Citi Mortgage Reviews

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 **.