Review and analysis of over 73 complaints against Freedom Mortgage
Freedom Mortgage consumers have reported over 73 official complaints related to Application, originator, mortgage broker. Out of the 73 consumer complaints against Freedom Mortgage, 19% were disputed by the consumer (i.e. the consumer was not happy with how Freedom Mortgage responded to their complaint) and 99% were processed in a timely manner. 3% of consumer complaints against Freedom Mortgage resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Freedom Mortgage Mortgage application, originator, mortgage broker March 27, 2017 - I started a refi with - & they had Freedom Mortgage as the banker, I had a credit score of - 6 months ago, with Freedom Mortgage and - telling me for the last 4 months that they were closing and not to pay debt, made my credit score go down. I want to know how a Bank like Freedom Mortgage can lag and cause my score to go down, Also I would like to know how a mortgage Broker - can lag a refi for 6 months, I was having my home taxes impounded and now they are refusing the loan. I must of signed at least - redisclosures with Freedom. I will make up my late payments but I want to kn... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 21, 2017 - I am upset because Freedom Mortgage is refusing to review my new modification packet. Freedom mortgage approve me for a trial offer back on -. I did not take the trial because Freedom mortgage refused to do an appraisal of my property they use a old appraisal in order to modify my loan. Therefore I was fighting the value of my property, because is severely under water and I believe I can be provided a more affordable trial payment based on the current market value. I have paid for my own CMA however Freedom Mortgage refused to take it into consideration. My intentions are to keep my house w... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 18, 2017 - According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( - ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, -/-/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that ... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 16, 2017 - I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me.... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 16, 2017 - I have submitted 23 disputes to FREEDOM Mortgage and they have been non responsive to my many concerns related to the processing of my refinance application. I have received several letters from FREEDOM Mortgage stating to allow up to thirty ( 30 ) business days for a response. The response time has expired on letters received as far back as - 2016. I have even sent several emails on these issues. All to no avail. I have contacted CFPB, Better Business Bureau, Department of Veterans Affairs and my attorney. Whys has these organization allowed FREEDOM Mortgage to continue to be non responsi... |
Freedom Mortgage Mortgage application, originator, mortgage broker February 2, 2017 - We have been working with Freedom Mortgage company for 5 months to assume a VA loan. Freedom Mortgage has repeatedly requested documents that we sent, then resent per request and received by them months ago. We believe that this is Elder Abuse because of the our ages, - and -. Our lives have been put on hold because of this situation. Daily we have to check the emails, we have written letters and made numerous phone calls to - different loan agents who were identified as handling this loan. We are unable to complete this purchase and have made - extensions of the escrow to date. Th... |
Freedom Mortgage Mortgage application, originator, mortgage broker February 1, 2017 - We were going to get a loan through Freedom Mortgage, but after dealing with them and reading all the information from BBB and Consumer Financial Protection Bureau reviews we decided not to go with them. After we told them no, the mortgage agent just kept going and it turned into a living nightmare for us. The phone calls and emails became so crude and nasty we decided this was not for us. We told them to stop the loan Saturday -/-/2017 in and email and the loan officer refused our request. They continued to process the loan and connect us with closing on -/-/2017 through another email... |
Freedom Mortgage Mortgage application, originator, mortgage broker January 23, 2017 - I got several letters from the company I have a mortgage with suggesting I contact them to refinance my mortgage at a lower interest rate. As I had refinance less than six months earlier I called them to tell them they could stop sending me these letters. They told me that indeed I could refinance so I started the process. During this process I was asked for information I had n't been asked for during the previous refinance. I spoke to the person processing my request asking why this new information was being requested. I was told that every underwriter had different information needs and that... |
Freedom Mortgage Mortgage application, originator, mortgage broker January 6, 2017 - My mortgage company never disclosed to me how much equity was in home. I refinanced for a lower interest rate to - in -/-/-. I was never told the amount that I could receive for refinancing no paper. So now I went to refinance for a cash out in -/-/- to consolidate all my debt into - and was told that have gaps in my employment. Not to mention I called to verify if all of my documents was received and then I got the bad news. I am currently with the same mortgage company presently and they sent me a letter stating that I withdrew my application which was false. My current mort... |
Freedom Mortgage Mortgage application, originator, mortgage broker January 4, 2017 - I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on - - 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information... |
Freedom Mortgage Mortgage application, originator, mortgage broker December 21, 2016 - I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since -/-/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helpi... |
Freedom Mortgage Mortgage application, originator, mortgage broker December 13, 2016 - In -/-/2016, I received a solicitation from Freedom Mortgage to refinance my existing loan where my interest rate would be lowered, along with my monthly payment, through the VA Streamline Refinance Program. My new loan would have the same remaining term as the current loan. With the Streamline program, " there are no closing costs and no appraisal is required. '' On the reverse of the solicitation it states : " We will transfer your escrow account balance from your current loan to your new loan. If your current escrow account is insufficient due to changes in taxes or insurance, we may requ... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 30, 2016 - - - ... FREEDOM MORTGAGE*** THIS COMPLAINT IS AGAINST A SPECIFIC INDIVIDUAL FOR NUMEROUS CRIMINAL ACTS ... WE HAVE EVIDENCE IN WRITING*** - - IS GUILTY OF CRIMINAL CONVERSION, RACKETEERING, EMBEZZLEMENT, LOAN FRAUD, ATTEMPTED GRAND THEFT, MORE WHILE INSTRUCTING NUMEROUS INDIVIDUALS BELOW HER TO COMMIT CRIME IN A CRIMINAL SCAM DEFRAUDING THE ELDERLY, MINORITIES AND THE LESS EDUCATED. FREEDOM MORTGAGE COMMITTED LOAN FRAUD WHEN THEY ISSUED THE LOAN. THEY VIOLATED COUNTLESS STATE AND FEDERAL LAWS ON LOAN DISCLOSURE AND CRIMINAL FRAUD. THEY HAVE CONFIRMED LOAN FRAUD BUT THEY HAVE KEPT... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 29, 2016 - The lender pulled a bait-and-switch on my loan application. I 've been trying to refinance my mortgage since -/-/- and the lender has been dragging his feet. -/-/-, I locked in a rate ( using my current mortgage company ) and began the necessary steps towards a refinance. I delivered all requested documentation and reappraised my house. I 've repeatedly followed up with the lender asking questions and requesting status updates, but the lender failed to respond. Almost two months after I locked into my rate, the lender finally responded saying that he thought " [ myself ] and the proc... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 16, 2016 - On or about -/-/2016 I was contacted by my mortgage company - Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in -/-/- and would have my next payment on -/-/- But I was also told not to skip -/-/- thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 13, 2016 - I applied for a refinance of my home mortgage with Freedom Mortgage on -/-/2016. Finally closed on -/-/2016. I received numerous requests for the same information. Delay after delay. Incorrect information on documents sent to me numerous times. A request for a letter of explanation from my employer for an error caused by Freedom Mortgage. I sensed a delay in wanting me to get frustrated and walk away from the refi due to the slightly lower interest rate and my adding cash at close in order to increase my equity and eliminate the need to pay for mortgage insurance.... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 3, 2016 - I applied for a mortgage refinance through Freedom Mortgage on -/-/16 and did not receive a request for needed documents until -/-/16. I then sent the documents requested to them by e-mail on -/-/16. I e-mailed them on -/-/16 because I had not heard anything and they let me know my appraisal would take place on -/-/16. On -/-/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on -/-/16. On -/-/16 I was asked ... |
Freedom Mortgage Mortgage application, originator, mortgage broker October 20, 2016 - I was contacted by Freedom Mortgage shortly after my mortgage was sold to them from - encouraging me to refinance with them the loan they currently serviced. I was told they would lower my rate and it would n't cost me anything. I asked why they were doing this and they replied if we do n't someone else will. I agreed as long as the term of my loan was n't extended and the rate was lowered and it did n't cost me anything. Documents were mailed to me dated -/-/16. I signed them and returned them -/-/16. I contacted Freedom Mortgage several times after returning the documents to g... |
Freedom Mortgage Mortgage application, originator, mortgage broker October 18, 2016 - I applied for a refinance with Freedom Mortgage. They received my application and they sent me some documents out for me to review and sign and return, which was done. They received another email saying they received it and needed another document showing whats called a subordination from - - - -. Then they informed me they were awaiting the subordination package from - - - - which was - 2016. Freedom Mortgage continued to send me emails saying that they were waiting on the subordination from the - - - -. The last email I received from them was in late -... |
Freedom Mortgage Mortgage application, originator, mortgage broker September 1, 2016 - Applied for a refinance, they checked my credit and took all my info. I asked if they could do a lower rate but they could not, so I said it 's ok, send me my loan estimate anyway, and they would just not send the estimate. This is the 3rd business day since I applied, so I tried calling and emailing again, finally they sent me a preview of one page of the loan estimate, and this does not include the rate quoted.. I asked for the other page but again, no answer.... |
Freedom Mortgage Mortgage application, originator, mortgage broker July 18, 2016 - My fiance and I was searching for a forever home and we finally found one and put an offer on it. My fiance went with freedom mortgage because he was referred. The house was supposed to be a convential loan but with the ac missing and the front door in need of repair it had to be a - loan. I was told it does n't take a super long time but it is longer than comventional. They were still gather info on our credit and financial things even in to month 3. Which is ridiculous. By the time they sent for an appraisal, that did n't come back for over 3 weeks which was after our closing date. Yes, w... |
Freedom Mortgage Mortgage application, originator, mortgage broker July 13, 2016 - my loan was transferred from - to freedom. I called to make a payment to - and was given the number to freedom. I made numerous calls and got a message that my loan was not in the system to call back. I made a call once a week with the same results. I got a notice that I was 1-2 months late and received a call from a collector. I made payments and now I have 3 showing late on my credit score.... |
Freedom Mortgage Mortgage application, originator, mortgage broker June 28, 2016 - Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in - 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over $2000.00. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offer... |
Freedom Mortgage Mortgage application, originator, mortgage broker June 8, 2016 - We are currently trying to refinance with Freedom Mortgage and it 's taking over 3 months.My husband and I have good credit, have a good income, have more than the necessary equity in our home, have never been late for a single payment and yet they are giving us the hardest time. We already have our mortgage with them but we no longer want the fha pmi. My concern is that they are purposefully dragging this out. There is clearly an issue with this company. I wish we had gone with a local bank who could have had this loan done 2 months ago, but we 've already paid $500.00 for the appraisal. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker May 24, 2016 - I am a - - who ordered a verification of mortgage with Freedom Mortgage. I faxed in my request along with the Borrower 's Authorization. When I followed up with Freedom Mortgage the first 2 times, they had verified that they faxed the verification of mortgage to the wrong fax # twice. Finally, on my - call, they faxed the verification of mortgage to my correct fax #, however, they did not include a cover letter or their company name or contact number on the fax. The verification of mortgage showed the Borrower 's name, address, loan #, interest rate, loan amount, etc., but NO mention ... |
Freedom Mortgage Mortgage application, originator, mortgage broker May 20, 2016 - My mortgage is currently held by Freedom Mortgage. My wife and I are refinancing our home with - - - - ( - ). Included in the payoff statement from - Mortgage is an 'Accrued Interest ' of $1100.00, a 'Bill Fee ' of $30.00, and a 'Recording Fee ' of $86.00. I asked - why these fees are on my payoff statement as I believe I should only have to pay off the principal of my loan. - is already charging me a $93.00 Recording Fee. My mortgage was originally financed my Directors Mortgage and my mortgage includes a statement I will pay no repayment fees for paying off th... |
Freedom Mortgage Mortgage application, originator, mortgage broker May 17, 2016 - I have been approved for a refinance that will save me a lot of money. My current lender - Freedom Mortgage- has agreed to reassign the loan ( - ). We have been waiting - weeks for the -. I suspect they are being slow since they are making $150.00 a day in interest payments. I have left numerous messages and they are never returned. I am feeling ripped off each day.... |
Freedom Mortgage Mortgage application, originator, mortgage broker May 6, 2016 - I started a streamline refi with Freedom mortgage on - - it is still not done they have done nothing but string me along asking for everything under the sum ... |
Freedom Mortgage Mortgage application, originator, mortgage broker April 30, 2016 - We are in the process of refinancing our home with Freedom Mortgage who is also our current mortgage servicer. The underwriter is treating our loan as if we do not currently have a loan with the company and as though we are behind on our loan or have ever been. Our appraisal came back at - % LTV which would not allow for us to have the PMI removed. I requested to have an updated loan estimate to include the PMI from the processor as well as the loan officer and I did not receive this information. I would like this information to be able to make an educated decision on my refinance options t... |
Freedom Mortgage Mortgage application, originator, mortgage broker April 28, 2016 - FREEDOM MORTGAGE IS GUILTY OF INTENTIONALLY DEFRAUDING THE GOVERNMENT, INSURANCE FRAUD, CONSUMER FRAUD, WIRE FRAUD, LYING TO FEDERAL INVESTIGATORS, RACKETEERING AND E-TORTION. - - AND - ARE ACCOMPLICES INTENT TO DEFRAUD THE GOVERNMENT ~ They have written countless loans with escrow errors, illegal disclosure forms and misleading payments to entice consumers to refinance. These intentional errors are part of a much larger racketeering scam involving the service companies. They focus on elderly and less educated people and FHA insurance. These minor errors multiply into illegal home the... |
Freedom Mortgage Mortgage application, originator, mortgage broker April 26, 2016 - My mortgage servicer, Freedom Mortgage, sent me someone else 's full packet of mortgage info, including a great deal of protected information such as social security numbers. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 17, 2016 - My current mortgage co. Freedom Mortgage, called and offered a refinance, but after I TOLD them my wife had an open credit fraud case they stated they could n't run either of our credit reports. We agreed on a recorded phone call I would consider a refinance in a few months. The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 2, 2016 - I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker January 19, 2016 - In - -, we were solicited by our current mortgage company, Freedom Mortgage, to refi our existing loan to a lower rate and lower payment. In the solicitation, as well as in phone and email communications, we were told that there would be no closing costs, no costs rolled into our loan and no additional time added to our mortgage. When I expressed concerns about this being to good to be true to the loan officer, - -, he told me it was a customer retention program designed to keep clients happy and prevent them from shopping for a better rate. After we were given written confirmation... |
Freedom Mortgage Mortgage application, originator, mortgage broker December 16, 2015 - I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage am... |
Freedom Mortgage Mortgage application, originator, mortgage broker December 11, 2015 - As a veteran I applied to refinance my mortgage under a program to lower my mortgage payment under a program as a veteran. After accepting a fixed mortgage to get out of an adjustable rate I received an offer that would considerably lower my mortgage. It was then ( approximately 2 months ago ) I was notified the my credit report reflected the my loan was in forbearance for 2 months. I did not even have that mortgage for 2 months. My lender did a 3 way call with Freedom Mortgage who explained that this was a problem in their system. Now 2 months later I had a job offer with - suddenly remove... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 25, 2015 - My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 3, 2015 - We received numerous letters or ads from our mortgage company, Freedom Mortgage, stating that our house was valued at $240000.00 and that we could refinance to use some of the equity in our house. After applying and providing scores of paperwork, we were told that our house appraised at only $200000.00 by an appraisal company from Indiana and we could only get a new mortgage if we paid $10000.00 for it up front. The appraisal was based on more than - houses, - of which was out of our district and was half the size of our house plus it was appraised at only $170000.00 which lowere... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 3, 2015 - I receive a pre-approve letting regarding a loan offer and the letter verification code is - - -, I called them to find out about the offer, I told them before I let her to run my credit, I asked her what credit score that they require to qualify someone, she told me that they require - credit score and I told that my credit score is about -, I told her that I have that I have a lot of deft, she asked me if I have any federal delinquent, I said to her that I am not sure that it is federal but I did sign up a loan with - for someone he did not pay the loan and I found out and ... |
Freedom Mortgage Mortgage application, originator, mortgage broker August 18, 2015 - I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan! ... |
Freedom Mortgage Mortgage application, originator, mortgage broker August 17, 2015 - I am able to pay my mortgage to Freedom. This is regarding Freedom soliciting a new refi. They called me at least - times. The final time, I accepted. Then they took like - months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker August 17, 2015 - I started calling my mortgage company Freedom Mortgage about refinancing in -/-/- 2015 asking what I need to do, what they need from me. after I started the process with - - giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of - - who told me my account was closed because t... |
Freedom Mortgage Mortgage application, originator, mortgage broker July 24, 2015 - I have a loan through Freedom Mortgage - - months ago I applied for HARP- I sent in all documents that Freedom request- - weeks ago ( -/-/15 ) I found out via email that the loan had been closed on -/-/2015- no explanation given- - days prior to receiving an email from the loan processor I was informed that I would have to pay $130.00 at closing- if I agreed they would continue with the loan- I asked what the $130.00 was for - no answer- I was dealing with - - with - and the next thing I received was an email from the loan processor telling me that the loan was cl... |
Freedom Mortgage Mortgage application, originator, mortgage broker July 13, 2015 - I began working with - - and - - in - 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with - - ended on - -, 2015. ... |
Freedom Mortgage Mortgage application, originator, mortgage broker June 13, 2015 - We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the - months waiting for this home refinancing. We just wanted to rate the service of - - - # - as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than - times and left a message all the time - and also called - 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we wer... |
Freedom Mortgage Mortgage application, originator, mortgage broker May 18, 2015 - I applied for a loan off a letter i got in the mail in - of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is - i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well -, -, - went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in -. No my local lender is waiting for the FHA case number to be ... |
Freedom Mortgage Mortgage application, originator, mortgage broker May 8, 2015 - My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in - 2009. We disclose this info to their loan officer the - time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae red... |