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EMC Mortgage

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EMC Mortgage Corporation is a mortgage banking company. The company was founded in 1990. EMC Mortgage Corporation is a wholly owned division of The Bear Stearns Companies, Inc. EMC Mortgage Corporation is a company specializing in the acquisition, securitization and servicing of mortgages and mortgage-related services. The company focuses on subprime residential loans for customers with credit scores ranging slightly lower than what a company considers prime. At the present time EMC Mortgage Corporation is considered to be one of the most experienced residential mortgage companies in the industry.

EMC Mortgage provides collections, workouts, foreclosure administration, and accounting services in addition to the mortgage servicing.
Please try to contact EMC Mortgage Customer Service directly prior to posting any complaints on this site.

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EMC Mortgage Complaints & Reviews

EMC Mortgage Reviews

Davow714
EMC Mortgage - EMC STOLE MY HOME WHILE MY MOM WAS DYING IN HOSPITAL
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

WHILE THE HOUSE WAS IN MY MOMS NAME THRY WOULD NOT TALK TO ME WITHOUT HER VERBIL PERMESSION !OK !WHILE I WAS PAYING MOMS MONTHLY NOTE NEVER MISSED A PAYMENT ! I PAYED TWO TIMES ON ...

#317121
May 07, 2012
23

Mcruz
EMC Mortgage - I apply for Loan Modification never got any respond bacfk
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

A year ago in February 2011. I receive a letter in the mail in reference to Loan Modification. the reason is because my second mortgage rate is 12+% so I contact them and asked a...

#300563
Feb 27, 2012
152

Anonymous
EMC Mortgage - EMC did not low our interests when economy came down.We wrote and called them but mortgage payment s
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

EMC did not adjust interest from our mortgage 1663699 since economy started to come down.We need help for that.Win the beginning.e continue paying the same monthly amount of ...

#296993
Feb 14, 2012
113

Anonymous
EMC Mortgage - Loan Mod = foreclosed anyway
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

After jumping through all of their hoops, sending financial info several times while making payments as agreed in the loan modification for 8 months EMC Foreclosed anyway. Evicted ...

#277771
Nov 28, 2011
369

Anonymous
EMC Mortgage - Home modification process
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

I have been working with EMC for more than two years in an attempt to get my home mortgage modified to a 30 year fixed and get rid of the 5 year ARM. I initially used NACA to submi...

#273407
Nov 07, 2011
233

Tami72
EMC Mortgage - Emc Heartless
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Emc only took 250.00 dollars off my mortgage after a 3 yr battle for modification. I am on Disability and have 2 children to care for and that is all they took off. They ended up...

#262928
Sep 19, 2011
284

Anonymous
EMC Mortgage , jp morgan, bears stearns
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Emc Mortgage company took my home & I live in Montana & I was on a classaction lawsuit in Kentucky and California, and my attorneys said in Florida & also in Washington state they ...

#261417
Sep 12, 2011
412

Anonymous
EMC Mortgage - Loan mod or loan audit which is worse
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Who is the bigger crook? big banks, or the companies who offer help both with modifications or audits my answer to that is, they both are.It sickens me that people pray on others w...

#258140
Aug 27, 2011
1151

Jmorey
EMC Mortgage - EMC is an absolute joke of a company
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

This company is an absolutely joke. I sent them funds to payoff my loan in full. They cashed my check and put the money in suspnese account for almost 3 weeks. They told me t...

#255621
Aug 15, 2011
523

Upset40
EMC Mortgage - Lied to us
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

We were lied to my EMC about our second mortgage. We were told it was going to be written off after our bankruptcy and it was not. We hadn't paid on it for months as was told by ...

#253390
Aug 04, 2011
465

Dedave@c...
EMC Mortgage - In a loan mod for 12 months, kept loosing pprwk, now foreclosing...we did exactly what they said.
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

We have had EMC for awhile & 2 years ago I had a stroke, we get a letter in the mail offering to do a loan modification, but for the next year they cut on pyamnt in half, we paid e...

#251641
Jul 27, 2011
1209

Anonymous
EMC Mortgage - EMC has Lousy service - PERIOD
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Over the years I've had Emc, I have had several problems with late fees. This is due to any of the following scenariosDo not receive Monthly (used to be quarterly issued)...

#251580
Jul 27, 2011
344

Be1950
EMC Mortgage - Nothing but lies
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

They say they report to the 3 credit bureaus but do not.( it is in the MISSION STATMENT) you ask for a payoff letter it takes 30 days to get it by then you need a new one I get a ...

#245305
Jun 25, 2011
350

S.Franklin
EMC Mortgage - EMC Needs to b INVESTIGATED
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

I am trying to buy a home from EMC. They took a month and a half to start escrow due to their issues with Power of Attorney and the deed. After starting escrow I put notice in at ...

#243694
Jun 16, 2011
318

Anonymous
EMC Mortgage Needs To Be Investigated
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

I am buying a home from EMC Mortgage. Wow first they take 3 weeks to say they finally have Power of Attorney to start Escrow. They finally statt escrow another two weeks after that...

#243691
Jun 16, 2011
398

JoeH
EMC Mortgage - EMC jerking me around
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

EMC mortgage corp has been jerking me around. Payments I have made along with payments made threw a bankruptcy have over paid this loan. payments made since 2007 have been returned...

#242878
Jun 12, 2011
384

Anonymous
EMC Mortgage - EMC JERKING ME AROUND
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

EMC KEEPS LOSING PAPERWORK TO MODIFY MORTGAGE. KEEPS ASKING FOR THE SAME INFO REPEATEDLY, SAYING THEY NEVER RECEIVED THE PAPERWORK. I HAVE SENT THE IDENTICAL INFORMATION EACH TIME....

#240965
Jun 02, 2011
431

Chef Col...
EMC Mortgage - Horrible Dealings with EMC
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Working on a re-mod for months with EMC- have been treated rudley- never spoke to the same person twice. Faxed them pages and pages of personal informtion and have been asked for ...

#238681
May 20, 2011
502

Anonymous
EMC Mortgage - EMC Chase and BOA are rotten no good theifs
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

I seriously dont believe anyone can help anybody dealing with these banks and the loan modification programs that they offered.I have been going through this nightmare for two year...

#233562
Apr 21, 2011
685

Popazon51
EMC Mortgage - Emc how to fight back
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Emc has been sued by the ftc check the web site and you might be owed money and also see how they screwed people like you and I. I am going to take them to the cleaners and if you ...

#232902
Apr 17, 2011
1050

Biglewise
EMC Mortgage - EMC are crooks and not customer friendly
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

They are holding a lien on property I do not even own. I signed a unsecured loan when I sold my house 9 years ago. they bought my loan and now have made it a lien on property som...

#231723
Apr 11, 2011
414

Ddperry
EMC Mortgage - Customer service is horrible, they are not there to help at all
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

EMC Mortgage company is the absolute worst!!!!I don't know how anyone ever accomplishes anything with them, when it is totally impossible to speak to any one on the phone!!!It feel...

#230712
Apr 05, 2011
529

Freelake
EMC Mortgage - Emc, awful
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Began April 1, 2009 with my loan modification. Today March 29, 2011. still waiting. sent in hundreds of documents, sent in new application 7 times over the last two years. don't un...

#229643
Mar 29, 2011
425

James ru...
EMC Mortgage - Loan mod gone really wrong
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Check this out April of 09 offered a loan modification from EMC with the promise of lower payment + lower interest rate I took advantage of their offer and singed up, what a mistak...

#228691
Mar 24, 2011
1683

DBL
EMC Mortgage - Complaint aganist EMC and Chase
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

I am very unhappy with EMC and Chase. I have attempted on three different occassions to modify my home mortgage but to no avail. Chase has requested the same documents at least thr...

#227065
Mar 16, 2011
956

Apa 343
EMC Mortgage - Emc loan problem
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Emc people suck I have make my payments on time after loan modification and none of my payments are credited and they keep on sending me letters that I am late charging me l...

#226097
Mar 10, 2011
1125

Anonymous
EMC Mortgage - Emc screwing the american people
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

I have been dealing with EMC for over 2 years with no success time and time again missing paper work no loan modification.I hired a company to help still nothing but this time pape...

#225788
Mar 09, 2011
1031

Bobbysar...
EMC Mortgage - Forced escrow payments,i paid the taxes!
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

2 yrs of complete frustration being lied to by them on a modification that never happened,pulling the home out of forclosure 3 times in the last 2 yrs.Now they have placed forced e...

#224478
Mar 01, 2011
912

DIROGO
EMC Mortgage - EMC DEVIL's MANSION
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

Http://www.bing.com/maps/default.aspx?q=4+Aspetuck+Ln++06880&mkt=en-US&FORM=BYFDHere is where Edward Raice lives that started EMC mortgage. He lives on an estate in Con...

#223270
Feb 23, 2011
612

DIROGO
EMC Mortgage
5.0 Attention: Customer Service P.O. Box 293150 LewisvilleTX75029-3150 1-800-723-3004, 1-877-406-4372 (Insurance) https://www.emcmortgagecorp.com/emcccn/faq/contacts_new.jsp

We need to march on their corporate office in Texas...you can also call Tony Val Verde at 800-695-7695 - wait till it asks you if you want to type in a name in the company director...

#223259
Feb 23, 2011
446
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Related Information

Loans and Mortgages
Every time there is a need to borrow money person faces an option - to go to a mortgage broker or to work with a direct lender. Many people choose to work with mortgage brokers and direct lenders alike, depending on their individual situation and needs. A mortgage is a lien on a property/house that secures a loan and is paid in installments over a set period of time. The mortgage secures a person's promise that he/she will repay the borrowed money to buy a home. A person should be ready for a financial commitment that could last several decades. Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages. It is vital to make sure that the right mortgage is selected, the one that is right for a person, his/her future plans, and his/her financial situation. Each borrower may choose among the following types of mortgage: fixed-rate mortgage, adjustable-rate mortgage, balloon/reset mortgage, reverse mortgage. A loan is a type of debt. A loan predetermines the redistribution of financial funds over a certain period of time, between the borrower and the lender. At first the borrower receives a certain amount of money from the lender. The borrowed sum is usually but not always paid back in regular installments, to the lender. As a rule, the service is offered at a cost, which is called an interest on the debt. Under the terms of the loan, a borrower may be subject to certain restrictions - loan covenants. Loans are offered by all the financial institutions, like banks and financial services companies.

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