Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

Other mortgage Application, originator, mortgage broker New York

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. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on - -, 2015, I called - ; - in the morning and - at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead - - sent me an email to call him the following morning. Since I began the


award-winning employees, I am now locked in at a higher rate, thus spending - more over the life of my mortgage. I now highly regret engaging in contact with -, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this - is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent - - and - - the - pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between - and myself. Emails and phone records are available upon request. I want to know what - will do to rectify this situation.