Midland Mortgage Reviews

After my sister passed, we have had a terrible time getting anyone to talk to the family, even after documents were emailed over 3 weeks prior. They kept coming up with excuses of why they had not processed the documents. Also, they sent a third party property management out to the house to manage the property since they said it was empty and not being overseen. Well, they were told the property was being taken care of but they sent out someone anyway. The third party company, HIVE REO, sent someone to the property and they broke off the backdoor lock and installed a new one. They also put a lock on the shed and water access.

I was awarded 186 and change for an Escrow overage and was unaware that the unopened letter with check was on my couch because it's been years since they gave me any overage, so I left the letter unopened. When I decided to clear my couch of mail, I found the check but the date was past due. I called and spoke with Jeff with customer service and told him the situation and asked if he could resend that check again. This was back around the beginning of the year...somewhere between April and May 2026. He said, "Yes, you should be receiving that check in 20 days."

Our mortgage was sold to this company, didn't know it was even being sold until I got a letter from Midland mortgage. I would never have gone with this company. They did not send in my payment for my homeowners insurance so my house was without insurance. Would not have known that if the insurance company did not call me to tell me this. Midland mortgage said they never got any information even though I called them and gave them the information. Do not go with this company.

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.

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.

These people are so incompetent! I spoke to them about my daughter doing a simple assumption and got all paperwork filled out and submitted. I called them several times to check on the progress. Each time I spoke to a different person. ALL knew that I was waiting to get released from the mortgage so I could get another mortgage with my husband. I called today and was told that I was not going to be released from liability. My daughter needs to complete a Lien Release form and show she can make the mortgage payment which takes 90 days!!! I even spoke to a manager and was told the same thing. I am furious that they are so incompetent and then make us wait another 90 days!! I would not recommend this mortgage company to anyone. They have to mail everything. No emailing, no texting. So frustrating!! DON’T USE MIDLAND MORTGAGE!!!

We have a problem with this company that called me a year ago and offered me a COVID-19 program for non-payments for 6 months that they only put them at the end of my total balance it only extended 6 months plus my mortgage, the 6 months passed and they called again that I was qualified for another 6 months under the same terms.

My mortgage company is holding a check from our insurance company. Released a little to us. We had a fire. We fixed the things up in the house and still will not release the rest of the money to us. Not good.

A few months back I switched to another insurance company, lowering our house insurance by $600. Recently our taxes increased by about $600. I was billed $146. for escrow shortage and an increase in mortgage payment which I don't believe was short anyway. I paid the shortage over the phone yesterday which should have kept the payments the same but was informed the payment would increase anyway. I was told that payment was only for the first half of the year so I asked to pay the other half.

I am writing this review to express my extreme dissatisfaction with the way Midland Mortgage has handled my escrow account. As a customer, I have encountered numerous issues that have left me frustrated and disappointed. The primary concern revolves around the projection of escrow payments for the calendar year 2025. Midland Mortgage has projected payments that are double the previous year, despite the fact that my insurance company, Home Owners of America, has not yet conducted an assessment and is expected to reduce my payment. This discrepancy raises serious questions about the accuracy and fairness of Midland Mortgage's escrow management practices.

Please.... file a complaint with the Attorney General in order to save your house and have your case heard. Midland Mortgage is a very corrupt company, manipulator, create confusion, look for easy prey and will lie in your face and deny anything and everything. We are all dealing with similar issues and with forbearance during Cov-19 and they are refusing to offer any programs or alternatives. Complaining here won't do much for your case.

My mother's mortgage was sold to Midland in February 2023 right after her husband died and the COVID deferments ran out. Took over a month to be able to access the account and any attempt for loss mitigation has been denied. We've been working with the emergency mortgage assistance program to help pay the late amount but Midland ignored all of their attempts to contact them for months. It took multiple government representatives reaching out for them to finally respond last week. The house goes to auction in a couple of weeks and I'm beginning to think that Midland is just sandbagging us to make sure that there's no way for us to keep the house. They dragged it out so long and tacked on so many outrageous fees that the amount owed is now more than the max amount that the grant covers. Do not willingly go with this company. If you have other options, use them.

During Covid we like everyone else were shut down and could not work. The tenant did not pay the rent and we requested a forbearance. They stated that there would be options at the end of the forbearance. When the forbearance was over we applied for a modification. We keep applying and they keep denying it. They say that they want to keep us in our home but they have no solutions. We are in our mid 60s and are working and are paying the mortgage monthly. They have not given us any options for the arrears and there is no one to escalate the matter to. We own two other properties. One of which is a conventional mortgage and those banks immediately gave us modifications on pace the Covid forbearance period was over and we are current. We are reaching out to get some assistance in working with this impossible situation.

This company is criminal. Complaints won’t work. Call your local state representative, contact the Attorney General, call a lawyer. They don’t care about reviews, everyone needs to band together and file a lawsuit against them.

My mortgage was bought by Midland Mortgage in December of 2022. It took four months for my payments to show up at the credit bureau… This is due to the fact that they don’t report your payment until 2 or 3 months later. It is the end of June and April’s payments haven’t been reported yet!!! This makes it nearly impossible to refinance because a lender cannot see your updated payment history. I’ve placed multiple phone calls, written numerous emails, and get a different answer every time. No one follows through with what they tell you they will do. Their customer service is horrible. If anything gets escalated then you have to email a different department and hope that you hear a response back. Buyers beware!!! Do not do business with Midland Mortgage!!! If I could give negative stars I would!!!

My mortgage was sold to Midland by Chase after 25 years. What a difference from good to bad Midland contacted me a month ago for some paperwork. They wanted me to sign they said they would FedEx it to me next day. Lies. It’s been a month and 8 phone calls to them different story every time. Some of the people have been nice but one who barely spoke English was very rude and outright lied claiming they sent paperwork and was left at residence but apparently not mine saying it was the law. What a lie. Looked it up and it doesn’t exist. Asked for a supervisor who was nice but confused. Explained what was going on but we will have to see what happens. After reading the reviews I am not too happy with this company but what can you do.

I was approved for a grant to bring my mortgage current. Midland Mortgage call me in September to go over the remaining payments amount. They gave me 3 options with the grant amount. They also said I couldn’t pay the remaining balance cash that I had to do an interest free FHA loan for the remaining balance. They sent paperwork out to be signed before December 5, 2020, for the interest-free loan and told me the grant from the state would be applied in about 3 days give them a week and everything should be current by then but you pay for your mortgage payment on January 1, 2023. That was done.

My mortgage was sold to MM from CitiMortgage in 2015. MM received my loan with what was presented to me as a FHA HAMP Loan Modification that was listed as completed in May 2014. I made many, many trial payments before the modification was “signed” as completed finally in October 2014, then my loan was sold to MM. Fast forward to the present day-I’ve found out that the loan modification that I am still being held to was not a FHA HAMP loan modification! What was done, was processed as a forbearance agreement without my notification or my consent. It was NOT completed in May 2014, and it was sold fraudulently to MM. MM was aware, and they decided to continue the fraudulent practices from March 2015 to present.

Worst by the far the worst mortgage company I've been with, worse than Wells Fargo and that tells you a lot. They hit you with unrelated fees monthly and wait 6 months before reimbursement, they violate RESPA on a daily occurrence and the CFBP does nothing. I've file 3 complaints with the CFPB and that still doesn't get their attention. Their associates are like talking to a wall and if I could see the looks on their faces they probably look like a deer got caught in headlights. I will continue to file complaints against them. Hopefully they will get fed up and sell my loan.

Our loan was bought out by this company during our CARES Act mortgage forbearance. We had signed the loan modification to restart our loan and kick everything to the back. While the signed papers were in transit, Midland bought out our mortgage. It has been hell since. First they didn't accept the agreement signed from our previous bank. Didn't contact us for two months, we didn't know who bought our loan, just that it had been bought. The staff that answers the phone and who you are transferred to are some of the most incompetent individuals I've ever dealt with. They talk over you, answer questions you didn't ask, EVERYTHING takes 3-5 business days.. Even though 3-5 business days has turned into 5 months trying to get something concrete with these people. They will say something in one sentence and contradict what they said the next.

Our mortgage statement showed over 6900 on escrow in November 2021. Insurance and taxes were paid December 2021 for 3800. Now Jan 2022 statement shows a negative 5900 in escrow. Those numbers do not add up. They claim payments were not made for 6 months but yet we have receipts showing payments and statements showing payments. Thus company is full of crooks. They screw you out of every penny the can.

I very rarely write reviews but after seeing all the negative reviews I had to respond. Our mortgage was purchased by My Midland Mortgage from Citimortgage about 10 years ago. From the start I have never in 10 years had 1 problem! I love the online portal to handle all your payments, payoff options, to receive tax and escrow information. Midland was the reason that I found out that the original seller of my home, had STOLEN it back and place the deed back in his name. How was this possible? I have no clue but upon receiving my escrow balance and showed a -negative balance and my mortgage increase $100 out of nowhere.

My Mortgage was sold to MM from the collapse of Irwin Mtg in 2001. I had a few run-ins with their attorney whom I quickly got under control. Outside of that MM has been awesome with everything I needed up to the pandemic of Covid. At no time did they lose communication with me or I with them. We have a great relationship and I am very happy with them as my servicer. I've worked with them many times and it has always been successful. These negative reviews may be correct for some but my experience has been the total opposite!

I moved to Alabama to care for my stepfather of 30 plus yrs as my mom passed away in Oct 2013. I retained a attorney to represent my family and they refuse to allow me to buy the property. House has not foreclosed.

Midland Mortgage Staff members are very rude and unprofessional. They said one thing and do completely the opposite. When I sold my house, I called to confirm if final payment was received and they claimed payment was received after 5 pm. And they reported payment late.

Midland bought the mortgage on my home in Caldwell County, Texas. Tried to refinance for a better interest rate and was assured they would work with me as I was at the time a long haul truck driver. Needless to say the refinance fell through. Then the they claim I had never tried the refinance my and would not do so because they did not have a physical presence in Texas. My credit union's records proved they lied.

My experience has been the opposite of many reviews here. My mortgage was sold by Chase to MM. I had a rough couple of years financially for several reasons, but MM was communicative, supportive, and very patient. I never once talked with an agent who was a jerk. They slapped me with late fees, but who wouldn't? My only complaint is that EVERY phone call takes sooooo long because they have all these scripts & interrogations they HAVE to go through.