Midland Mortgage Reviews

I don’t usually leave long reviews, but people deserve to know what my experience has been with this mortgage servicer. During COVID, I was approved for HAF assistance through HUD to help bring my mortgage current. That assistance should have stabilized my loan situation. Instead, the funds were misapplied in a way that created confusion and did not properly resolve my delinquency as expected. Even after receiving HAF assistance, I was still placed into a partial claim structure and later a loan modification with a higher interest rate. From my understanding, I did not need a loan modification or additional partial claim at that stage because the HAF funds were meant to address the delinquency. The way everything was processed did not align with what I was approved for, and it left me with a loan structure that is worse than before the assistance.

Worst company ever. They give the wrong information. One department doesn't know information from the other. They blew two modifications for me and was like oops and have us in a bad situation. This company is the worst. If you can get away from them run fast. One department says one thing and they give out false information.

I would like to express the appreciation for the excellent professional customer service that I received from Deatric #** this morning. She was very patient with me, and did not make me feel like my issues were a bother to her. I just appreciated her so much, and wanted you all to know. I asked her if there was a way that I could submit something to someone. Just wanted you to know.

Constantly (6x) having to pay out of pocket to get the same documents notarized, and overnighted to Midland Mortgage at a cost of $125-$161!!! Each time I'm told to send specific docs and once received the next customer service agent says "oh that wasn't correct" and you need to resend and wait. 1 1/2yrs of going back and forth with NO RESULTS!!!

I requested a home loan modification. After paying a lower trial period payment for 3 months the approval was the same amount from what my monthly payment was already. So how do you call this modification. This company is the worse.

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.