Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Maine

I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in -/-/- even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.