Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

VA mortgage Loan modification,collection,foreclosure Virginia

My late husband owned our home prior to our marriage and since his death -/-/-, I have been attempting to deal with his mortgage company via their servicer, -. My name was never on this mortgage or deed. Following his death I applied and was granted by bonding legal right to handle any affairs related to my husband. There are many issues I have encountered for three and one half years. The mortgage involved is # -, the - ID in the name of my late husband, - - - ( SS # - ) - has had me apply for loan modification - times to only be denied and notified me by the reply, " our investor has decided to decline to offer loan modification at this time '' with no further explanation. This mortgage has been involved in a " class action suit '', - vs -. This settled in - -. Since that time I have received over - documented telephone calls from -. Upon answering the calls I explained to the - representative this is a difficult legal matter and I would not divulge information over the telephone that any requests for information or action need


I never received restitution from the lawsuit, I was always sent an outdated check which was replaced - times with more outdated checks. Until I spoke with the Veterans Administration on -/-/-, I was not aware there is literally nothing I can do to resolve this. - is unaware that I have this knowledge. They have drawn out this process - - yrs accruing huge substantial fees and penalties for the entire period. The mortgage has now been forwarded to - of their legal firms, - - and -, - for foreclosure, the home is scheduled to be sold -/-/-, and to this day I have received no notification that this has occurred. I was made aware of this by the Vet Admin representative. This was the only way I discovered this action was in the near future. Still today - will not permit me to speak with the " Relationship Manager '' assigned to this mortgage. They insist I complete yet another request for loan modification package, another stalling, and return to them. Then and only then will they schedule an appointment for me to speak with the relationship manager. They send mail to my late husbands first/deceased previous wife ( - - - ) although they were provided with a certified death certificate. I furnished certification of my court appointed bonding to handle - - issues following his death and receive nothing addressed to me. Documents are only addressed to deceased individuals. Fees and penalties have accumulated to such an extent there is no possibility I could ever afford them. To make matters worse when - - refinanced his mortgage in -, he was charged more than $10000.00 in fees when his intent was to access $10000.00 of equity in his home. I did not think these significant fees were applied for VA guaranteed loans. Also of significant notice was the fact that - - underwent - - removal in -, was totally unable to - without assistance, suffered significant -, and of significant importance, he suffered -, he could not - to read, even following 1 1/2 yrs of - therapy at - - - , - No way could he read or understand what he was signing. Also an issue of noted mortgage insurance premiums on the - form provided, however when I asked about this was told it was an error and would not honor request to apply for these. Such a mess I need help