Reviews: CitiMortgage

I liked my loan officer. She was knowledgeable and helpful, but the Underwriters kept asking for more documents and adding conditions in a piecemeal fashion. The loan took longer than expected, but I ended up with a very low rate and low costs. The experience was frustrating at times, but had a good end result.

In my experience, the loan officer seemed stumped by my circumstances, which were not usual. I'm married, and I qualify for a loan alone. The kept wanting to add my spouse to the loan, and I kept sending back the paperwork with my name alone. This was frustrating, because my spouse's name was never included in the application or the credit reports. I would have saved a lot of time and bother had I lied initially and said I was single.

My loan process was uneventful and easy. My LO was friendly and knowledgeable. I got a good rate. I feel fortunate to have locked in such a low rate.

Even though citimortgage seems to have branches everywhere, that does not mean that their mortgage loan officers are responsive or quick. I guess you are up to the luck of the draw and need to get lucky with a good citimortgage person, or else go somewhere else.

I appilied for a Home Modification and was told by another representive, that I didn't need to make mortgage payments until my Modification went through with CitiMortgage and that the payments would defer to the end of my loan. Nightmare! The Modification was denied FOR LACK OF INCOME ! My representative told me if I paid the $23,900.00 past due I would receive some principle & interest forgiveness. After bringing my morgage up to date they then told me I had to reapply for another home loan mod for these options! Then Citi sold my mortgage to another firm and i have to start all over again. Never again will I use Citimortgage. They are too big and bureaucratic.

I just did a streamlined refinance of an existing Citi loan. Minimal paperwork and a low rate. I am quite pleased.

Citimortgage will try anything to squeeze more money out of you. They offer you a free service (goody bag?) that you may cancel within 60 days with no charge, and when you do cancel, they add it to your statement anyway. When you call to complain, they tell you there's another program you must cancel. But, they never tell you that in the beginning. When you call their "customer service" (ha!) you get someone who speaks English poorly. Citimortgage is a Nightmare!

Why Does it take Citimortage such a long period of time to return moneys to a 100% disabled vet that has been declared tax exempt by the state of texas. the amount sometimes totaling several thousands of dollars should be returned asap !

Requested an extention of on months payment. Was called daily for that money said extntion could take 6months to be approved. I doubled up on my payment and finally got caught up. Now I see a extention of interest on my monthly statement but payments are still current not imonth ahead. Will be glad to pay off my loan and will NEVER use citi again. Cost is more than they tell you.

This company has been a NIGHTMARE to deal with! You talked to 30 different people, each of whom do not have a clue what is going on! One person tells you one thing, and then someone else tells you something different and they mislead you, and all they care about is getting your money. There were instances where we were MISLEAD on the phone regarding payments and our account status. AVOID this company and go somewhere else!

In the process of refinancing my ARM to a fixed rate I called citimortgage. I was treated extremely disrespectfully by the consultant they connected me to when I told him that I needed some time to process all the numbers that he was giving me (throwing at me). When I called again to speak to another consultant they put me on hold for 25 minutes. I've moved forward with my local bank andwill never use citi again. Terrible customer service.

Told by citimortgage at the finish line that we didn't have enough income to refinance. What about our equity? Loan person was terribly inefficient. The appraisal was a slap in the face as well! How did we loan them their money for a bail-out? Did they meet OUR credit requirements?

Just off the phone with citimortgage customer service inquiring about a property they have the note on that was forclosed. I could not find anyone that knew what I was talking about, and was hung up on when asked for the number that handles matters like this. When I do find the facts about this property, if it's in our interest and do want to purchase it, citimortgage WILL NEVER be an option as our loan. I feel for anyone who has to deal with service like this. Mike R. Port Orchard, Wash.

Trying to deal with this Company is about impossible. You never,ever get the same person twice and inevitably the service rep. states " I can't help, you will have to talk to so and so dept" and this can go on for an hour or more, getting more and more frustrated. They do not want to talk to their customers.

your letter today (dated 09/19/11) stating that you will be my Homeowner Support Specialist. Thank you for your personal response since my return from the hospital September 01, 2011. I did try to phone, I would guess it is after hours your time. I am now back home and am just now getting caught up on incoming mail. Please let me know the best time to contact you via the phone verses postal mail or email. You lie about a return contacts as well as changing persons documents. GO TO JAIL THROW AWAY KEY

Citimortgage did an ok job on my refinance loan. The best thing was that their loan rates were low. The bad thing is that they move so darn slow and we were doing ALL of the work on our mortgage application ourselves and it was still like pulling a donkey up a hill. I'd recommend testign the waters with a few mortgage brokers and see which one is most responsive, and pick that guy.

terrible communications

I had a 7 yr. balloon note that matured on 8/1/10. They sent me a letter in July saying that they made an error & sent out my notice too late. They asked if I wanted the note reset for the remaining 23 years & I said yes. I completed the paperwork in Sept. 2010. It never got reset. Then in June 2011, they sent me a Citimortgage check returning my monthly payment. By this time, I no longer received statements and was not allowed to use the website to make payments. I had to pay by phone & was charged $20

THIS PROBABLY HAPPENS TO A LOT OF PEOPLE. I WAS BILLED FOR A DELINQUENCY FEE OF APPROX 13 DOLLARS AND WAS TOLD I WAS LATE IN MARCH OF THIS YEAR. DUMB SO-CALLED SUPERVISOR COULDN'T EXPLAIN WHY MY ON TIME PAYMENTS WERE NOT POSTED TO MY ACCOUNT. WAS LOOKING AT MY ONLINE CHASE ACCOUNT WHEN WE SPOKE. THIS COUNTRY IS DOOMED. THE BANKS HAVE TAKEN OVER. GET OUT OF DEBT AS SOON AS YOU CAN AND NEVER DO BUSINESS WITH CITI AGAIN.

The majority of the reviews never gave more than 1 star; and my experience with Citi, 1 star is too high. My loan was sold to Citi, I never would have picked them, purposely.

A couple of years ago I wanted to get my monthly payments lowered but more than that to have the date of the loan payment changed. They had me submit about seems like 50 or 60 pages. Then they took about 4-5 months to decide that No! They were not going to help me at all. So, now because my SSDI check comes in on the 3rd Wednesday of every month, I am stuck paying late fees.

TORNADO DAMAGE AS OF 8/21/11 RIPPED ROOF OFF OUR HOUSE, NOW GOING ON 8 WEEKS, INSURANCE COMPANY SENT CHECK, CITIMORTGAGE HOLDING ONTO CHECK, AND HAS NOT RELEASED FUNDS TO CONTRACTOR TO BEGIN WORK, TO STOP ADDITIONAL DAMAGE, YOU CAN NEVER GET THE SAME PERSON, NO ONE KNOWS WHAT THE OTHER IS DOING, GREAT EXCUSE, WE DIDNT GET THE FAX, WE NEED MORE INFORMATION, WHAT RIGHT DO THEY HAVE TO DECIDE WHEN AND HOW MUCH NEEDS TO BE PAID OUT A NIGHTMARE

Citi is terrible to work with. You can not understand the customer service reps, and when you ask them to repeat themselves they get very angry. Each time I called, regarding my mortgage, I would get different answers. It seems like no one was on the same page. Do not use Citi if you can help it. When you finally find someone that you can understand, you can not be transferred to them if you call back. So frustrating.

Refinancing an existing CitiMortgage loan was a nightmare. Although I had faithfully paid my mortgage for years, cutting the balance in half, they made me jump through hoops to refinance. Requested documents, then weeks later requested the same documents all over again. Said the property was not eligible for a loan (it was a single family home). Kept asking for written, signed explanations of silly things like specific bank deposits--acted like they thought I was money laundering. Took 4 mos. to close!

CitiMortgage is by far the most inefficient, uneducated, slowest, pathetic machine in the lending industry. If you don't have the time or patience to wait on hold for four hours a day for a month, you may want to seek another lender. I would think having at least 30% equity, owning my property in a healthy market, never making a late payment, and having an excellent credit score would make me an ideal borrower. Maybe they're more focused on those they can scam... Also, they sell your personal information.

I spoke with a loan officer and requested that a supervisor call me. This was done on 4 different occasions. Each time, I was told I would get a call. I am still waiting, four days later.

Citimortgage is pathetic. They do not talk internally, are disrespectful, ask for the same data multiple times, are slow, lose data, hire brainless monkeys, and have no regard for long term customers who pay their Citi mortgages and accounts on time for decades. They should be shut down. They give better service to deadbeat borrowers than to good customers. Run from Citi....fast. Withdraw your funds and find another lender. Citi will go down sooner or later if the rest of the bank is run like Citimortgage.

When we took out our loan several years ago, my wife was a floor supervisor in the hospital. Three years ago, due to cutbacks, she lost her job. She then went to another job, but for less pay,then again last year, and now makes half. During this time, I cut off most of my right hand and cant do my job. Interesting how we dont qualify for a loan modification with our situation. And eash time I call, they "cant find her authorization" to be able to talk to me, even though we have sent it 3 times. Jeeesh, thanks citimortgage.

I was not behind in loan payments. I became unemployed after working since the age of 16. I applied for a HOME AFFORDABLE MODIFICATION PROGRAM through Citimortgage in 2009. In Aug. 2009, I was instructed to lower my payments. In Oct of 2010, with no notification at all, I received a foreclosure notice. I sent $3.700 to Citi in order to stop the foreclosure procedures. Now Citi has stopped the loan modification process and I am told that I owe the attorney fees. I asked that they be waived

I have been trying to get CitiMortage to approve a loan modification. I qualify, but keep getting the run around! Customer service is HORRIBLE! On their website they claim they are here to help! So NOT true!

Full disclosure is their weakness so be very careful, ask questions and ask for it to be put in writing. Seriously. I am disputing with them now to remove two months of late payments that was no fault of my own. I would be very cautious when working with their counselors in loss mitigation. They need to move their customer service onshore.

the approach you use to solicit customers has backfired! I receive calls from you (which are recordings, and if the number is called back you receive yet another solicitation number). 10 calls to my work phone in 3 days. GO AWAY!!!! i WILL NEVER BE A CITI CUSTOMER BASED ON THE HORRIBLE HARRASSING APPROACH!!!!!!

They send endless paperwork to you, don't return emails or calls, change reps constantly, request constant information and make you jump through hoops. My last rep had a vm message that said she doesnt handle my loan anymore. When she finally emailed me back she said that the message was incorrect, was old, and she couldnt change it. ???? I eventually ended the process. There are better options than dealing with these incompetents. No wonder banks are in trouble.(I have over 100k in equity)

When our mortgage was sold to Citimortgage we were not concerned. However, on a VA fixed thirty year mortgage the payments continued to raise, from $643.00 to over $822.00, in a 14 year period. The given reason was the escrow account. When we said that we would pay the excess needed for escrow we were told it wouldn't make any difference to cover the account safely we'd need to pay more per month. NO help in modifying with lower VA rates. Glad we refinanced elsewhere.

I have had the loan with citimortgage. with the economic problem my husband lost his second job. we fall behind since June 2011, we have been filling out forms to get a hardship finance to lower our mortgage, and other paperwork, its December 2011, still filling out papers, now they sent me into foreclosure, we are still filling paperwork. I don't understand? it is a nightmare. I am tryng to pay to reinstate my loan WOW the fees I have to pay WOW. NIGHTMARE. NO HELP.

They are all a bunch of scammers. Underhanded sneaky snakes. If I had any money left I would get a lawyer and take them to court. I pray they sell my mortage to anyone else.

Started my refi application over the phone. Agent gave me wrong information about submitting my documentation and by the time I became aware and discussed with him his response was, yeah, sorry about that the only thing you can do is reapply.

I have been trying to get a loan modification since April 2011 and it's now December! I faxed documents to them every 2 months! I received a letter stating my loan is being serviced by Midland Mortgate! SO NOW I HAVE TO START ALL OVER :-)

I had a mortgage loan on a 6 percent 15 year conventional. I initiated a loan with my local bank and they sold it to Citi. I was never late on my payment as I had automatic bill pay. I got into a situation financially and could not afford my monthly payment. The advice of the representative was to take my mortgage off of auto pay and go 15 days without a payment so they can "work with me." I did what the representative asked and took my mortgage off of auto pay. I called back to Citi when the payment was 15 days late and the representative explained "our advice is to do a "deed in lieu of foreclosure." How interesting, never one month late and then they advised to do a deed in a lieu of foreclosure. I have about 60k in equity on my home so it would make sense that they would want the title so they could make the profit. I then switched to a different lender and refinanced my loan at 3 percent interest and thus saved myself 500 dollars a month. I requested my 2500 equity check to be sent and now have waited a month since the loan closed with Citi and have not received it. Buyers/homeowners/refinancers beware of Citi. Their business practices are not above the table and their way of doing business is below par.

I have to tell you, I have good credit, I called Citi, I got a great loan officer, she quoted me a great rate (best out of 25 GFE's), process was started with zero issues to report, appraisal complete, all documents electronically signed so far, got to shop for my own title company saving me more money, and one free rate drop included after a lock so absolutely no complaints even possible at this time. My loan officer gave me her cell number and has got back to me with a quickness on any questions.

My mortgage consultant was horrible with communicating what they needed. She requested the same documentation numerous times, saying she never received it. I finally, vie email, had her confirm she had all she needed and that underwriting was evaluating things. She would inform me of my status. The next communication I received was a letter from Citi informing me my loan application was cancelled due to incomplete documentation. Citi would admit no fault and told me I had to start again. No way.

I have contacted CitiMortgage and made arrangements to make a payment after the 1st of the year. Since this contact, my loan was sent to a lawyer for "foreclosure proceedings" even though I was assured by CitiMortgage that it was not in "foreclosure" but in "default" everything I have read from my mailings, says this also. CitiMortgage has not helped me. Does anyone have phone numbers above customer service to call?

My insurance company sent my water damage reimbursement to CitiMortgage whom has held me hostage awaiting their inspectors to issue me my money back in increments. Each time the process was at least 2 weeks and twice their inspectors claimed I did not return phone calls and they canceled my inspections. Not one time did Citi inspectors ever call me back. As if I want CitiMortgage to hold on to my money longer! They should pay me money on the interest they earn while sitting on customers money.

I loved the low and the low finances charges I received by refinancing but from the very beginning there were continuous "errors" on the paperwork such as martial status, age of home, wrong finance charges vs over the phone quotes, etc. I received so many revised Good Faith Estimates (GFE)I lost count. One big problem is a revised GFE would show up in the mail out of the blue with no explain. Several GFEs were generated with wrong information that needed to be corrected. Look over ALL paperwork carefully!!

When I became unemployed in Oct of 2009 I tried to get a loan modification. I was told how much the pmts would be along with the % rate, and told that if I got all the paperwork in on time it would become permanent, I got it together, verified ahead of time that I had everything. Now 2 1/2 yrs later I'm still trying to get the mod., I have submitted the paperwork 5 times now, and they are still sitting on their hands. I am now going to try to re-fi thru someone else, and citi can go straight to ****.

My LO offered lots of suggestions to help me make the best decisions. He wasn't pushy at all; only wanted to make sure I knew all the facts. I really appreciated that. I had no problems at all; it took abut 3 months which seems a bit much, however, it was at a time when the rates were really low so I'm sure they were swamped.