LoanCare Avis 

Your customer service specialist Joseph Tello is a disgrace to your company. The way he speaks to women online is disgusting.
You having someone like this working for your company. Shame on you.

This is the absolute worst mortgage company to deal with. Do not file a claim for insurance or you will have to jump through hoops with Loancare for weeks on end with lost docs that do not upload, more information needed even though representatives told you if you do this it will be approved. Only to talk to different people and no one on the same page.

If I can give no stars or negative stars I would. Been nothing but a waiting game. Have to wait 24/48 hours to talk to a manager, just can’t transfer to one? The worse company.

These are the words useless scum bags in the business! The DOJ needs to investigate this company for shady practices! They are purposely post dating payments to make you miss your current payments. To charge you a late fee! The customer service reps are disgusting!

I requested a loan assumption approval and was told I would get a call back three days later. I had a potential buyer waiting and the call never came. When I called back later the day I was supposed to receive the callback, I was told that they had to resubmit the request because there wasn't enough information submitted with the first request and I'd have to wait until the following week to receive the approval. Meanwhile I lost my potential buyer because this company is could not provide me the information I requested within the time period they stated they would. INCOMPETENT, UNPROFESSIONAL AND WORTHLESS COMPANY!

If I could give less than one star I would.

I made an online deposit through their escrow tab, they don’t give you any type of proof that you made the deposit later they claimed I owed money for escrow, which I had paid online as explained above. But since they give you no type of receipt, I wasn’t able to prove it and at this moment in time. They’re charging me an extra $400 a month to pay the escrow that I already paid; this is one of the most corrupt mortgage companies I’ve ever heard of and with a simple search online proves it with their multiple one star ratings.

I wouldn’t do business with them. We had water damage in January and because we still make a mortgage payment. We had to send the money to them from the insurance company. It’s been difficult to get the money to pay our contractor because they continue to lie and tell us the inspection wasn’t done. We had 6 inspections. It’s a game. We call weekly and haven’t got any help. This is the worse mortgage company to do business with.

Loancare is costing me an ADDITIONAL $1100 along with getting another mortgage payment from me (today was supposed to be the closing date on my house!!) but since this business operates like it's run out of a basement, we now have to pay for a rate lock extension for our Buyers so we don't lose the sale of the house. I said I would escalate things as high as I need to, and I know follow through is something no one at Loancare is familiar with, but they will all get to see what that actually looks like. I already filed an official complaint with the CFPB and am actively exploring any and all other avenues.

0/5 stars. Loancare is a nightmare to deal with and their incompetence forced me to file an official complaint with the Consumer Financial Protection Bureau (CFPB) due to their absolute negligence. I had a partial claim that was done for deferred payments during Covid in 2020 and now that I'm trying to sell over 6 years later, turns out they never sent the claim to HUD so the closing company can't get the required payoff statement. Almost 2 weeks of getting the runaround from their under-trained phone call reps saying "they don't send that to HUD" and "the county is supposed to send that to HUD" (spoiler alert, that is NOT their responsibility) to now they seemingly have figured out after almost daily calls that it IS their job to do that, they may have delayed my closing by 4-6+ WEEKS. Which means they can now get even more payments and interest from me, smells like fraud doesn't it? I'll ask a lawyer. Twice they seemingly opened a case and had someone working on this and it looks like each time it got assigned the person went "I don't know how to do this and/or this isn't my job!" and closed it out despite me sending ample explanations/documentation, of course I never got a call or message about it. It's not my problem Loancare didn't do their job nor is it going to be, if I don't get a call back from your Resolution Team like they stated to me on their recorded line, I will escalate this as high as it needs to go.

Absolutely horrid company. I wish they never bought my mortgage. Have done multiple escrow analysis and raised my payment twice in 2 months. My taxes and insurance went down!! They play games with our lives

If I could rate this company ZERO stars, I would! They were supposed to process a check that I got from my insurance company to pay for damages. The check was issued before my mortgage company sold my account to another mortgage company. I called LoanCare to ask if this was a problem and they said "no" and that they could still process the check because they handle the checks for both mortgage companies. Based on this, I paid $112 to have the check sent to their "overnight" processing address. It took them 3 days to even acknowledge that they received the check, and then after a week, they VOIDED the check and returned it to me WITHOUT TELLING ME! The only way that I found out is that when I went to see the status of my claim, IT WAS GONE! It was as if it never existed! Nothing about the check being voided! I had to call them before I could find out what the heck was going on! Then when I said that I wanted to file a formal complaint, I was told that I had to do it with a supervisor, and after being on hold for 20 minutes was told that a supervisor was unavailable and that I would get a call back. Guess what? That was a complete LIE! They never called back! In my opinion, this company is a complete scam!

Absolutely horrible experience with LoanCare. First they placed me into a 3-month trial payment plan they never properly honored. Then they tried to push me into signing what felt like a predatory loan modification that added nearly 10 years to my loan, increased my interest rate, and added a lien against my property.

After suffering a serious spinal injury and becoming medically unable to work, I had no choice but to enter forbearance. My doctors have documented that I cannot even begin looking for work for at least another year pending rehabilitation and possible disability determination.

Now that my forbearance is ending, LoanCare is once again trying to push me into another unrealistic 3-month payment plan that makes absolutely no sense given my documented medical condition and lack of income stability.

Meanwhile:
- phone calls are never returned,
- emails are ignored,
- nobody will clearly explain whether my loan has even been reviewed through the FHA waterfall process,
- and every interaction feels designed to push borrowers toward default rather than actually help them keep their homes.

The stress this company creates for people already dealing with medical hardship is unbelievable. I have never dealt with a mortgage servicer with such poor communication, lack of transparency, and disregard for a borrower’s actual circumstances.

LoanCare is a terrible company to deal with. The customer service representative did not correctly enter my bank routing number and she told me that the payment was accepted. I received a call 2 weeks later telling me that my mortgage payment was late and tried to change me a late fee for their mistake. Now they are telling me that I need to purchase a home warranty even though it was never required when I purchased the home 16 years ago through HUD. I will be contacting the Arizona Attorney Generals Office for Consumer Affairs and file a complaint

if you pay bimonthly they just keep you money on a suspense account for 2 weeks and make one payment per 4 weeks. Basically your money does not work. Bummer. Worse loan provider

LoanCare made an unauthorized disbursement from my escrow account to pay an insurance bill I had already paid in full. Despite uploading proof of zero balance, they refuse to correct my May 1 2026 mortgage payment from 681.03 back to the correct 550.00, and they will not refund the 131.03 overcharge caused by their error. A customer service representative lied to me on April 30 2026, claiming they called my insurance company. My insurance confirmed no call was ever made. A 200 plus dollar principal payment I made on April 21 2026 has not been drafted from my bank account despite me receiving a confirmation number and thank you email. LoanCare has violated RESPA and CFPB mortgage servicing rules.

The F ing over started with Mattamy home funding removing me from loan right before closing about 7 years ago. I (the family financial planner) had to refinance and VA loan ended up w/ this company.
Come to find out being on Deed only (not loan) lenders get to Willfully ignore spouses Property rights, Homestead rights, & due process to resolve/negotiate loan if an ABUSER spouse (wants to replace you with teenagers- his words) tries to make you homeless via control of the loan.
At least 7 attempts to negotiate with this fraud company and they include me on legal proceedings without any legal rights. I have my own VA benefits and paid off my last VA loan yet they refuse to give me any choices despite being the only one showing up to foreclosure hearings and having an 800 credit score to ASSUME the 2.75% loan ASsumption- VA benefits allow and rate I negotiated for.
They are an Absolute ANTI-American company that supports making Americans homeless. Makes me disgusted I ever served —for these Corporate terrorists to have so much Negative power.

The worst company ever. Never follow the instruction and no communication to the customers.

This is the worst company ever. I can't believe how rude they are on the phone. Charged us $105 in late fees when they never sent a notice, telling us our mortgage increased by $20. We were charged $105 in late fees for $40. I had to call customer service 6 times to reach someone because keep transferring you to other companies.

Just paid off my home loan

I have nothing good to say about My Loan Care

That is it

That is my entire review

Zero Stars - Commits Fraud & Poor Customer Service
Long story short - I was required to purchase flood insurance 10/2024, it was confirmed my flood insurance was on file and everything was good to be escrowed. 11/2025 same story. Fast forward to 2/2026, my mortgage jumped $1100. When I called in they stated they purchased flood insurance for me at $3600 x $7200. After 2.5 nothing is being done to rectified the issue on Loancare side - I have gotten a bunch of "I have made notes and we will call you back". Loancare is in bed with FEMA and the insurance company that imposes 600% inflated rates, which is unlawful on so many levels. DO NOT DO BUSINESS WITH THEM OR ANY OF THEIR PARTNERS.

This company is the absolute worst. I have been dealing with them since October on an insurance claim. They come up with every excuse to hold your money and not release it to you. They delayed my project getting started. They gave me hard time over check endorsements and tried this multiple times despite them being correct. They held up my inspections and marked them at 95% to hold off sending funds. Now they are holding my depreciation funds from my insurance company even though I have done everything they have asked and saying that I need to have my contractor submit a new estimate and updated paperwork. I am just trying to get my money that they are holding onto and it seems impossible. WORST EXPERIENCE OF MY LIFE.