Freedom Mortgage
Reviews and Complaints

Don't ever do business with Freedom Mortgage! They will rip you off with their $300.00 up front appraisal fee. I paid the fee and later canceled the loan application. They would not give me credit for the $300.00, so I disputed it. Freedom Mortgage claimed someone came to our house and appraised our home.That was a lie! They couldn't provide an appraisal copy for me with the appraisal company or individual license number. No one came to our house to do an appraisal from this company. Now, we were cheated out of our $300.00. They are so dishonest. I would never recommend this company. They are liars! Now. I have lost my money, and you will too, if you ever cancel your loan application.

J. Madre

Swansboro, NC

While everyone that I've spoken to is nice, no one can help me. I signed a Modification Agreement twice, and both times they didn't process it, giving me new bogus reasons each time I call. They have reported me to the credit bureaus in error, they just don't care! All I want is for them to process the paperwork they have!

Received notice of cancellation of my homeowners policy from state farm (policy# 20-cs-n483-4) in the amount of $326.00. This occurred last year also which I paid out-of-pocket and was later reimbursed by freedom mortgage. It is my understanding that the homeowners policy is to be paid from my escrow account within my monthly mortgage payments (loan no. [protected]).

I have been fighting with Freedom Mortgage since February 5th about a simple MATH error THEY MADE, that I, the customer found and reported. They supposedly corrected this error twice, with conflicting information. They forced me to OVER PAY my mortgage in March because they refused to fix the error. I have called them every week, sometimes two or three times a week, to correct this issue and they just give me the run around each time. No one seems to know what is going on or how to do simple math. I have three escrow analysis and only one is correct and the one that is correct from 3/22 they have now changed on 3/30 and it is incorrect again. I am ready to go have a higher interest rate and pay MORE just to get away from this unethical company. Also their escrow team is VERY rude. I am very unhappy right now and want a resolution NOW. This has been going on for long enough and I am wasting my time dealing with a company that has not ethics.

On or around 12/29/21 chose to have my refinance go through this company. I was told I would have Jonathan Michael Devin as the person who would be handling this request. My first request on 1/4/22 from Albena Cipolone for employment information. Dimitry Francois then Daniel Gannon started requesting. I gave all the information needed and was told to fix a paystub. No one seemed to understand I had become and independent contractor and the team who was paying me were also independents. Victoria Alvarez was the last to never respond on 3/10/22.

We took part in the program for a year 2020. At the end of the year, (2021), we contacted Freedom Mortgage about what steps to take. We were informed that we could add our payments on to the tail end of our loan, and have a reduced monthly price. We started the process, then received a letter detailing our reduced price once every thing went through. We received no more information. I contacted Freedom Mortgage two times trying to find out if everything went through, and when our first payment was due. We were told we would receive something in the mail, but "I THINK January is the 1st payment", is what was stated over the phone from one of their representatives. We were contacted after the beginning of January that we were delinquent on our 1st payment, so we would have to pay our original payment instead of the reduced payment. We talked with them off and on for a day, to the point where they had to admit that we were not properly informed. They restarted the entire process again. We have not received any information still, and are being called weekly to make a payment not at our reduced negotiated price. They tell us we were sent a letter, but no letter was received. I check my online account with Freedom Mortgage to see if any letter was generated concerning our account, but nothing new was generated about our decision. We are on a limited income, because of the pandemic, and we need to receive any assistance we can get. We don't want to have to give up our house, and we are willing to make payments. It feels like it is being engineered for us not to benefit from the COVID relief program concerning our mortgage payments.

I did a cashout refi in January 2021 and on January 27 Ms Jane Riley, my mortgage rep had $550 removed from my credit card to pay for my appraisal. Since the cancellation, I have received a letter from Freedom Mortgage that my cashout refinance had been cancelled. I waited for two weeks for the $550 to be returned to my account after which I emailed Ms Riley. In the meantime I have written her several times and I have emailed Freedom Mortgage and miraculously they have both disappeared from the map. I have NOT received any replies so I suggest that people do not use Freedom Mortgage as they may not be real. I thought only in Russia would you find that type of treatment. If Freedom Mortgage does not want to return my money, that is fine, God is watching. No acknowledgement ever received and of course no refund. I realize that these things take time (return of money) but not to acknowledge my communication is just not professional

I refinanced a home loan with this company and they advised because the paperwork was received several days late they could not honor my original agreement. My rate was 3.2%. I used the notory they sent me. She as booked two weeks out they contracted with her to do my paperwork and send it. Now went to make a payment and the refinanced loan is no longer valid. I feel Freedom Mortgage is doing this on purpose because the new rates a much higher and they want the new rates. I am currently on hold with them now for over 45 minutes. This is what they do when they no longer wish to speak to you.

Let me tell you this mortgage company is horrible. The absolute worst. I’ve been trying to refinance since mid November. No one calls you or emails you back. On the closing day I had a POA to sign for my husband. They knew this. Come to find out they are supposed to have it on file before closing. Closing was canceled. I immediately emailed POA. Again no one from Freedom reached out to me. Finally got an email back stating that they were just waiting on a response from title company. I called title company and not only have they not received POA, I also learned they need the original sent to them prior to closing. Needless to say they lied to me. I sent an email to the CEO explaining my experience. Come to find out they could’ve sent someone to Texas for my husband to sign docs and I sign them here n Florida.No one at Freedom even offered or suggested. I only found out from notary who showed up to closing who by the way said she heard negative things about Freedom all the time. I think when a company has such poor customer service maybe hitting them in their pockets is best. Please do not use Freedom for you home loan.

I have been trying to get answers to my questions since September 2019. It is nearly impossible to get through to customer service and when you are fortunate to get someone on the line they absolutely have no authorization (ability?) to resolve your complaint or give a plausible answer to your questions and will not connect you with anyone that may. To make a long story short I am encouraging all of you that have a complaint and have become so frustrated, as I have, to go to your local courthouse and file a small claims suit as I have done.

You might first check to see if there are any class action suits regarding your specific issue as Freedom Mortgage has or have had quite a few class action suits against them.

A Small Claims action will force them to answer your complaint, on record, before the court. I am to have my day in court at the end of this month, February 2022 (at long last). I may not prevail but at least I will get them to explain to the court the answers that I have not been able to get from anyone at Freedom Mortgage.

What a terrible, terrible company! Good Luck.

This company scams senior citizens! My parents fell two months behind on their payments due to a financial emergency and Freedom Mortgage REFUSED to accept any further payments until the full amount missed plus interest was paid in full. This continued month after month after month with my parents TRYING to make their monthly payments, plus make partial payments of what was back-owed. All payments were REFUSED by the company unless it was in full.

My parents were told in one call that they could claim hardship and refinance which would reset their amount owed upfront and help them get back on track. They provided all of the required documentation but with every submission, they were denied with Freedom Mortgage stating that they were still "missing documents" which had been included in MULTIPLE submissions. My folks have been playing Freedom's games for three years, only to be told the same damn thing again and again ... "Missing documents". It's a copy paste denial letter that is sent each time, not specifying anything. Three years later and Freedom is threatening to sell the house out from under my parents unless they pay $46, 000.00 upfront after not being ALLOWED to make their monthly mortgage payments. I've read through HUNDREDS of other reviews on this company and all the tales repeat the very same stories. THIS COMPANY IS A SCAM! STAY AWAY!

In May 2020 I applied for a refi with Freedom Mortgage when they called me to ask me if I would want to refi with them. They were currently my loan for my home at the time. I agreed and started the process with them. I always gave them everything they wanted on time and I was dropped suddenly twice. I was dropped the first time, at the time when the loan was supposed to close. I was dropped again the second time when the loan was supposed to close. I consistently asked for assistance with having a supervisor call me. I never got a call from a supervisor. I was told the loan had not dropped. Anyway I submitted a claim in Nov for how I was treated. Till this day I still have no idea of what happened. I am going to send you the letter that I sent Freedom Mortgage. Please check into this and have someone call me to tell me what happened. I am so disappointed with Freedom Mortgage and will never go to them again for a loan. I spent many hours making copies and sending them stuff over emails and through mail. I paid 300.00 for an appraisal. I still, even though I did refi with another company, am so upset a Freedom Mortgage for what they put me through. Please look into my file and call me. Kim Torrez [protected]

On 19 Oct, I filed chapter 13 bankruptcy in the state of Missouri. Although we are keeping our house, it is reported as part of chapter 13. Freedom mortgage claimed that on the I filed bankruptcy, I was $182.79 in arrears on my loan. I have statements going back to March of 2021, showing on time, no partial payments and never a late charge. On 22 Nov, freedom responded to chapter 13 bankruptcy court that I was in arrears, and on the 22 Nov 2021, they charged me a 250.00 fee for filings to bankruptcy court. They will not discuss this with me, even though my attorney sent a letter authorization for them to discuss in details with me. I have only got the run a round from freedom mortgage

My homeowners was canceled due to too many claims. There was 4 but they only paid 1. Thought I had American Modern, but either they didn't bill Freedom or it wasn't paid. After hours on the phone with Freedom and being assured the problem was resolved, I get a letter from Freedom saying they are supplying my homeowners at a "slightly higher rate with less coverage" because of my "bankruptcy". what bankruptcy? not impressed with either company

I started a refinance on September 13, 2021 and still have no answers as to where we are at in the process. I have been made false promises and they do not return calls or emails. They asked me not to apply for new credit or buy anything new but are dragging their feet. Basically expect me to put my life on hold. Worst part about all this is they offered me the refinance. I was told about three times it was going to escalation department. I am fed up with Freedom Mortgage.

I receive a loan modification combo approval on October 25, 2021. I accepted the approval and was told many times that I would receive the final documents in 2-3 weeks. As of today I am still waiting on these documents. I have called numberous times to follow up on this and each time I am told something different and then Iam promised that it will be taken care. It has been almost 4 months and we are still waiting on final documents with no resolutions in sight. We are affraid that we will lose our home due to the incompetence of the customers service representives and managers will have spoken to.

Elaine Porter
Loan # [protected]

Every 6 months my house payment goes up 250.00. It started at 580.00 and now I am at $821.00. I need help or figure a way to keep it somewhat the same. I have called the customer service line and they said they can not help. I pay extra every month and it still goes up. Can you please help. I am a single mom working 50 plus hours a week.

I have been trying to work with Freedom mortgage refinance for weeks. Barbara White informed me 2 weeks ago that just waiting on appraisal and closing scheduled for Oct 15. Well, here I am without the appraisal that was paid for weeks before. Just for the record, Freedom contacted me to talk me into refi. I went with it, got all the information to them asap and paid 300.00 for the appraisal immediately. It is now October 12 and still no appraiser. I was told my Daniel Gannon that I would need to contact the appraiser Edward. W. Harm [protected] but when I attempt to call, I am transferred to a full voicemail. So I cannot work with this appraiser if I cannot reach him. I have emailed Daniel Gannon, Michael DeCourcey and Chadwick Cloud and seems nobody can get it done. Now they say Oct 15 was only tenative but nobody at Freedom is working to get anything resolved. I am sooooo disappointed and down right furious with Freedom Mortgage. I have been an excellent client but am no extremely upset with the way this has been handled. If closing date is changed might be best to move on to another company who will care about my time and energy as well as their own. Please send this complaint as high as it can go.

On 8/27/21 I emailed a payoff request in for Barbara Rodriguez, for loan # [protected], last 4 of her SSI# is 1675.
Barbara is now deceased, and via Warranty Deed Peggy Zielinski is the Successor of the Property.
I have called numerous times to get a status on this pay off, the home has been sold and this is holding up the closing. Now a little history on this property, The Original Seller Barbara is deceased, Peggy Zielinski is awarded the property, The seller is deceased, and has not made a payment since 9/2020 and is in Forbearance. I have emailed into Freedom Mtg. the pay off request at customercare@freedommortgage.com and spoken to several people and it should all be noted. I have sent the Authorization Form over, the death cert for Barbara, the Warranty Deed AND a picture of Peggy Zielinski over to Freedom as requested but Freedoms Cust. Serv. Employee. TODAY says its still being reviewed, TODAY is day 15 since the original request for a pay off and I still cant get any one to give me an answer other that it is being reviewed...NONSENSE!
I feel forced to make a complaint on the website because I cant get your Cust. Service Team, to give satisfactory customer Service. :(
Please advise ASAP! - Thank You!

PS..I have been trying to send you everything that I sent into Freedom, but it wont take the attachment on this site.

Charlotte Baker
Pre-Processor
Title Partners, LLC
17187 N. Laurel Park Drive, Suite 450
South Entrance
Livonia, MI 48152
Direct Line: [protected]
Fax Number: [protected]
[protected]@mytitlepartners.com

Office Hours: Monday - Friday 8:30am - 5:00pm EST