I needed to make an adjustment to my monthly payment. I logged into the website and there is not a way to do this. I tried calling their number 888-718-8684 but was placed on hold for 30 minutes and forced to leave a voice mail. I also tried their chat but it is not working. Their website also lists a notice that accounts need to re-registered for their new portal, but this also is not working. My home mortgage was sold to them after a year or two, and I set up payments and have not done anything else with them until today. But after reading reviews looks like I'm going to be ignored. read more

This company (illegally changed my locks and stole my personal property from my home). They bought my mortgage and didn't contact me for 7 months. During those months they sent a property preservation team (Craigslist junk hauler) to change my locks, and removed all of my personal property. I have statements from the men they hired, and proof they paid them. I continued to have my mortgage payments ach by the previous company and then was threatened by Capital Mortage to wire them the double payments. I've recently engaged with a law firm and I am filling multiple lawsuits. read more

I really don't want to give them one star- -it should be a MINUS 5 stars! Do NOT use this company, my loan was sold to them- -worst of the worst. ONLY every third or fourth month I receive a normal statement from them- -I had to BEG FOUR times this month for one, still waiting (12 days after) and I paid them on time with out a statement but their web site shows "late pay" when the check cashed through my bank on the third. Horrid company!! In six years, I have never received the overage on escrow except ONCE after I BEGGED them to sent it to me- -and I received it two months late! read more

They updated the online system and claim they can't see anything on their end. I got a call saying I owed for February and here we are in April!!!! I sent off a payment paying three months ahead in February and also pay a extra 50 on my taxes and insurance everytime I make a payment since they can never seem to get that right without trying to raise my payment. Anyways I was told to get "proof" I payed it and email it so they can "fix" my account sent proof from navy federal and a week later I got a check for 750 for over payment on my taxes? I'm not sure what the company is doing but I I wish I could go with another servicer things are too uncertain with capital mortgage!!!!! read more

I dont even want to give them a one star review this company is nothing g but lairs and scammers. They bad part is they scam veteran who fought for this country. They told us to max our credit card and they gonna give money back and appraisal fee back we got none of that and our payment went up by 300.00 a month you better run away from these folks now they sending mail saying we get 4,000 from interest we paid in i burnt that read more

Absolutely terrible service. I initialized a refinance 2 months before needing to close. And yet the DAY OF CLOSING, just 4 hours before, they are asking me for documents and updated insurance, along with several other docs that I had already delivered. I got the requested docs delivered to them within 10 minutes. They cancelled closing literally less than 2 hours before, without so much as an apology. They have had WEEKS to prepare for this. I tried calling every number I had, but couldn't get a hold of anyone. Would recommend you not work with this company. While their rates and terms are pretty good, they not good enough to be jacked around like this. I never leave bad reviews, but I felt this one was a deserved warning to anyone inquiring with them. read more

SLIMEY business practices. With our income almost halved we tried to get assistance they offered a forbearance and lowered our payment a whole $90. This did absolutely nothing for our situation. This only made the situation worse. I was then suggested to fill out paperwork to see if help is available and was promptly denied. While I was wasting time with that foreclosure proceedings were already in motion. We were forced into chapter 13 to keep this company from strong arming us out of a home. No public notice posted for Sheriff sale of forclosure, we were threatened with an incorrect sale date as pressure to pay, This company withheld information from us which resulted in gross lender misconduct. CFPB complaint was also filed. Our loan was sold to this company so I had no choice but to deal with this horrible company. STAY AWAY IF YOU CAN! read more

i have been with capital mortgage for quite a few years and i would like to tell you about a young lady who has been by my side at capital mortgage for many years. her name is natasha wlliams and she is very professional and knowledgeable and an all around wonderful person who has made me feel like a part of her family. never lose this lady she is the face of capital mortgage. very sweet understanding professional and knowledgeable in her job. she does deserve a great raise and there is just not enough words to express what she has done for my family. keep up the great work natasha and youll go places in this company. because of her i will never leave capital mortgage. thank you for all that you do and may god bless. william and barbara fitzgerald in tennessee read more

This is the 2nd time we have a problem with their service. they took my money and said they never received even after it has taken out of my bank account, charging me a late fee, even I show them proof 5/5 payment Check # 178 for $1648.67. they took my money from the bank and said they never got it. started charging me a late fee each month for the past 3 months I called them twice, talked to Diane, Danielle, then Samantha. None of them even apologized for the problem and still denying that they took my money and said they did not receive the check. I told them to give me a paper or written statement telling me you didn't get it, so I can go to my bank and ask for the money back. They won't do it and just kept on saying they don't have any record of me paying, even though the money was taken out of my account on that date. They want me to prove to them that I paid, and no the other way around, it's how entitled they are. Rob people money and deny it. Asking customers to prove that they did indeed rob me and denying it. read more

I've been calling this company relentlessly and have been unable to get a hold of anyone. The answering service states that no agents are available in every category. Please post different information on website about hours or methods for getting a hold of someone if there are additional ways to get a hold of someone. read more

I don't appreciate Royce taking pic of me and my jeep. I have never met this man. If he had any balls. He could have came to my jeep and had a conversation. This is not professional. What a chicken ass mother fucker. read more

Their Customer Service Leadership should be fired. Calls to their Customer Service is dumped to voice mails. They dont call back. They are holding home loans for people of a quarter of a million dollars or more and this is how they treat their customers. Yet, if you are late, I am sure they would respond right away with legal and having people coming after you, not to mention quickly "dinging" your credit. Not to mention, they changed their website and I cannot log into my account to make an online payment for some unknown reason. Password recovery tells me that my account doesnt exist. With no customer service and no one getting back to you, now what do I do? read more

I was very skeptical of the reviews here, and never had too much of an issue...until now. In most cases, I could always reach someone. The website definitely needs improvements, as it often goes down...like now. It has been down for about 5 days at this point. I've recently been trying to make my payment, but website doesn't work, and I have been unable to reach someone on the phone to talk to. I've been calling for a few days, left several voicemails, and have had no response. If I had seen these issues from the start, they wouldn't be worthy of the 3 stars I'm giving. They need to figure something out soon...hire more people, pay for a decent web server etc. read more

Worst company EVER! we are refinancing today and i am so happy to be rid of this company! Bless the poor pitiful souls that are still with your company! NO STARS GIVEN! but i had to to post review.. read more

While I understand that Texas has experienced power outages and water issues recently; LoanCare requested my payoff before the problem occurred. I have requested the pay off via website 5 times. Spoke to Capital One about my payoff and all they could say is they could not find the request in their system and since its already been 10 days they would forward this to a supervisor. I have requested a return phone call. By calling and requesting a call back. Also text with automatic system. I am now on hold and have been forwarded to automatic recording system after being on hold for 2 hours. It is impossible to actually speaking to anyone in the release department. I am in jeopardy of losing my locked rate because of Capital Mortgage of Texas. I cannot even confirm at this time whether or not my request is in the system and being worked on. FYI: Capital Mortgage of Texas advertises a turn around time of 3-5 days. My last statement says it was mailed 1/19/21 but I did not receive until Feb 8. This is a problem because this company is not partnered with Chase or Bank of America bill pay. My bank has to send a hard check. I do not trust this bank to pay by check without the proof of my bank stating the payment was sent and on what day it was sent. My loan was sold to them if you have a choice go anywhere else! read more

before then i was with Penny Mac, then got a refinance through veterans united then. then within a few weeks after the closing was done, they started sending letters and calling me about miss payments and adding on extra T&I on top of my mortgage . Veterans United said i was all up to date on payments and the loan turn over doesnt start unil Sept 7th 2022.. yet they still called me about a missed payment that was already paid through veterans united... so next year i will refinance not just for a lower payment , but just to get away from Capital Mortgage of Texas.. read more

I'm not sure how they've managed to stay in business... They purchased my loan and I've had to deal with their awful service since. I believe that it is a management problem as most of the issues that I have run into are process issues. Completely inconsistent in applying payments and escrow for taxes and insurance. I've had to pass along penalties to them for being late several times. read more

Horrible experience. Look at the plethora of 1 star google reviews for this company and they are completely consistent with my experience. Royce Lewis, the CEO of this company, is an absolutely horrible communicator and makes excuses and engages in deception. It has taken me weeks to get a response from him and his answer to my complaints is met with aggression and unprofessional behavior. My goal was to refi my mortgage with his company since they purchased my note from my local bank. If you have a choice, avoid this lender at ALL costs. Mr Lewis's excuses that they have a problem with their phones is just another excuse for his terrible customer service. read more

I have not had a worse experience with any servicer than Capital Mortgage Services. They serviced my loan from 06/01/2020 to 09/01/2020 and have not paid my property taxes which were due on 06/05/2020. My monthly mortgage includes the escrow which covers the taxes. After I recently refinanced and moved to another servicer, I got a notification from the county notifying me of the non-payment, and the additional penalties and interest that have been added to the tax bill. I called Capital Mortgage Services several times, and after long waits was redirected to people that did not answer and/or respond to my voicemails. Additionally, I also requested their automated service to call me back and have not gotten any response. It is extremely alarming that a mortgage servicer would not service my bills, and would not respond to my queries. A very frustrating and stressful experience. read more

I cannot even give them a 1/10th star. Capital Mortgage is the a DBA of Siwell , worse mortgage company we have ever dealt with. First Cendera Funding Mtg in Dallas sold our loan to Capital Mortgage without even letting us know beforehand. Then Capital Mortgage would not send the payoff when we sold our house and almost held up the process of our move. We have made multiple calls to the only number provided for Capital Mortgage which is listed as the "Receptionist Desk" at Capital Mortgage. No one answers this line, we cannot get our $3600.00 in escrow due us. No one at Capital will call us back. Today we received notice that Capital is using our escrow money to pay a USAA home insurance policy for the home that we SOLD and we no longer have USAA home owners insurance. We were warned by the title company that handled the sale of our home Capital is not ethical and we would have to really harass them to ever see our money. Wow! They were right on. Thank you Cendera Mtg, also another company we will not be using again for selling our loan to a company with a history of being thieves! DO NOT let your loan go to Capital Mortgage. They are thieves. read more

Big change in this business. They screwed up my loan somehow. Won't call back when they say they will. Wondering if the business was sold.

This company is inconsistent. I was already not pleased with them when they because our new loan service provider just because it was difficult to get in contact. We purchased our home in 2015, a few months later Capital Mort became our mortgage company. In 2017 our payments had dropped by $200 because they decided we paid too much in Escrow. Now in 2019 they decided we haven't been charged enough for taxes and insurance adding a whopping $1,300 to our monthly payment! Now we owe more than we purchased our home for! That is insane!!! - Update this company basically just tried to get to refinance to bring down our payment - which still the raised the price of our home for what we purchased it for. We were lucky enough we found another route without any help from this mortgage company. read more

Capital Mortgage purchased my mortgage from Cendar in 2016 and I have had nothing more than headaches from them since that year. Every. Single. Year. We have to contact them to correct them on the taxes we are being paid because they seem unable to correctly calculate them or quit charging for the previous year's taxes that have already been paid. They just keep piling the amount on top of the old amount. Yeah, it's that bad. Employees seem distrustful and want you to prove they said or did something. Even as recently as this year when covid cost us our jobs and we qualified for forbearance, CM said they would give us forbearance for three months and to contact them if we needed more. Well, they've never done it and they keep saying they want proof they said it when they never email us proof! We will be paying this loan off as soon as possible (after selling that same house). Stay far, far away from this unprofessional and inept company when choosing your mortgage company! read more

I have been trying to make my payment for 10 days now. Phones are not being answered, emails are not responded to, phone payment option is down... I've never experienced anything like this in my life with a "financial institute". I am considering hiring an attorney. Don't know what else to do. read more

Just like everyone else here, i cannot get in touch with their office. I have autopay set up, my original payment came out on the 1st as normal and today, I pull up my bank account and I am overdrawn....They took out a second payment on the 10th! I have tried every department on their list, sat on hold over 10 minutes 3 times until it finally forces you to leave a message or be disconnected! Very scary that this is who my mortgage is with! read more

What a scam! Trying to refinance and they never call back or email. Going on now for over 6 months. I agree with Michael C from Tenn. Do not do business with this company, you will regret it. read more

How this company is still in business is a mystery. Each year, we have to call, email and file complaints at the state and local levels just to get them to pay our homeowner's insurance after they miss the deadline yet again. They also refuse to provide loan payoff information so that we can finally get away from their complete incompetency. read more

This mortgage company is a NIGHTMARE. Steer clear if you are able to - we did not have a choice as our 4 mortgages for our investment properties were sold to this company. Honestly, the customer service associate, Maria, who I connected was very kind when I initially contacted her, but things changed when I reached out today. After almost a month of no progress on her end, I reached out to her and she replied she had probably just gotten busy - that's why NOTHING had been done to address our concerns related to a payment they did not credit us for on two accounts. We now have late fees adding up and are completely at a stand still. I would LOVE to get away from this company...I was told I am not allowed to speak with the woman who is taking a look at this - she "does not speak to the public." Nice. read more

These people are so unethical. They are not giving us even the pay off to pay their mortgage off. 20 days and still no answer and we can not close our loan with the other lender because these people holding the pay off and keep offering us their better option. How long you can hold a client by the rope. We just file their complaint today with CFPB. There is no less star then one ow you know what.... read more

Company has not mailed a bill in months, we have no idea how much we owe until we get a angry letter saying our escrow isn't covered as our property taxes go up. They never answer the phone or return voice mails. I have never been so angry with a company... not even at comcast. read more

So far I've made my payment strictly online and everything has been running smoothly. I also utilized the email for questions and got a immediate response not even 30 minutes later followed my a phone call. I know because of high call volumes it is hard to get through over the phone but paying online and emailing has worked best for me. No issue here. read more

I, also, have been trying to pay my mortgage for several days. Website has been off for days and days. I have left three voicemails on different numbers on different days. No return calls. Nothing. This is scary for a mortgage company. No correspondence at all. I mailed a check today but no way will I pay a late fee. What is going on? read more

I am trying to refinance my current loan being serviced by Capital Mortgage. The Title and Escrow company have been trying to contact them for two weeks to get a payoff demand so I can close. I've requested the payoff on the website several times and have called and no one will release this information. They have threatened my loan from closing and I may lose my rate lock. This is the sketchiest company I've ever dealt with. I've reported them to three different governing agencies. Please do not give them your business. read more

Can I take stars away and give them Negative 3 stars. This company is garbage, do not do business with them. About a year ago my wife called in the payment, no problem until six months later we get a bill and for some reason we are one month late, I know we never missed a payment. Come to find out they applied our payment to someone else's account. We have been trying to get this resolved ever since, we have sent them bank statements, the payment history on their account, the said they see the problem and would fix it, the woman we spoke to did nothing and was fired, so the gave to someone else (supposedly a supervisor), that was 2 months ago and still nothing, more late charges and more excuses. Check your accounts, they may have or are stealing from you too. read more

This is the worst company I have ever dealt with. Their customer service is atrocious. I just want to payoff my mortgage and I cannot get a response from anyone. Their website is a joke. My loan was just transferred here. Who do I complain to? Who is this their regulator? What a sleaze all operation. read more

I would give them zero stars if possible. I have gone through hell trying to get them to endorse a check from my house insurance for over two months. I have hail damage, but they have to endorse it before I can get the work done. I have filled out a booklet worth of paperwork to have it endorsed by them and dropped the paper-work off at their office, but still have not received even a call from anyone after three days. They never, NEVER pick up their phones. You are put into their voicemail immediately. For what I pay monthly, and I have never missed a payment, I should be treated much better. Horrible company to have a mortgage with. read more

Unfortunately, my loan was sold to Capital Mortgage a few years ago. Since then, I've dealt with a system of incompetence, inability, and ineptitude. Stay away from Capital Mortgage! They will screw up your payments, fail to notify you, and then threaten to send you to collections! They never answer their phone (probably because so many people are calling to complain), and take days to respond to simple emails. I'm convinced the business is two guys working out of their mom's garage. read more

Horrible costumer service stay clear of this company. I received a letter from my insurance company saying I was gonna be cancelled because Capital Mortgage was not sending my payments for the last 10 months. What's even worse is the customer service I received when trying to fix this problem with them. These people are so rude, and will give you the run around for everything. read more

"Your home town mortgage pro" as they call themselves is an absolute joke. Our mortgage is taken out monthly via bank draft. When we received a statement showing a payment due, I called to ascertain why we are receiving a bill since all payments have been and should continue to be made via bank draft. The statement was dated April 23, 2018. We received it on July 31, 2018. In reviewing our bank account I notice that in May, Capital Mortgage had taken two monthly payments in May. I tried for 2 days to speak to a real person. I pressed buttons for many different departments. Each call ended the same. All I received were voice mail boxes. To my surprise a real person actually answered on the last call of the second day. When I asked the representative that I spoke about the bill she told me that bills had been mailed out in error and that lots of people were concerned about the extra statement. She told me we were current in our payments and I could just disregard the statement. Well isn't that special. As far as taking 2 monthly payments in one month, she would have to speak to someone in the "question department." That's right... the "question department." The second woman I spoke with stated she would call me back. No surprise there, I am still waiting. I placed another call to the bank and was told Capital did indeed take out 2 payments in May, but refunded the second payment. Why couldn't Capital Mortgage just told me that when I called them? I've wasted several hours because of them trying to get 2 simple questions answered... all because of their mistakes. It should have only taken 2 minutes of my time for 2 simple answers. Avoid these clowns at all costs, even if you have to pay a higher interest rate. read more

The absolute worst company in the world! Requested a payoff notice a month in advance, come closing day - no payoff amount to render! What the F@*K?!?! How can you be this inept and still run a business? read more