Freedom Mortgage
Reviews and Complaints

I have been in bankruptcy since 2018. The court released my home from the bankruptcy. Freedom Mortgage, I'm told, was advised. In early February, I received a statement that showed me 30 days past due on my mortgage payment. All my mortgage payments are paid each month automatically from my banking account. In my attempt to speak with Freedom Mortgage, they refused to speak with me. They did advise me to have my attorney to send them a letter to allow them to speak with them. He says that he did. They say that they have nothing. In the meantime, my account continues to reflect the account past due. The payment in December was $746 and recently increased in June, still showing my account 30 days past due. Still refusing to address the issue, I asked them to fix the account. You don't have to have a conversation with me. Call the attorney directly yourself to obtain clearance to fix the account. My credit rating dropped over 20 points and continue to show me 30 days past due. Interest continues to accumulate and my 2019 end-of-year tax report is incorrect; yet, they take no action to resolve. Where is basis customer service and humanism. This is NOT the first time that my payments were misapplied. I am so fed up and frustrated! Can anyone apply some common sense? Where is my money? Don't tell me that you cannot review the account. I want to believe that I am more than just a transaction. This is my life. Please take the initiative and correct the accounting to include adjusting all interests, etc. I am enclosing a copy of the proof of payment. Loan number [protected]

This is simple, that's why I can't figure out why FM can't get it right and fix it, it's almost comical.
I am a 100% disable Veteran living in Arkansas with a V.A. loan, and because I live here the state law says I don't have to pay property tax. The first year went fine and I paid no property tax, but then the second year is when it was wrong and went up so I spent 3 months getting them to lower my payment back down. I had to fax copies of my V.A. paper and tax receipt, it was finally figured out but then it still didn't go back down to it's original amount. I just figured it was because my insurance had went up, but since then I found out it has only gone up $24 in the last 7 years. Well for the past 6 years FM has been charging me my property taxes with my insurance on my monthly payment. Every year I turn in my V.A. paper to the county tax office, and fax it to FM, so when FM calls the county tax office they say I owe ZERO dollars, but FM still charges me. Every time I call they say they will refer it to the tax office for review. Then after about a month later my monthly payment goes up. I've even had the FM tax person call me and then call my local elected Tax Collector so we can conference call, and my county tax collector personally told her I owed zero dollars, and my Tax Collector send an official email from the tax collector's office showing I owed zero. All I get from FM is we will have to review it and make adjustments on your payment, and every year they say if you have been over charged we will refund your money back and send you a check, that was back in August of 2019 when I last talked to them, I haven't received a check yet and my payment is still approximately $150 higher a month than it should be.
So, a first grader could figure this out... If I have a Federal paper that says I owe ZERO
My official elected County Tax Collector says I owe ZERO
So shouldn't it be ZERO in your office too?

We cannot get a hold of anyone at Freedom Mortgage. We have been trying to call 3 different numbers which we receive recordings and/or busy signals and then we are disconnected. We have been calling since March 1st and it is now March 31st. Horrible.

We have called multiple times. Once we where told loan payoffs take a week. We called a week out and where told it only takes 24 hours. We called 24 hours out and are now being told we can't even speak to anyone until 24 to 48 hours. I have never written a review or complaint until today. I am reaching out to anyone that can help. I am simply being told there is no way to expedite my request. I work for a company that provides customer service for some of the largest corporations in the US. My spouse is a director for a call center servicing hundreds of thousands employees across America. We know that what we are asking for is possible. Our loan was originally through Caliber home loans. Caliber was purchased by Freedom Mortgage. If you could not handle the transition of the loans, Why take the deal? Greed of course. This transaction will now cause my wife, myself, and a 9 year to have no home to go too. I hope Me. Middleman sleeps well in his new Mansion.

I have been with this company since 2016... I had a major medical issue and asked for interest only payment for one month, this company would do nothing to help us, we don't want our credit hurt without their help so we will not be able to pay our utilities or food in order to keep our credit... We were told that if on of us passed away that freedom mortgage will not have the insurance to payoff the mortgage... Do not use this company... I had a major concussion and wa out of work and going through concussion therapy and they will not help us on an interest only payment without a late payment fee... I am looking to refinance... Never use this company... They are terrible!

Freedom Mortgage currently holds my mortgage so I contacted them about a refinance quote. Peyton Morris in customer service was supposed to take my application over the phone and call me back in 15 minutes with an estimate.
1. First problem, she called me back late, apoligized and said that she had my information and would try again when she returned to the office.
2. I called and left a meesage to please give me a call with the numbers as soon as possible.
3. Next day, I called in the morning, her line was busy, went to voicemail. I left a message.
4. A few hours later, no return call from Freedom yet, I called again, left another voice mail.
5. A few more hours, no return call yet, her line is reporting that she is out to lunch.
6. A few more hours, I called she is again on the phone. I asked for her manager, Spencer Aucoin. He is on the phone as well. Left a message requesting a call back.
7. I called after my lunch, now her line is reporting that she is gone for the day. Seriously unprofessional.
8. I called the manager again and he is not available again. What is going on with these people?
I must say that for them to claim that this will take 15 minutes and then not be able to complete it in 24 hours, says that maybe they do not appreciate their current customers or possibly they don't know what they are doing. Or both.

I am doing a short sale on son's house and I cannot seem to be able to get a payoff on the deal. I have loss on short sale due to Freedom not responding to me and the buyer walked This is the second time I have a buyer and I cannot lose this sale because of the incompetence of Freedom Mortgage. Every time I call I get a different person and have to tell the whole sorry story again. I am fixing to call and file a formal complaint with the government. Would be happy to have someone call me and rectify the matter.

Wade Richard [protected]

I have been victimized by this company for several years. I have been praying for GOD to help me with answers and boy did he. I went to a library and came across a brochure for the following company to Help Veterans from being SCAMMED. Thankyou GOD and you heavenly ways. How I love them.
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[protected]​
AARP.org/fraudwatchnetwork​
This is a Program to help Assist Veterans from:​
VA Loan SCAMS​
Tech Support SCAMS​
Phishing SCAMS​
Credit Card SCAMS​
IRS TAX SCAMS​
Charity SCAMS​
​
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I called recently called them to report this mortgage company. She said to do an internet search by​
typing in search engine Freedom Mortgage scams and WOW was I blown away of the endless Fraud and manipulation I and so many others have encountered. Here are other recommendations.​
-Visit ww.aarp.org /fraud​
-install robocop app on phone​
-www.optoutprescreen.com (stop credit card companies from sending app in mail)​
-www.annualcreditreport.com or call 877-322-8228​
-call 888-687-2277 to stop Fraud mail from coming to house​
​
I truly hope this will help you as much as it has myself and family.​

Freedom mortgage is currently holding onto thousands of dollars owed to my daughter and her husband for six months now. They sold their house and paid freedom mortgage off. There is a balance due to my daughter and her husband. This company will not let them talk to only representatives and will not even issue them their own notes on their account. They are committing fraud and stealing from consumers. Btw this was a veterans loan.

Our loan payment increased due to escrow shortage. Freedom Mortgage expressed repeatedly that we could break the payments up meaning as long as the principal & Interest is paid then the escrow can be paid on the backend of the loan, this was all stated on their recorded line. Even when we would call the automated number to make a payment the automated message stated thre principal& interest payment was the minimum payment due but the full payment including the escrow was the suggested payment due. Sure enough we make the p&I payment and now they are reporting our payment 30 days late which is hitting our credit report! Now I'm having to escalate the matter.

loan number [protected]. I have been trying to have my acct handled since 7/2017 with a loan modification. Since then FM has been tacking on fees and keep sending my file to different underwriters who require slightly different docs. They wait until the end of every month when docs like bank statement expire within the 2 month window. Gave them proof of child support since my state does not give statements or deposit into your personal bank acct. Everything as explained in my Letter of explanation but every 2 months I find myself writing the same explanation. My last resort is taking this to court. FM will not and has refused to take payments causing monthly fees and interest on the growing past due amount. e can't even continue our insurance and this house has had so many issues since moving in after being built in 2015. FM has done nothing but drag out the loan modification, have access to all my personal and bank information and continue to care about saving our home. I was told the modification was to take up to 45 days. They wait almost 50 days to say the file is incomplete after receiving letters saying the file was complete. This needs to be resolved now. From 7/2017 till present day 2/6/19, a resolution needs to be made. We needed a lower payment but all we got are more payments owed to FM with these outrageous fees.

They are the worst. A normal lender you call with the proper info and you get a payoff there and then. With these guys its just the run around. They dont want the loan to be paid off. 4 days now and still no payoff. Same old tired answers. It takes 24 hours to process. Then it never shows up. When you call its the same. Repeat process. If I could give it minus zero stars I would but this site wont let me. They are obviously not an ethical company by any stretch of the imagination. I am a real estate broker and occasionally you run into these lenders that are more like car title loan lenders.

In February of 2018, we received a phone call directly from Freedom maortgage stating to us that we had extra money in our account and they wanted to know what to do with the funds. We always pay extra on our account each month. We asked them to put the money toward our loan payments. That money was applied to our loan putting us two months ahead on payments. Each month we continued to receive statements resulting in 0.00 due. We continued to make monthly payments in September 2018 we decided to not make a payment because we were two months ahead. That's when they called us and informed us that we were behind and they would forclose if we didn't pay immediately. Now saying they took our money back without notice because they misallocatednwhere the funds should have went. Then gave us a bad credit rating and refuse to fix there mistakes. Basically they stole our money due to their lack of a proper accounting system. Left us with negative reports and zero repercussions for their mistakes. Totally taking advantage of us. Now we have to pay more money on a loan that was paid two months ahead of schedule. Poor business and poor customer service.

Absolutely the worst mortgage company in the industry. From their customer service department, loss draft department, and supervisors/managers. We have a 3rd party authorization, a signed contract for the repairs, a 99% completion (at which time the full amount of payment should have been released and yet 2 years later we remain unpaid), resubmitted current licensing/insurance/and a w9, faxed a letter from the home owner requesting payment to be released to us, etc - you name it - we submitted it and they refuse to pay us for work completed that they verified was completed and satisfactory.
If you are a contractor and a homeowner has this mortgage company - do not do the repair work - freedom mortgage will keep the insurance funds and then give you the run around for years on money you are legally owed! - samayoa roofing [protected]

From the beginning of July My Client Joshua Squires has been under contract for a property and was working with this company to get a mortgage on the property. My first contact was Michael Reese. After trying to reach out to him multiple times with no answer and no call back I gave up trying to reach him for information of my clients mortgage and found a new contact. Her name was Kaye Kerzner and she was much more responsive. When there was a change in the contract and I notified Faye on July 12 that the settlement date was moved up. She told me that the loan was going to under writing and that when it came out she would be able to provide me with an updated mortgage commitment date. After that is was radio silence again. I tried reaching out to Michael again when Faye no longer answered me and finally got through to him. I asked him is we were on track to close with the updated settlement and when to be expecting the Closing Disclosure. He had no idea what I was talking about. That's when I find out that Faye was no longer with the company and my client was forgotten about. Then the mad scramble began and Michael told me unless we had missing documents that day we would not close on time. I asked for a list of things needed and radio silence again. I called him every hour emailed him multiple times and even tried reaching out to superiors. After finally reaching through to customer service she provided me the email to the Vice President. At an hour to end of business day, I finally got a partial list of what was needed. Every day after that I was tossed around to different people mostly I've been working with Doug Frimmet who is not only incompetent but was in capable of working in a timely matter. From the start of my interactions with him I asked him for what specifically he needed. Everyday he needed something else. If he had told me from day one all the things he needed i would have provided them to him. What he did instead was drag the process out. If I did not call him I did not get an update if I did not push for him to do something he would not do it. This is unacceptable and My client runs the risk of losing his house over this. Now it's 8 minutes to end of business day and I don't have what I need even though I have worked my tail off to provide everything they need.

This company is a nightmare to deal with, severe lack of customer service. I've had an ongoing dispute for a couple years now. TransUnion has my account listed as "closed on 02/01/17 and derogatory. I had unfortunately filed bankruptcy in 2012, which this account was included. However, had they helped me with a loan modification when I contacted them for help, I would not have filed bankruptcy. It was to protect my home. A couple years into the Bankruptcy, they contacted me for a modification which was approved. At the time of the modification, this loan was removed from my bankruptcy, but never corrected with the credit reporting agencies. Despite countless complaints with TransUnion, Freedom Mortgage and now the second complaint with CFPB (Consumers Financial Protection Bureau), I can not get this corrected. This has severely impacted my credit score resulting in much higher interest on my accounts.

Additionally, they continuously charge a "home inspection fee" to my account. There's months with several charges added to my account. First of all, nobody has come into my home and conducted an inspection. Secondly, they are paying somebody to continuously drive by my house to see if I occupy the residence. Frankly, driving by doesn't tell you anything especially since I park in the garage. Nonetheless, it's not their business if I'm living there or who I allow to live there. These inspection fees are not authorized nor confirmed. They can not tell me anything about my home, other than what's listed on the county public website. I don't want random people harassing me at my home. I want all of these excessive, unauthorized, unfounded charges removed from my account. Loancare had serviced my account for a short time and when Freedom Mortgage regained my account, Loancare also wanted $500 for a home inspection fee that I disputed as well.

All of you Freedom Mortgage account holders, go on line and take a look at your account to see if you have excessive fees. Maybe we can start a class act law suit or if you're aware of one already started, please post the information. This company has no integrity and should not be operating.

Sadly, our mortgage was sold to Freedom Mortgage! We have always had our mortgage payments scheduled to be received no later than the 6th of the month. Every single month, they call us on the 4th to remind us that we are late! I have asked them repeatedly to quit calling and it is bordering on harassment. They continue to call us. Not sure what our next step is, but will be looking into the law in our state to see what constitutes harassment and if we have a legal case, we will file suit.

We filed a complaint with BBB, and Freedom Mortgage responded by providing a copy of the Note that we signed stating that payment was due on the 1st of each month. It also states that their is a 15 day grace period, after which a late fee may be charged.

I can understand if we went beyond the 15 day grace period that they may want to give a courtesy call, but to continue to harass us each month on the 4th is unacceptable.

I may try to refinance just to get out from under this horrific company.

Freedom Mortgage made a mistake servicing my loan, the problems were resolved,
Freedom mortgage admitted that they made an error servicing my loan but in the process they negatively marked my credit history. Calling them, sending them the requested documents has not resolved the issue of the credit damage. They have refused to remove the mark on my perfect credit history.This effects my clearance for my government contracts, and also my financial future

Good Afternoon,

I am sending this email because I am in desperate need of help. I have had an ongoing problem with Freedom Mortgage for over a year and it is starting to affect my health.

I noticed an increase with my mortgage in 2017. I contacted Freedom Mortgage and was told that there is a shortage in my Escrow account, thus resulting in the increase in my mortgage. After speaking with the Mortgage and the Insurance Departments, we discovered that the shortage was due to Freedom Mortgage paying for flood insurance when my property was no longer considered to be in a flood zone. This letter was sent to me and the Insurance Dept at Freedom Mortgage in 2016. Your insurance department also have this letter on file.

Although we were able to identify the problem, the Escrow Department insisted that I live in a flood zone and their analysis is correct. I escalated this problem to numerous people. I worked with your escalation department and a manager who works out of California. Her name is Karen and if I am not mistaken, her ID number is 8141. Karen was very helpful at first and contacted the flood insurance company, then advised that I will receive a refund from the flood insurance company and once that check is received, I should take the funds to pay for the shortage. To date, I still have not received any funds from the flood insurance company.

Whenever I would contact the Flood Insurance Company, they tell me I need to contact Freedom Mortgage because I no longer have flood insurance. I dealt with this problem for months, then I was impacted by the Hurricane in September 2017 and was consumed with taking care of the damages with my home. I also knew that Freedom Mortgage was going to do another Escrow Analysis at the end of the year and thought that since they identified the problem with the flood insurance, all would be corrected with the new analysis.

To my surprise, in Jan 2018, my Mortgage increased an additional $100. Prior to 2017 I was paying in the $1500s. In 2017 I was paying in the $1600s, now in 2018 it increased to the $1700.

I called the Mortgage Department to inquire about the increase with my mortgage and why. A rep informed me that there is a shortage in my escrow account in the amount of over $1000. Immediately, I knew something was wrong and asked her to please look at he escrow analysis for 2018 and let me know if it included flood insurance and she said yes.

I literally felt like I was having a heart attack and all I could do was cry. I do not live in a flood zone. Your insurance department has confirmed on numerous occassions that I do not live in a flood zone, however the Escrow Department insists on allocating funds for flood, thus resulting in a shortage in my escrow account and an increase in my mortgage. I am a single mother and have been struggling to make my mortgage payments every month. It is unfair to me to have to keep paying an increased payment month over month when the escrow department refuses to communicate with the insurance department.

I spoke with a mortgage rep 2 weeks ago and he was very nice. He escalated my case to a manager and advised that he will email Karen as well because she previously assisted me. He instructed me to hold off on making the payment for the month of March and to wait until the end of March because it was his hope that a new escrow analysis would have been conducted by then to reflect my new mortgage payment. Please note, it has been more than 2 weeks and I still have not received a phone call from a manager.

I received a call last night from Freedom Mortgage Customer Service Rep requesting payment for the mortgage. I advised the rep of the situation and asked him to look at the notes. The rep mentioned that a new escrow analysis was done recently and it clearly states that I live in a flood zone and I have to pay the $1700 plus per month. I immediately had a panic attack.

I called your insurance department and the rep was so upset. She said Miss Phillip, you do not live in a flood zone and the Escrow Department should not allocate funds for that. Now, they are telling the wrong person because I already know that; however this is ongoing since 2017 and I do not understand why the Escrow Department refuses to speak with your Insurance Department.

I am begging you to please help me. This is unfair to me and I am not getting any help. Could you imagine going through this for an entire year and paying an increased price for mortgage when the Escrow Department refuses to correct their wrong? Who holds the escrow department accountable?

I am on the end of losing my home because I cannot afford these payments. I am pleading with you to please help me. I am so depressed and drained with this ongoing problem.

Thank you for your time with resolving this matter.

Teshanne Phillip
Loan Number [protected]

Thank you