BSI Financial Services Reviews

We started the refinance process on our home loan with BSI Financial on October 9, 2025. As we went through the paperwork requirements, we were informed that there would not be any out-of-pocket costs except for the cost of the appraisal. They did not honor this and changed the loan documents without notice on the day of closing. After speaking with several BSI representatives, including JJ **, Pamela **, and Matt **, they refused to honor the agreement of zero due at closing. This company is dishonest and predatory. We will no longer do business with BSI Financial Services.

I would give zero stars if possible. My loan was sold to BSI Financial. It's been nothing but a headache. Calling saying my loan payment is late. I was set up for biweekly payments. Now they just take the payment whenever the hell they feel like it. Payment is due Nov 1st. They withdrew the money on Oct 27th. WTF!? Avoid this company like the plague.

This is the most ignorant bunch of people I have ever dealt with in my life. We refied our home loan. The note was paid to them on Sept 23 2025. However on October 1 they withdrew our payment after they were paid. It has caused us to overdrawn our account. Management nor anyone else has been any assistance to us telling us 15 days from when the withdrew the payment before they can replace the money in our account. I would not recommend this company under any circumstances.

If I could have chosen -5 stars I would have. Worst mortgage servicer I’ve ever encountered and this is my 5th. I didn’t chose them. Premier Bank sold my loan to them, so if you’re considering doing business with either of them, I would strongly encourage you to reconsider. Find a mortgage company that does NOT associate itself or sell their mortgages to this company.

Are call centers a thing of the passed. One week BSI has a call centers & then poof they’re gone. The AI assistant is stuck on stupid as well. Unfortunately we did not choose BSI, they purchased our loan and it’s been different ever since. DON'T RECOMMEND

I have a home equity loan with this company, I never applied for a loan through this company, my loan was transferred to this company and it's been living hell, they have sent paperwork to me for me to sign off to make them the primary lender, the female call 2 times a day for very small loan which is 35,000. It would be less than this, but they have added additional fees,, this is the worst company I had ever deal, if you can try to refinance, I'm in the process of selling my home to get rid of this slime balls.

Extremely Disappointed - Worst Mortgage Company I've Dealt With in 24 Years. As a seasoned investor who has owned 9 different properties over the past 24 years, I can confidently say this is the worst mortgage company I've ever worked with. Their practices are misleading and seem intentionally designed to squeeze extra money from customers through escrow mismanagement and unjustified late fees.

A heartfelt thank you to BSI Financial and especially to Joy. I’m currently going through the Loss Mitigation process with BSI Financial. Although the process isn’t over yet, I feel the need to write this review because from the very first call, I was treated with care and respect. When I first contacted BSI, I was in tears. I was terrified that I might lose my home to foreclosure. But then I was connected with Joy, and she truly lived up to her name. She didn’t just assist me with the paperwork — she listened to me, calmed me down, and guided me step by step through the process.

Several of my loans servicing rights were sold to BSI recently. So far… so bad. Four of my mortgages were turned over to BSI and they have no way to group them. I have to pay each individually on their site. Four separate accounts with my payment information on each. I have zero faith in this company and their system (which seems obviously dated) and now my info is in 4 places. Not to mention the time suck involved in logging on 4 separate times to make these payments. I could do auto deduct, but with reviews I have read and the complete disaster this has been, I would be seriously foolish to trust them. I have no option but to deal with these people. Super excited….

Tried to switch to my wife's bank account for autopay after 5 yrs of using my account. Do not know why it wouldn't work but still didn't work after 3 different attempts. Offered to mail them the payment and they told me not to do it, they would get it worked out. Finally had to switch it back to my account to get them paid, then they reported me as 30 days delinquent to all agencies the day after I paid them. Asked them to remove it and they told me no, despite an excellent past payment history and proof that I had tried multiple times to pay them multiple different ways. Even tried using a debit card to pay them but they do not accept that method. They a heartless, soulless heathens.