Review and analysis of over 138 Va Mortgage complaints against Freedom Mortgage
Freedom Mortgage consumers have reported over 138 official complaints related to VA mortgage. Out of the 138 consumer complaints against Freedom Mortgage, 13% were disputed by the consumer (i.e. the consumer was not happy with how Freedom Mortgage responded to their complaint) and 100% were processed in a timely manner. 1% of consumer complaints against Freedom Mortgage resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Freedom Mortgage Mortgage settlement process and costs March 22, 2017 - I got an offer in the mail from Freedom Mortgage at Freedom Mortgage - Ohio - I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates wi... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 20, 2017 - I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to - there is a balance owed and when I contact - - of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to - when pressed however they have corrected - then reported balance due again.... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 18, 2017 - According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( - ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, -/-/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that ... |
Freedom Mortgage Mortgage application, originator, mortgage broker March 16, 2017 - I have submitted 23 disputes to FREEDOM Mortgage and they have been non responsive to my many concerns related to the processing of my refinance application. I have received several letters from FREEDOM Mortgage stating to allow up to thirty ( 30 ) business days for a response. The response time has expired on letters received as far back as - 2016. I have even sent several emails on these issues. All to no avail. I have contacted CFPB, Better Business Bureau, Department of Veterans Affairs and my attorney. Whys has these organization allowed FREEDOM Mortgage to continue to be non responsi... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 16, 2017 - This is about Freedom Mortgage Corp. For all of -/-/- I have been giving the monthly mortgage premium payments to a supervisor in the Finance Dept . to process as their online website had so many glitches and inconsistencies which made it extremely difficult to even access information far less to make the payment. For the most part, I was not able to log in at all. I have been receiving tons of mails and calls about re-financing which I kept on telling this company that we were NOT going to refinance as we already had a very good VA rate. Each letter showed a completely different mailing ... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure March 15, 2017 - My mortgage holder, has attempted to, and is presently trying to, fraudulently foreclose on my home, doing so for years now, using various extreme predatory lender tactics. They are Freedom Mortgage, my loan number is -, their phone number is : - - - -. The property address is - -, - - -, -, CA -. I was referred to you by my US Congressman - - that sent an inquiry on my behalf to you yesterday. Freedom Mortgage is colluding with our homeowner 's insurance provider, - -, to literally steal our home. This has gone on for at least two years and is... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 14, 2017 - On -/-/- my property, located at -, -, SC was reassessed by the -, South Carolina Tax Assessor 's Office. On -/-/- a CORRECTED copy of the tax notice was sent to Freedom Mortgage, the mortgage company that services my home mortgage. On -/-/-, Freedom Mortgage paid $1200.00 from my escrow account for the property taxes owed on my home. The amount paid was the amount of the ORIGINAL tax bill, and not the CORRECTED tax bill which was sent to them on -/-/-. The - Tax Collector held on to the payment of $1200.00 until the middle of -/-/- at which time the... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 13, 2017 - i was told when i initiated this mortgage that bi-weekly payments would be credited when made thru autopay. i now find out that is not true. although i made payments on the -/-/- and -/-/-, the payment made on the -/-/- was not credited to my principle until the -/-/-. had i known this i would never have done business with freedom mortgage. i will certainly never do business with them again and would recommend to anyone i can to avoid freedom mortgage. dealing with freedom after closing has been a very unpleasant experience.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 9, 2017 - On -/-/- I refinanced my VA home mortgage with - - - - in the amount of $220000.00 with a monthly payment of $1000.00. ( See enclosure BBB_ Complaint Case ID # - ). This mortgage was subsequently purchased by Freedom Mortgage Company. As you can see from - I have been paying $1400.00 every month on time. Then in -/-/- my payment was raised to $2200.00 ( See - ). I contacted Freedom Mortgage and they told me the increase was caused by a mistake at the -/-/- settlement on the amount of property taxes and that they were going to spread the " arrears '' ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 1, 2017 - - - - VA - SS # - Loan # - Registered Loans Loan Number - Property Address - -, VA - Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies... |
Freedom Mortgage Mortgage settlement process and costs February 25, 2017 - WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE - CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY -, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HA... |
Freedom Mortgage Mortgage application, originator, mortgage broker February 2, 2017 - We have been working with Freedom Mortgage company for 5 months to assume a VA loan. Freedom Mortgage has repeatedly requested documents that we sent, then resent per request and received by them months ago. We believe that this is Elder Abuse because of the our ages, - and -. Our lives have been put on hold because of this situation. Daily we have to check the emails, we have written letters and made numerous phone calls to - different loan agents who were identified as handling this loan. We are unable to complete this purchase and have made - extensions of the escrow to date. Th... |
Freedom Mortgage Mortgage credit decision / underwriting February 2, 2017 - My refinance with Freedom Mortgage started - -, - and was on schedule to close by - -, -. - - contacted me with a notice of incomplete application on - -, - and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the -, I was told I could get a 15 year loan and only pay $25.00 more than what I am paying now, which turned out to be a total lie, and emails back and forth between - and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to -, a... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account February 1, 2017 - I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure December 27, 2016 - the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my - check. i am a - veteran. just looking for a tiny bit of help... |
Freedom Mortgage Mortgage application, originator, mortgage broker December 13, 2016 - In -/-/2016, I received a solicitation from Freedom Mortgage to refinance my existing loan where my interest rate would be lowered, along with my monthly payment, through the VA Streamline Refinance Program. My new loan would have the same remaining term as the current loan. With the Streamline program, " there are no closing costs and no appraisal is required. '' On the reverse of the solicitation it states : " We will transfer your escrow account balance from your current loan to your new loan. If your current escrow account is insufficient due to changes in taxes or insurance, we may requ... |
Freedom Mortgage Mortgage settlement process and costs December 2, 2016 - I was approached by Freedom Mortgage company via mail regarding a Streamline VA IRRRL. From the beginning ( loan application ) the loan officer put the wrong property values in the loan application. They fudged the numbers in order to make it appear as if the new loan would save me money. I am not - consumer and I know that .5 % is not going to save me a significant amount on my monthly payment. The disclosure said " existing loan '' and those numbers do not reflect my current payment even after I give them my specific loan amounts. I rejected the loan application and told them that once th... |
Freedom Mortgage Mortgage settlement process and costs November 21, 2016 - Was contacted by my mortgage company, who offered to lower my interest rate at no cost to me. After a couple of phone calls, I realized I was actually " re-financing '' my mortgage, not just lowering my current interest rate. I felt this was very deceptive. The first person I spoke to sent me to another person who said she would be my point of contact through out the process. This did n't happen. At every step of the way I was given another " contact '' who would be with me " through out the process ''. After explaining to several " contacts '' that I did not want to finance more than my curre... |
Freedom Mortgage Mortgage application, originator, mortgage broker November 16, 2016 - On or about -/-/2016 I was contacted by my mortgage company - Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in -/-/- and would have my next payment on -/-/- But I was also told not to skip -/-/- thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account November 9, 2016 - Freedom Mortgage will not update my account to reflect that -/-/- payment has been made and to reflect my next payment is -/-/- - - - - - - - - Mortgage account # - DOB -/-/- SS # -... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure October 6, 2016 - 1. bought a house ten years ago. With recent flooding events in my area, I discovered the reason my house took on water was because my den, sunroom and carport are all built on unreinforced concrete ( no rebar ). Engineer assessment determined it structurily unsound and the only solution is demolition and rebuild. Have contacted mort. company and they want all kinds of info, banking, salary, tax forms, IRS forms, etc. Although I can afford my mortgage, there is no way I can afford demolition and rebuild. I asked them to go with a Short sale, or Deed in lieu of Sale. If I ca n't afford the work... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account September 22, 2016 - We closed on our mortgage through - on -/-/2016. Our first payment is due - -, and I received a random phone call on -/-/16 from Freedom Mortgage telling me they bought my loan. The representative on the phone told me my payment was due -, then changed it to -. When I go online it says -/-/16 first payment is due. I never received a fifteen day notification that my mortgage loan was transferring and now I am trying to get a straight answer as to who I send my first payment through. I have received no bills from anyone.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account September 15, 2016 - -/-/2016 there was a one-time special added to my annual taxs. I was never notified about this, I just started receiving call that my loan was in default and I was not paying the proper taxes. They quoted my taxes to be approx. $950.00. I then check with the county assessor office and the accrual tax is $420.00. I notified freedom Mortgage to investigate this, which they never did. I then discovered on my own the special assessment and on -/-/2016 I paid freedom Mortgage the amount of the one time fee. therefore my mortgage should rerun to normal. I requested numerous times for a b... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure September 13, 2016 - Freedom Mortgage has not given the title company my loan payoff amount so I can close on the home and payoff my home, which is in foreclosure. I am a - and currently have a VA loan through Freedom Mortgage. - - has been calling/faxing Freedom Mortgage for an updated payoff amount since - -. It is not - - and the loan documents for the buyer are going to expire and each time I call Freedom Mortgage tells me they did n't receive the demand letter/they can not give us the demand letter or excuse after excuse. I am in danger of losing all my equity in my home and having a fore... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account September 8, 2016 - I refinanced my home through - - - - in - 2016 and it was immediately bought by Freedom Mortgage. Freedom Mortgage then failed to pay my supplemental property tax bill from my escrow account that was due on -/-/2016. When I contacted them to notify them of the missed tax payment and penalty assessment, they said to email them the documents and they would take care of it. They immediately paid the tax bill, but also paid the tax penalty from my escrow account. When I called to complain that the tax penalty was due to their failure to timely pay the tax from my escrow acco... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account August 30, 2016 - Freedom Mortgage Corporation is denying receiving monthly payments that were withdrawn electronically from checking account by their bank, - - -. Freedom Mortgage has taken no action to track done these payments through - - even though they were given the Trace ID numbers. The only response to date on my requests to resolve these payments issues are letters saying they need 30 days to research, but it 's now nearing 60 days old and no response. I need assistance to resolve this issue as Freedom Mortgage only cares to charge me interest on payments their Bank withdrew and has no ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account August 27, 2016 - I am a veteran of the US Military and I have a - since -/-/-. My state recognizes that fact and allows me tax exemption on my mortgage. I recently refinanced with Freedom Mortgage in - - and did let the loan officer know that I was tax exempt but she did not include it in my paperwork, but as soon as I got the letter and the required stamp from the tax assessors office which was -/-/- and my first was not due until - -, I call Freedom Mortgage and they advised me to fax them a copy of the letter I complied. Two weeks went by and I did not hear from them so I called bac... |
Freedom Mortgage Mortgage credit decision / underwriting August 3, 2016 - I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure July 30, 2016 - On - -, 2015, - from - contacted us and stated that they had worked out a modification with Freedom Mortgage. However, one of the requirements from Freedom was that we had to deposit 2 months of payments in a trust. - had deposited the money to get the modification approved, but we had to replace it to be distributed to Freedom. Two payments in the amount of - was drafted from our bank account. We were told by Monty that we would receive the modification paperwork by -/-/-. But we never received any paperwork for a modification. We have requested a refund from -, whic... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account July 20, 2016 - On - -, 2016, we closed on a new house with a Mortgage from - Bank and we made our first mortgage payment on time for - -, 2016. In late -, I received a call from Freedom Mortgage saying they had purchased the mortgage from - Bank. During this phone call, I asked multiple times where or who do I send my - - payment to and was told multiple times, I would skip my - - payment. I have since found out Freedom Mortgage has a recording of this call. On - -, 2016, I received a call from the collections agency of - Bank ( now - Mortgage ) informing me tha... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account July 15, 2016 - My husband and I refinanced our mortgage from Freedom Mortgage to -. This loan closed on - -, 2016 and - paid the mortgage at Freedom on - -. Freedom Mortgage has only partially paid us our escrow balance. They sent us a check for only $460.00 as a refund for escrow. The remaining escrow balance of $2100.00 has disappeared. I have tried all avenues to have them send our escrow balance but we are not getting any assistance.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account July 14, 2016 - I made a payment to Freedom Mortgage on - -, 2016 for my - -, 2016 payment. Freedom Mortgage says my bank - did not pay for insufficient funds. I had sufficient funds in my account on - -, 2016. I made another telephone payment with a representative of Freedom Mortgage on - -, 2016, and today - -, 2016 Freedom Mortgage tells me that my bank - stopped payment. I show no stop payment on my - account. Freedom Mortgage has received two payments from me and has lied about what happened with each payment. I sent a note on a fax cover sheet to Freedom Mortgage n... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account July 12, 2016 - Our mortgage is through Freedom Mortgage. When I stopped working, my husband and I fell on hard times. When I called freedom to ask about how late I can make my payment. They connected me to a dept to help customers in need. They set me up on a payment plan. I would skip the first month then pay a little extra for the next 4 months to catch up with my mortgage. They said to disregard all letters because they are system automated. They then transferred my loan to -. When I was done with the payment plan they transferred my loan back to Freedom along with $600.00 dollars worth of fees accru... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account June 23, 2016 - I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around $1.00 - - $2500.00. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in - 2016 stating my monthly payment would rise fr... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account June 21, 2016 - As outlined in the attached short letter and supporting documents, Freedom Mortgage violated the FCRA by willfully and recklessly made incorrect reports of delinquency to Credit Bureau ( s ) they acknowledge in writing they should n't have made.... |
Freedom Mortgage Mortgage settlement process and costs June 18, 2016 - Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account June 12, 2016 - Freedom Mortgage is refusing to pay property tax I have an escrow account they have sent me a letter stating they will not pay it i sent them a copy of unpaid property tax and theyou continue to ignore my complaints ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account June 7, 2016 - My husband is a - veteran -. We bought a home in Oklahoma In - -, At the time of closing we took our documents showing that we are tax exempt in the state of OKlahoma from property, Sales Tax, Excise, Etc : we had a letter from the VA stating the fact that we have been tax exempt since -, The Title company said we had to wait to close then take the information - which we live and get a form filed and is on file -. We sent this information to the Mortgage Company that had the Mortgage at closing they refused to accept the documents saying that they did not have time the pro... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account June 7, 2016 - Freedom Mortgage has stolen a total of $2900.00 from me via extortion since - of 2016. They will not fix the issue despite the fact that several of their members have admitted they have charged to much, admitted that I have overages of $2900.00, and admitted it needs to be corrected. The stopping point every time I deal with them, which is bi weekly and has been since -, is a man named -. He is convinced I am wrong even though all of the evidence is on their servers. I have tried to resolve this conflict within their company, it is going no where. I have contacted an attorney, w... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account June 3, 2016 - The 3rd week of - -, Freedom Mortgage -, notified us we were short on - Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down $500.00 for the year. The old insurance caused a shortage of $1600.00, we overnighted the full amount to the - office, per the instruction of the company. We call a few business days later to see, if the check was placed in the - Escrow account. We ask if they had the new insurance company information and new paymen... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account May 31, 2016 - Our problems started when Freedom Mortgage replaced - - manager of our VA loan. Freedom paid our homeowner 's insurance premium a second time. We were not aware of the duplicate payment until - 2016 when we received a refund check from - -. - We had not received any correspondence on this issue from Freedom. regarding their overpayment prior to received the ins. co 's refund.On - -, 2016 we sent a letter advising the refund and enclosed our check for $1700.00 with a request that the money be returned to our escrow acct. The check cleared our bank on - -, 2016. W... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account May 22, 2016 - For the second time Freedom Mortgage has misreported information to the credit agencies. We completed our refinance with Freedom mortgage and closed the previous loan. Freedom mortgage has reported a 30 day late notice on a loan that closed and paid in - of 2016 ( - ). On - -, 2016 my wife and I both received 30 day late notices on this " closed '' loan. Freedom mortgage has also incorrectly reported our loan balance to the credit agencies. They ( Freedom Mortgage ) have added the paid interest to the loan instead of reporting the payments made. Both these items have a negative imp... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account May 19, 2016 - I was in the process of refinancing and was asked by the lenders to provide pay-off documents. I was further informed that once pay-off documents had been received, I would not have to make the next two ( 2 ) mortgage payments or words to that effect. Later it was revealed that that was in correct and that I had to make - 2016 mortgage payment. Partial payments were made after due date. FREEDOM Mortgage had reported to credit bureaus that account was 30 days late. This was no fault of mine for I was led to believe that I would not have to make - 2016 payment, but proceeded to make paymen... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account May 10, 2016 - Freedom Mortgage company bought my mortgage from - - company in - 2015. I made my last payment to - in - 2015 and every payment after to Freedom Mortgage. - sent the -/-/- payment to Freedom Mortgage 3 days after they received it from me. In -/-/- I sent 2 payments to Freedom Mortgage, one I put a stop payment on because I had the wrong account information on it the other had the correct account info. I have sent Freedom Mortgage proof of payments for each month ( - - $940.00 electronic payment to -, - - $940.00 to Freedom, - - $930.00 t... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account April 28, 2016 - I received a letter in - 2015 stating my loan was being sold to another mortgage company. I called because I did not know what was going on. I was told the situation did not affect me in any way and that I did not have to worry about payments since it was autodrafted from my account. Today, I pulled my credit score and saw that I was 60 days late. Freedom Mortgage refuses to remove the late payment even though I told them I would pay the back payments. They refuse to remove it because they said they have tried to contact me via phone and mail. I have not received either. Companies buy and... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account April 26, 2016 - On - - 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the - every month. On - - 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of $40.00 plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the - of the month -. I called and asked a servic... |
Freedom Mortgage Mortgage settlement process and costs April 19, 2016 - I submitted a refinance with Freedom Mortgage - - - -- - NJ - in - 2016 to convert my primary mortgage from an FHA to VA loan. Freedom Mortgage sent an appraiser to appraise my home and charged me for the appraisal and they charged numerous additional fees for the refinance process. I was told by Freedom Mortgage it would take approximately two weeks to get everything processed. I heard nothing from Freedom Mortgage after two weeks and began trying to contact them. I called the assigned rep but could get no response. On - - I did contact - -, Assistant VP of... |
Freedom Mortgage Mortgage settlement process and costs April 19, 2016 - We bought our house in - -. Our loan was with Freedom Mortgage. They offered us a lower interest rate, we closed with the new loan in -. The did n't calculate the escrow correctly from one loan to the other. But, we had - in our escrow account before the refinance. Now, they have tacked on extra escrow to - because we did n't have enough in our escrow account to cover taxes and insurance. I thought that either they had to roll the - over, or we were supposed to receive a check within 30 days. It did n't roll over and we did n't receive a check. We have reached out to them sev... |
Freedom Mortgage Mortgage settlement process and costs April 15, 2016 - I was contacted by phone by my current Mortgage Lender indicating that they wanted to offer me a lower interest rate, which they said would reduce my current payment with no out of pocket additional cost to me. I was making my mortgage payment and paying an additional ( approx ) escrow payment of $410.00 on a monthly basis. This additional payment led to about approx $4500.00 being in the escrow account at the time that the Mortgage Lender called me. My home is a new construction, and - will be the first year that the land and home have been appraised. At my original closing - - -... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account April 15, 2016 - I was a mortgage holder with Freedom last year. I proceeded with a refinance that closed at the end of -, -. For some reason there was an issue between the title company payoff and Freedom. This resulted in an outstanding balance on my account ( which should have been closed ). I received a bill for - - and called Freedom immediately. I was told by the customer rep that it was an error and that the account should be closed. I then received a bill in - and called again. They were 'looking into it. ' After this call I engaged my new lender and their title company that had processe... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account April 13, 2016 - FREEDOM MORTGAGE is charging me for " payoff statements '' they send to lenders I am researching in an effort to refinance. Now my - payment says I owe $30.00 more than my normal, fixed 30-year payment! While calling, a representative also found an erroneous " late fee ''. ( My payments are deducted directly from my checking account and have NEVER been late ). I imagine that " late fee '' has been included in the payoff amount, adding an additional $41.00 to their profit. I am a Veteran and resent the sloppiness of the bookkeeping and additional charges. ... |
Freedom Mortgage Mortgage credit decision / underwriting April 6, 2016 - We began our short sale paperwork with Freedom Mortgage in - of 2015. After being required to submit paperwork multiple times, over a span of 5 months, because Freedom employees have repeatedly lost documents, we were finally notified that our application was submitted to underwriters on - - 2015. The letter stated that we would recieve a final decision within 30 days. Our realtor reached out to Freedom via phone today ( -/-/2015 ) and was informed there was not yet a decision. Not only has it been well over their 30 day allotment, this is only one of a long list of issues we have b... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account April 5, 2016 - my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution. ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 29, 2016 - Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and - Mortgage since - 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved E-CEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in - 2015, before the transfer of servicing, was to reverse the payments and send them to - who reposted them as of the date they received them ( - -, - -. Now I 'm not an accountant, but it seems that it... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 28, 2016 - I sold a home in - wisconsin in -/-/-. The home was at - - wisconsin -. My morgage company Freedom mortgage Loan # -. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of - sent the check back to the morgage company - -. I have given them proof that taxes were paid and I have given them proof that - - sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is -. My phone number and address is - - - - wisconsin - my phone ... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure March 22, 2016 - Servicer once approved me for Loan modification and forward information over the phone on -/-/2016 spoke with both - - - @ Freedom Mortgage. Few days letter, - who is the point of contact told me that loan has been denied because my investor did not approve for modification. On -/-/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is - Veteran currently receiving VA - & VA -. When we spoke with them, we... |
Freedom Mortgage Mortgage loan modification,collection,foreclosure March 19, 2016 - I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in - - from the previous lender which was -. Since the lawyer we were left us high and dry in - -, we have been contacting Freedom, they keep giving us the run around. They said that we need... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 11, 2016 - Freedom mortgage took over my loan with - mortgage in - 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In - 2015 I noticed they did n't pay the first installment for $620.00 so I went to pay it at the county clerks office in - california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't rece... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 7, 2016 - I have a mortgage with Freedom Mortgage. Since - 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom. ... |
Freedom Mortgage Mortgage loan servicing, payments, escrow account March 2, 2016 - My mortgage company change servicing company when that happened they stop taking our regular scheduled mortgage payment out I notitified them of that and then we trying to get back on track since then I have made - mortgage payments and they only credited me for - they have been very unhelpful and unapologetic and we still have n't got the situation corrected ... |