Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account New Jersey

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 that once it reaches - % if should automatically terminate. I emailed Freedom Mortgage copies of the contract for improvements completed in -/-/-, a copy of the refinance appraisal from -/-/-, and a copy of PMI rules sent to me by my broker showing that since I made improvements I should not need a new appraisal to be eligible to have PMI removed. I received a letter dated -/-/- that I would receive a response within - business days but still have not received any response.