Freedom Mortgage consumers have reported over 675 official complaints. Out of the 675 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. 1% of consumer complaints against Freedom Mortgage resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 1% resulted in non-monetary compensation.
| Issue | Complaints | Disputed |
|---|---|---|
| Loan servicing, payments, escrow account | 413 | 19% |
| Loan modification,collection,foreclosure | 97 | 18% |
| Application, originator, mortgage broker | 73 | 19% |
| Settlement process and costs | 52 | 21% |
| Credit decision / Underwriting | 35 | 17% |
| Other | 2 | 0% |
| Taking out the loan or lease | 1 | 0% |
| Disclosure verification of debt | 1 | 0% |
| Incorrect information on credit report | 1 | 0% |
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Stop CallsFreedom Mortgage Mortgage loan servicing, payments, escrow account April 7, 2017 - I am a customer of Freedom Mortgage and I have been since I took out a loan in -/-/- to purchase my condo. Since then I have always paid my monthly mortgage payment which includes property tax escrow, on time. However, Freedom Mortgage and its affiliates as holder and servicer of my mortgage, in turn, did not pay my property taxes on time in -/-/- and -/-/- and miscalculated the escrow amounts. By not paying the property taxes for over two years Freedom Mortgage incurred over $3800.00 in late fees and penalties and fines. During the time when they did not pay I sent my paymen... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account April 5, 2017 - first thing my mortgage started eleven years ago, started through my bank was sold to - right away, i refinanced the mortgage went to -, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with - long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and - said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said -/-/2017, then over a year ago Freedom Mortgage bought ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 29, 2017 - Mortgage company was notified of failure to pay property taxes on -/-/2017. Multiple phone calls were made trying to find out when a check would be cut. -/-/2017 was told it would be paid before the -/-/-. Called today -/-/2017 and was told it was still being researched and would not be done until -/-/-. This is the opposite of what I had been told all month long. Now no one will send me an email stating I am not responsible for penalties after -/-/- nor will they confirm when property taxes will be paid. I want property taxes paid by -/-/- and if not possible I want ... |
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 loan servicing, payments, escrow account March 24, 2017 - Freedom Mortgage misappropriated a refund check from our insurance company to our escrow account to our principal. This was done even though we sent the check with a letter stating exactly where the money was to be placed. They gave us the language to use in the letter. This error was not realized until there was an escrow analysis done and we were notified that we had an escrow shortage. There was no way to access our escrow account on line and we were unable to see the running balance. We contacted Freedom Mortgage and they said they would investigate. Without contacting us they transferred ... |
Freedom Mortgage Mortgage settlement process and costs March 22, 2017 - I got an offer in the mail from Freedom Mortgage at Freedom Mortgage - Ohio - I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates wi... |
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 loan servicing, payments, escrow account March 20, 2017 - I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to - there is a balance owed and when I contact - - of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to - when pressed however they have corrected - then reported balance due again.... |
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 loan servicing, payments, escrow account March 16, 2017 - This is about Freedom Mortgage Corp. For all of -/-/- I have been giving the monthly mortgage premium payments to a supervisor in the Finance Dept . to process as their online website had so many glitches and inconsistencies which made it extremely difficult to even access information far less to make the payment. For the most part, I was not able to log in at all. I have been receiving tons of mails and calls about re-financing which I kept on telling this company that we were NOT going to refinance as we already had a very good VA rate. Each letter showed a completely different mailing ... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure March 15, 2017 - My mortgage holder, has attempted to, and is presently trying to, fraudulently foreclose on my home, doing so for years now, using various extreme predatory lender tactics. They are Freedom Mortgage, my loan number is -, their phone number is : - - - -. The property address is - -, - - -, -, CA -. I was referred to you by my US Congressman - - that sent an inquiry on my behalf to you yesterday. Freedom Mortgage is colluding with our homeowner 's insurance provider, - -, to literally steal our home. This has gone on for at least two years and is... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 14, 2017 - On -/-/- my property, located at -, -, SC was reassessed by the -, South Carolina Tax Assessor 's Office. On -/-/- a CORRECTED copy of the tax notice was sent to Freedom Mortgage, the mortgage company that services my home mortgage. On -/-/-, Freedom Mortgage paid $1200.00 from my escrow account for the property taxes owed on my home. The amount paid was the amount of the ORIGINAL tax bill, and not the CORRECTED tax bill which was sent to them on -/-/-. The - Tax Collector held on to the payment of $1200.00 until the middle of -/-/- at which time the... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 13, 2017 - i was told when i initiated this mortgage that bi-weekly payments would be credited when made thru autopay. i now find out that is not true. although i made payments on the -/-/- and -/-/-, the payment made on the -/-/- was not credited to my principle until the -/-/-. had i known this i would never have done business with freedom mortgage. i will certainly never do business with them again and would recommend to anyone i can to avoid freedom mortgage. dealing with freedom after closing has been a very unpleasant experience.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 13, 2017 - Our home was purchased in -/-/-. It is a New construction home purchased from -, - was our original Mortgage Lender. We put down More than 20 % on a Conventional 30 year loan. We waived Escrow for our Property Taxes, but Escrowed our Homeowners insurance. The loan was sold to - before the first payment was due. - only had our loan until -/-/-, and it was sold to Freedom Mortgage. Our first payment to Freedom Mortgage was made -/-/-. We Paid every month on time, and also paid - Extra mortgage Payments over the last 2 Years. Our property Taxes were all paid includi... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 12, 2017 - I have a FHA loan with Freedom Mortgage and my mortgage insurance was scheduled to fall off on -/-/2017 I have called several different times to confirm this date. I 've been staying one month ahead on my payments so last month I called because I was wanting to make my - payment, but the online site was still showing the mortgage insurance was still included on the payment. So I called a customer service agent with Freedom Mortgage who checked and verified the date of -/-/2017 and stated that was correct, and that the online site had just not updated yet since I was a month ahead, and t... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 10, 2017 - I have been getting unwanted sales calls from my mortgage company, Freedom Mortgage. They are trying to pressure me to go further into debt with them by taking out a second mortgage or a home equity loan. I told them that I did n't want to receive these sales calls, but they keep calling anyway.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 9, 2017 - On -/-/- I refinanced my VA home mortgage with - - - - in the amount of $220000.00 with a monthly payment of $1000.00. ( See enclosure BBB_ Complaint Case ID # - ). This mortgage was subsequently purchased by Freedom Mortgage Company. As you can see from - I have been paying $1400.00 every month on time. Then in -/-/- my payment was raised to $2200.00 ( See - ). I contacted Freedom Mortgage and they told me the increase was caused by a mistake at the -/-/- settlement on the amount of property taxes and that they were going to spread the " arrears '' ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 7, 2017 - I received a 'Notice of Rights to Cancel PMI ' from my mortgage company. I emailed them on -/-/- to dispute that they told me I was not eligible when I called. Their reasoning on the phone was that my loan was not old enough and would need to pay to get an appraisal, however my broker said since I have invoices of work completed on my house to backup the increase of value when I had an appraisal done at refinance in - that I should qualify to have it removed without needing appraisal. At the time of my call my mortgage balance was - % of the scheduled value- and the letter states th... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 7, 2017 - REF Case number : - Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed - payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure March 3, 2017 - I was in the process of a loss mitigation claim with Freedom Mortgage and I received a letter dated -/-/2017 stating my claim was facially complete and I would hear from them within 30 days. Then, I received a letter from - dated -/-/2017 stating that my loan had been sold on -/-/2017. I never received anything from Freedom Mortgage about this, I received only a letter from them dated -/-/2017, AFTER the supposed sale of my mortgage, stating that my claim was being processed.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 3, 2017 - Freedom Mortgage grossly and negligently estimated my escrow amount over the past few years and ended up with a shortage of nearly $2000.00. They now want me to pay in full for their inept skills, increasing my total monthly mortgage payment by nearly $250.00 and adding a tremendous hardship. Freedom Mortgage is now demanding this additional payment under threat of reporting me to the credit bureaus and charging late fees. Their use of position and authority to try and intimidate me is both discouraging and serves as one of the many reasons for this complaint. If this information is publis... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 2, 2017 - Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 1, 2017 - - - - VA - SS # - Loan # - Registered Loans Loan Number - Property Address - -, VA - Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 28, 2017 - Freedom Mortgage has held payment on my account and has not applied toward my balance. Freedom Mortgage did not advise me of a escrow change to my account and has not applied my payment but has reported my account late to the Credit Reporting Agencies. I have contacted Freedom Mortgage 3 times to attempt to have this corrected.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 27, 2017 - I have contacted Freedom Mortgage Corporation on - separate occasions to remove my PMI insurance since we own more than - % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. Purchase price of home was $160000.00, principal as ... |
Freedom Mortgage Mortgage settlement process and costs February 25, 2017 - WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE - CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY -, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HA... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 25, 2017 - When the loan was purchased from - to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another $110.00 late fee again even though I had made my - payment on time. Their excuse is that they had adjusted my monthly payment amount an additional $20.00, and that they 've waived enough payments for me in the past ( even though those waivers were their fa... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure February 23, 2017 - In - -, I was in a bad - accident that caused me to fall into financial trouble. In - -, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of - -, -. After paying the full payment amount they indicated after going through their automatic system and speaking with - people ( $ - $160.00 ), they stated that they only received $ - $160.00 and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure February 23, 2017 - The end of - I was approved for a Trial Modification with my lender, - - -. The Trail consisted of making payments for -, -, - and - -. I made -, - and - after making my - payment I received a letter from my lender stating my mortgage was sold from - to Freedom Mortgage. When I received the letter I contacted Freedom Mortgage to ask them how this would affect my trial modification. They had said that it should n't that it may take a little longer to get the paperwork transferred but just continue making my payments. I continued to pay my mortgage. I ca... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 20, 2017 - Freedom Mortgage has been aware since - - they owe me $3100.00 from - duplicate mortgage payments and has taken no steps to remedy the issue. In - or - -, my mortgage was sold to Freedom Mortgage. My automatic payment for my previous mortgage company was no longer valid, so I called to make a payment, then attempt to set up automatic payments. My first attempt at setting up their automatic payment was unsuccessful, and I never received confirmation that the automatic payment process went through. Both my - and - mortgage payments were one-time payments. In -, I s... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 16, 2017 - Our Private Mortgage Insurance Disclosure form signed at closing ( in 2014 ) states that we can request to have our PMI cancelled once the principal balance of our loan reaches 80 % of the original value of the property. We have paid the loan down to 80 % and met all the other conditions listed on our disclosure form ( except getting a new appraisal, but plan to ). However, Freedom Mortgage sent us a letter stating the following, " A Loan-To- Original-Value ratio of 80 % or less ( original value is considered the lesser of purchase price or original appraisal ) and a current property value at ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 15, 2017 - Issues in this complaint : Improper handling of escrows Failure to pay property taxes timely Repeated provision of false information concerning the status of property tax payment Duplicate payment of property taxes with full knowledge that they had already been paid Failure to reimburse duplicate property tax payment timely Loss of earnings on retirement savings withdrawn to cover unpaid property taxes Details : Freedom Mortgage withdrew $4900.00 from our escrow account for property taxes on - -, -. We were scheduled to refinance on - - through - - and a few days before ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 7, 2017 - My loan payment was adjusted by my lender due to a new escrow account analysis. I did not receive this analysis or notice of the new payment. My payment history is excellent. My normal payment was made in -/-/- but was less than the new payment amount so the lender put it into " unapplied funds '' and sent me a delinquency notice. I promptly made an additional payment and the account is now current. My request for refund of late charges and interest has been denied.... |
Freedom Mortgage Mortgage credit decision / underwriting February 4, 2017 - I applied for a refi in - -. Freedom Mortgage has been completely unorganized. They continually are switching my account to different employees ... Losing my documents.. Requesting and re-requesting documents. They have lost information. It has now come down to where they wo n't honor my locked in interest rate and want to charge me additional fees. Freedom has caused the delay, with hiring and firing and losing documents. No one is on the same page. It has been 6 months. One person will tell me that the Quick Claim Deed does not prove that I am not financially responsible for another h... |
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 credit decision / underwriting February 2, 2017 - My refinance with Freedom Mortgage started - -, - and was on schedule to close by - -, -. - - contacted me with a notice of incomplete application on - -, - and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the -, I was told I could get a 15 year loan and only pay $25.00 more than what I am paying now, which turned out to be a total lie, and emails back and forth between - and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to -, a... |
Freedom Mortgage Mortgage credit decision / underwriting February 2, 2017 - -/-/2016 we were contacted by Freedom Mortgage stating we were pre approved for re-financing our current FHA loan. They stated that we qualified based on fha guidelines and that we would not be denied. We worked with them for 4 months and finally after - loan processor changes and multiple hard inquiries on our credit history, it was submitted to underwriting. It was denied. They stated the reasoning for the denial as not enough funds to cover closing ( we had over $2000.00 in escrow from our current loan, as well as money saved aside for closing ). They also stated we had to many past ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 1, 2017 - I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not... |
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 loan servicing, payments, escrow account January 31, 2017 - Our mortgage was sold to Freedom mortgage soon after we closed. As soon as they got over, all - broke loose : 1. We were told as soon as the mortgage balance dropped below 80 % of original loan, we were going to be able to recast the loan and get rid of the escrow. We called several times. Every time we called, the person at the end of the line was telling us a different story. We have several names of people that we called and we can produce evidence/records of these calls. - we sent our request in writing for the above things to happen - we sent the payment in, plus the recast fee ( they... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 24, 2017 - Freedom mortgage has failed to pay my property taxes for -/-/2016 to the - county treasurer. I know have a delinquent tax notice out against me when I have done nothing wrong as it was suppose to be paid from escrow. Freedom mortgage, has been extremely difficult to work in getting this situation resolved. They are stating they will not have resolution until the end of -/-/- which is unacceptable since I have been working on this for almost a month when I found out. I need resolution of this as I pay my bills and have done nothing wrong. Freedom mortgage needs to take care of their m... |
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 Credit reporting incorrect information on credit report account status January 23, 2017 - We have had our mortgage with Freedom Mortgage since -/-/2007. Sometime early on they began using a service company called -. We did not send any payments to them as we did not understand what this is all about. Each and every single, on time payment has been made to Freedom Mortgage also indicated for what month and year the payment was made. They then advised us they took it back from the service company and gave the mortgage loan a different number. We have continued and have always made the mortgage payments on time and accurate. However, on a consistent basis they continue to send us... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 21, 2017 - I contacted Freedom Mortgage on -/-/- to inquire as to the status of the PMI being charged on my loan. I was informed that the PMI was scheduled to be terminated in - -. Freedom Mortgage stated that, as of -/-/- my LTV is -. When I stated that my PMI should be automatically cancelled when the LTV drops below -. The rep told me to write an email to Customer Care so Freedom could research the issue, which I did on the same day. My husband called to follow up on -/-/- as we had not received a response to my email. Freedom told my husband that, in order for F... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 13, 2017 - Since -, I have been charged unexplained fees to my mortgage. On - - I became aware that my - payment came back NSF. At that time, I called and spoke with a representative and paid the past due payment, late charge, and NSF along with a $15.00 fee to make payment over the phone. When I went to pay my - payment, I noticed their were $70.00 of unexplained fees in the payment amount. At that time, I called and spoke with a rep who took my payment over the phone and told me the fees would be researched but he would waive the late charge and took my payment over the phone. As of ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 13, 2017 - I RESIDE IN WISCONSIN ; - COUNTY. FREEDOM MORTGAGE IS REFUSING TO PAY MY - PROPERTY TA- PAYMENT ON TIME. THE FUNDS HAVE BEEN PLACED IN ESCROW OVER THE COURSE OF THE YEAR AND FREEDOM MORTGAGE IS REFUSING TO RELEASE THE FUNDS TO ME OR THE TOWNSHIP WHERE I RESIDE. I WAS TOLD IN - THAT THE TA- CHECK WOULD BE SENT IN THE MAIL DIRECTLY TO THE TOWNSHIP ON THE DUE DATE OF -. ON - MY WIFE WAS TOLD BY A FREEDOM MORTGAGE REPRESENTATIVE THAT THE PAYMENT SHOULD HAVE BEEN MADE BY -. FREEDOM MORTGAGE IS NOW STATING THAT THEY NEED TO INVESTIGATE WHY THE TA-ES WERE NOT PAID BY - AND SAID I... |
Freedom Mortgage Mortgage credit decision / underwriting January 11, 2017 - I have not been in contact with my loan processor/mortgage broker, - - at Freedom Mortgage Company in -, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and - child will be homeless due to the disregard and unprofessional conduct by the ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 11, 2017 - My Broker and I contacted a manager at Freedom Mortgage on -/-/- asking about if they would be sending the - Tax payment in. We were told that it was to be mailed out on - -, -, upon which we told them that that would cause it to be late. I told them that I would go and pay it so that my loan would be able to be closed. I did and have copies of the paid receipt from - - - - office and also the front and back of the check. I contacted Freedom Mortgage on - -, - and told them that I had paid the taxes personally and they said that they mailed the check t... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 8, 2017 - This a request for reimbursement of $21.00 from Freedom Mortgage as well as a request for a review by the appropriate authority of a questionable business practice on the part of Freedom Mortgage that likely results in impacts to many unknowing mortgage customers. The background follows : I sold a property at - - -, -, CA that had a mortgage with Freedom Mortgage. The business address and contact information provided for Freedom Mortgage on my previous mortgage statements is as follows : -, -, T- -. The property transaction closed on - -, 2016 and I am providing ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account January 6, 2017 - Charged a late fee on my mortgage payment erroneously. check was cashed on -, late fees payable after - and yet bank charged me a late fee.... |
Freedom Mortgage Mortgage credit decision / underwriting January 6, 2017 - I have been a Freedom Mortgage customer since I purchased my home in - -. In - - I decided to refinance my loan, but the entire process has been extremely frustrating and unsatisfying, particularly with a Freedom Mortgage employee, - -. - - demonstrated appalling disregard and unprofessionalism. Emails between - - and I illustrate how I have been proactive in this process to provide the necessary documents needed. Yet, - - has neglected my information resulting in me receiving an email from - -, that my loan would be withdrawn due to " non-responsive c... |
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 loan servicing, payments, escrow account December 31, 2016 - My loan was transferred to Freedom Mortgage starting on -/-/2016. I had sent a payment to the wrong company -/-/-, and talked to - different customer service reps to make sure that a late fee would not be charged. They both stated that they had removed the unauthorized fee, yet they keep showing up in my statements. Under federal law, a person can not be charged a late fee within the first 60 days after a loan is transferred, and a loan is transferred according to the - payment to the new provider ( -/-/2016 ). I am also unable to pay the amount without the late fee, unless I ca... |
Freedom Mortgage Mortgage credit decision / underwriting December 31, 2016 - We are refinancing our mortgage through - - - - -. We were pre-approved by Freedom Mortgage company for $160000.00. pending our appraisal. We were given an FHA certified appraiser from - - ( through - ). The appraisal came back at $190000.00. which was only $5000.00 shy of what we needed. So the broker ( - - ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. we received our upda... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account December 30, 2016 - Freedom mort assessed our loan over $400.00 in late fees that we do not owe. They refuse to communicate with me, except hiding behind a letter saying they wo n't reverse the fees with NO explanation or proof I owe these late fees. I have documentation that proves NO LATE payments have been made. I call them, they tell me to email, I email they do n't respond. They are lying about the late fees being owed on my account. They also raised our mortgage $200.00 a month with no warning.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account December 30, 2016 - Since the beginning we have had nothing but trouble with this company, about two years now, they continually raise our monthly payments and upon inquiry as why they were going up we were told it is due to a missed payment and it distributes that months payment across a 12 month period, which would be fine if we were actually behind! Additionally, every month we try to make a payment online it simply says that a payment can not be made to an unknown error, we have tried several different browsers and computer still did not work, forcing us to make a payment through their telecommunication and p... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure December 28, 2016 - On -/-/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form - is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the - form, but after checking find the d... |