Midland Mortgage Reviews

Worst cons in the business. My house insurance increased 153.00 this year, was notified by my insurance company in October so I sent the house payment plus the increase to Midland. My taxes decreased by 12.00. I am now told I have a shortage of 4.00 + and my payment will only increase 11+ IF I send in the shortage of 11+. How do these people get away with this, year after year. Every year I go through this with them. Legal aid even sided with them one year because the so-called attorney was not qualified as a real estate attorney and could not understand the fact I PAID the shortage before the new year began. I am ready to sell or refinance with another company to get out from under the crooks but halfway afraid somewhere down the line I will get sold back to them again.

Midland Mortgage does not update, and report to the credit bureau in a timely fashion, they are very quick to report late payments, which I thought a late payment was considered late after 30 days, or more. I saw nothing in the contract that stated otherwise. I've made payment on time for years, and have been very slow about reporting to the credit agencies my countless on-time payments. They have just reported a delinquent payment for me paying 16 days late, where is the fairness in that??

Zero stars. The very worst mortgage company ever. Every year since my spouse died in 2019, they force me into loan modifications. My house payment has gone from 800 monthly to 1400. Predatory liars. File foreclosure papers on me yearly, hold payments in unapplied funds and charge me a 25$ fee every month to send a person by my house to take pictures and watch to see if I still occupy the home I've lived in for 28 years.

A scammer filed a fraudulent mechanics lien against my house in the amount of $80,000. Midland Mortgage refused to help me. They locked me out of my account and cut down all communications with their customer service department because of litigation filed by the scammer. They hired an attorney which attacked me and gave support to the scammer's attorney. Five years later, the case is still active. Because of the scammer clouding my title to my home, I was not allowed financial assistance to maintain it and my home is left rotting and in disrepair.

The absolute worst mortgage company. Customer service is terrible. Computers are always down. Constantly raising escrow. Two plus years behind on updating. As a homeowner you should have the option on who the mortgage is sold to and my condolences for anyone who ends up with this company.

Midland offered me a “hardship benefit” to defer payments while I was struggling to pay my deceased son's mortgage and my own..I’m retired…I gladly accepted! After the hardship time frame, they put my son's home in foreclosure, despite the fact that I was started paying more than minimum payment, double or triple payments…He only owed 25 thousand on his mortgage…For reference, I also lost another child the month after the “hardship” ended…They are scammers!! Do not accept any so called help from this company!!! I’ve been fighting them in court for almost a year!!

I would give them less if I could. Tried to refinance years ago and they stated they were not licensed to operate in NY. If they are not licensed where my property resides what are they doing with my loan? Also I requested a payoff statement, and you cannot pay it off online or over the phone... Did I wake up in 1950? I would advise anyone to find any other lender to hold their mortgage. If I couldn't find someone else I would continue renting an apartment or live in a tent before I went with Midland!

I have had my home mortgage for 11 years & Midland Mortgage took it over from Sunwest about 8 years ago. I have had excellent customer service experiences. I have received documents when I have requested them. Their customer service is great. They do what they say they will do in a timely manner. I decided to stay with them & keep my current mortgage rather than refinancing or obtaining a Reverse Mortgage with another lender.

This company is playing with my insurance monies, it has been over 3 months since my insurance issued me a check and Midland Mortgage has had it in their hands. I’ve been waiting for disbursement of this check to fix property damage for 3 months!!! My insurance company had to stop payment on first check and re-issue another check, I’m still waiting. I’m told it must be lost in the mail, but yet I receive all my mortgage payment bills on time every month. Something is not right with this situation. I feel that they are using my monies for their benefit and I have to keep calling and requesting my monies only to be told that they’ll send a request in to management for approval.

After 359 payments from the same bank and same checking account, over the phone, the Midland Mortgage could not take my final payment over the phone, for….I don’t know why. They promised to send me a payoff notice, but didn’t, been waiting a couple of weeks. Now because the payment was overdue on the 16th, it is the 13th, they are going to assessment a late fee on the payoff….Because they wouldn’t let me pay it! And on top of that, they actually owe me a substantial amount for leftovers in the escrow account. I think it is just incompetence and fee grabbing. I owe less than $200, and they owe me about a $thousand.