay my April payment, despite me having back records showing that I did. They said they will have to investigate it, and said "It’s ok. It won’t go on your credit report right now," which was a lie! I’ve even offered to email them my bank statements to show I paid, yet they won’t listen.

Having a second mortgage for 20 years. Stellar repayments! Our home suffered a water loss. We fought with our insurance company to get the amount needed to restore our home. Insurance added Citi on our check. They escrowed it and have been making us jump through hoops to get those funds released so we can at least get our job fixed. It’s going on TWO years. We have to pay on our home and hotels/apartment. They did escalate us to resolution department after misplacing our funds, we fax info they request and it sits on desks for weeks. They insist in inspections to see progress... We have no funds to get things progressed!

Started signed up for a modification started the process. Nothing but a lot of paperwork they could never keep track of. They ended up putting my property in foreclosure. My lawyer said it's called dual tracking, against the law but still happened. Company is the worst. So are their reps.