Midland Mortgage Reviews

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.

Unfortunately, my mortgage was sold to Midland Mortgage. They're insensitive and very difficult to deal with, whenever you have any type of hardship. I had a medical condition that caused me to lose my job and Midland wouldn't work with me at all. Chase was my previous mortgage lender and they were so kind, helpful, and sympathetic. I Steer clear of this mortgage lender!!!

The communication was very bad. They need to be retrain so that they are more respectful. The employees was insensitive and didn't want to listen at all. Constant interruptions while talking. Lastly they don't call back at all.

Midland Mortgage is the worst of all. We asking them to provide a NOTES for closing the mortgage. First they said they don't have notes. The notes is always exist in every mortgage when closing. After 2 weeks we called them again cause the mortgage I'm inquiring saying they should have a notes to provide. Then we called midland over and over. 4-5x a day. They said they will fax the notes. We have been waiting the whole time and up until now they still didn't FAx turn notes. The another mortgage I'm in is supposed to be closing next week. They can't submit the final documents to underwriter because we missing that notes that midland is so irresponsibe, full of lies and excuses. So hard to work with them. They don't care. Bad service of all. Don't even think applying to this company for mortgage.