Midland Mortgage Coronavirus Forbearance Information

Servicer Payment Options

Phone: 800-552-3000 | 405-426-1299

Website: mymidlandmortgage.com/coronavirus

From Servicer Website

Coronavirus Updates for Our Customers

Below we have detailed the options we’re offering customers who have trouble making their payments because of the coronavirus pandemic:

  • You can request to delay your payments for up to six months.
  • For those six months, no late fees will be charged, and delayed payments won’t be reported to credit agencies as past due. However, we encourage you to continue making your monthly payment if you can afford to.

At the end of the six months, we will help you with the next steps, which may include:

  • Extending the delayed payments past the initial six months
  • Moving the lump sum due for the missed payments to the end of the loan (or when the loan is paid off)
  • Traditional mortgage assistance options such as a repayment plan or loan modification.

If you have forbearance questions and would like to speak to a certified housing counselor, please call the Hope Hotline at 995Hope.org

CLICK HERE for 995Hope.org

Please ask questions or report your experience with this servicer below. Your feedback will help other homeowners navigate homeownership preservation options. REMEMBER: Ask for everything in writing to protect yourself against surprises.


  1. Pete Vasquez on July 26, 2020 at 2:48 am

    Can I refinance with low interest rate

    • Forbearance Report on July 26, 2020 at 4:10 am

      Hi Pete, once your mortgage is out of forbearance. There are different guidelines depending on what type of loan you’re using, but you can absolutely refinance once you’re back to work.

  2. Taylor Wilson on July 26, 2020 at 5:20 am

    How long will it take to find out if Midland Mortgage approved the delayed payment/forebearance request?

    • Forbearance Report on July 27, 2020 at 5:03 pm

      Taylor, if your mortgage is federally backed (Fannie Mae, Freddie Mac, FHA, VA or USDA) you are covered under the CARES Act, and you should be granted forbearance simply by asking for it online or with a customer service representative at your servicer.

      According to the CARES Act, you do not have to provide any proof that you are experiencing a hardship, and the forbearance must be granted up to 180 initially, with the ability to be extended an additional 180 days if you’re still experiencing financial hardship.

      If your mortgage is not federally backed, Midland Mortgage is encouraged to follow the CARES Act guidance but is not required to.

  3. Javier A Segovia on August 4, 2020 at 3:24 am

    what are the requirements you need to move the lump sum to the end of the loan

    • Forbearance Report on August 4, 2020 at 4:07 pm

      The minimum requirement would be that you have the ability to start making payments moving forward.

      Reinstatement options will depend on your ability to repay. If your mortgage is federally backed (Fannie Mae, Freddie Mac, FHA, VA, USDA), your servicer cannot require you to pay the lump sum all at once. You may also be offered a payment plan to spread out the skipped payments over the next 6-12 months.

      If your servicer did not provide you with your options at the time of forbearance, you will have to contact them to discuss what options are available to get your loan back in good standing.

      • Mary on November 30, 2020 at 4:15 pm

        question is that if you owe at end of forbearance, if your income is back to what was originally was prior to forbearance period, will Midland Mortgage put payments on end of loan, or what is criteria? Loan is FHA

  4. Jorge on August 15, 2020 at 5:11 pm

    In the forbearance period will the bank continue to make tax’s payments and home insurance?

    • Forbearance Report on August 15, 2020 at 5:34 pm

      According to the CARES Act, if your servicer is currently collecting taxes and insurance, they must continue to pay those on your behalf. We suggest that you contact Midland directly and ask if they are following the CARES Act guidelines.

  5. Jordan King on September 13, 2020 at 5:10 am

    I am under the forbearance plan right now which ends in Oct. I requested for additional 6 months since my job turned into permanent lay off. I was wondering once I am able to resume payments what the requirements are to roll the amount of missed payments to the end of my loan?

    • Forbearance Report on September 13, 2020 at 5:42 pm

      Jordan, if your mortgage is federally backed, and covered under the CARES Act, deferment should be one of the options available to you. If your mortgage is FHA, VA or USDA, the options are a little different. If your mortgage is Fannie Mae or Freddie Mac backed, adding the payments to the end of the loan is called a “COVID-19 Payment Deferral” option.

      It is likely your servicer will first attempt to catch all payments up in one lump sum. The next option might be to pay it off over the next 12 months. It is also likely that you will not be a financial position to do either of these, so a payment deferral would be the best option.

      Contact your servicer now, before the extension and have this conversation about what your reinstatement options are after the forbearance.

      We hope this helps?

  6. Christine on September 17, 2020 at 4:28 am

    My mortgage was sold to midland mortgage right when I was approved for a partial claim loan modification with the previous mortgage company after going back to work. Unfortunately, I never received the papers to be notarized and finalized. I’ve been trying to get the paperwork from Midland since July but I feel like I keep getting the runaround and different answers each time I call them. I even faxed them my letter two months ago from the previous mortgage company stating that I was approved (my modification was supposed to start September 1st). And although they say it’s in their system, they keep saying that they’re waiting for the paperwork by HUD. Some said they sent the paperwork already but it never came. So I’m not sure if they’re just trying to give me the run around or trying take my house. 🙁

    • Cathy on September 23, 2020 at 8:59 pm

      I’m in the same situation…did you ever get a resolution? Thank you!

    • Frank on October 26, 2020 at 5:21 pm

      This is EXACTLY what I’m going through and am now considering hiring a lawyer.

      • Ke on December 9, 2020 at 11:41 pm

        Hire a real estate lawyer asap!
        Yes! The plan is to take your home.
        Do not spend the mortgage payments.
        Save the mortgage payments in a credit union. Most credit unions do not have a monthly maintenance fee.
        File a complaint with the Consumer Financial Protection Board. Make copies of all your documents cause you will submit the documents with your complaint. If you use a lawyer make copies of your documents. Do not give anyone your original documents even if it’s to make copies. Trust me you will never get them or you will get some back.
        Contact news media.

  7. Cindy on January 20, 2021 at 10:09 am

    Hello i am thinking on going to the covi19 forbearance plan but my mortage is past due at the moment two months will i be able to do that even though it is past due at the moment and will i also be able to still make my payments on the plan? Thank you so much

    • Forbearance Report on January 20, 2021 at 3:52 pm

      Hi Cindy, your servicer will determine what your options are unless your loan is Government-backed (FHA, VA, USDA, Fannie Mae, or Freddie Mac) and you are covered under the CARES Act. Under the CARES Act, you can go into forbearance and the skipped payments will not be reported as late. If it’s reported correctly, it will show the 2 months behind until the loan is out of forbearance.

      Your servicer also determines your exit from forbearance. It is likely that your repayment plan will include the two missed payments and can be paid back either if you sell or refinance, or any other modification the servicer offers in an effort to keep your loan current moving forward.

      If you are unable to catch up on those 2 missed payments, I highly recommend you take advantage of forbearance while it is still available.

      • Cindy on January 21, 2021 at 9:56 am

        So i can still do this even though i am 2 months past due and also the mortage insurance real estate and homeowners insurance still gets paid ?thanks so much for your advice

        • Forbearance Report on January 21, 2021 at 3:32 pm

          Hi Cindy, there really isn’t a clear cut answer to that question – you have to contact your servicer to find out your options. If your taxes and insurance are paid through your mortgage payment now, it will NOT be collected while in forbearance. This will make your escrow balance short and may result in a higher payment until it’s caught back up.

          Please contact your servicer as soon as you can. It may be more challenging to get forbearance if you fall behind any more.

  8. Cindy on January 22, 2021 at 1:24 am

    Thank you very much

  9. Yoan on January 24, 2021 at 11:25 am

    Any chance they will extend the forbearance another 6 months since many of us are still unemployed? Not sure if the supposed new stimulus includes that. And does Midland offer tapping into equity and rolling that into the mortgage payment? Thanks in advance

    • Darlene on April 3, 2021 at 4:01 pm

      We already have had Done the mortgage
      Forbearance twice. I went though VA. And my mortgage is midland. I was wondering if I could do the it again. Thank you so much if you could answer.

  10. Roeun Phuon on February 27, 2021 at 3:10 pm

    Hi I been on mortgage forbearance already it end on March .But do to my job I don’t have enough to pay my mortgage.Can I extend my mortgage forbearance?

    • Forbearance Report on February 27, 2021 at 4:14 pm

      Under the cares act, a Federally backed mortgage is eligible for up to 360 days forbearance. If you have not exceeded that time frame, contact your servicer immediately and request an extension.

      Hope this helps?

    • Darlene on April 3, 2021 at 4:26 pm

      Thank you I believe my question has already been answered with only 365 days and no more.
      Thank you

    • Darlene on April 3, 2021 at 4:27 pm

      Thank you I believe my question has already been answered with only 1year and no more.
      Thank you

  11. Yvette Somohano on December 14, 2021 at 7:05 pm

    I had a mortgage with Midland and it was sold to M & T, I am in the process of refinancing but I can not proceed without the forbearance approval and application . Who or where do I call to get this.

  12. Midland Mortgage Payment – KIDOOWORLD on March 18, 2022 at 11:45 am

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  13. Mohamed on June 12, 2022 at 1:12 pm

    I have just been approved Covid 19 Forbearance.
    Now, I have decided to sell my house because I have
    a good equity.

    Can I sell my house now, or since I have just been approved Forbearance I am not allowed to sell

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