Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

Other mortgage Settlement process and costs Pennsylvania

Just recently my husband and I were contacted by loan officer - - - who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked - - what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with - - that we opted to take a higher interest rate to not have PMI. He asked - - if by refinancing we were now going to have to pay PMI. - - said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. - - sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from - - the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to - -. After weeks of trying to get in contact with - - he has not returned any of our emails. The only thing we received from - - are new documents to sign which show that we now would owe over $4000.00 in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.