Freedom Mortgage
reviews and complaints

Freedom Mortgage company, located in New Jersey has fraudulently enticed me to refinance through freedom mortgage, who is also my current mortgage lender - by falsifying documents, pressuring me to agree to illegal terms, and fraudulently charge illegal fees that do not apply to me. I have been in constant communication relating to the false documents and charges with freedom mortgage and their legal department - who have failed to correct it, but admit that freedom mortgage has acted incorrectly.
Therefore, due to not being able to refinance as initially agreed, only due to the intentional delay caused by freedom and because I will not agree to false charges, I am still stuck paying PMI, Freedom mortgage holds my escrow account which also should have been refunded through the refi, and cost me so much time and effort to prove their lies and constant violation in truth and lending practices and violation of RESPA

Please help take action against this lender who is well aware of their violations and makes no attempt to correct it.

On may 26th our home had a flood that we had to claim through insurance.
We recieved the check from insurance on friday june 11th and called freedom mortgage to find out what the process was. We recieved the paper work and first thing monday june 14th we overnighted our insurance check to the loss draft dept as instructed. At that time we were told since the check was under 40, 000 that is would not take the 7-10 business days but they just have to say that. We called multiple times to check on the check, everythime them telling us it can take 7-10 business days. On tuesday june 29th we called again because that was the 9th business day because it took you guys 2 days to process our overnight package. We were told then by sabrina that our check would be ready no later than thursday and that they were going to overnight it to us because we have been told so many different things from so many different people... This was approved by a mgr and notes are in the system. Because of how thigs have gone we decided to call thursday july1st to check on the status. At this time we were told it would be another 7-10 business days to process the check. This is not acceptable. We asked to speak to a manager multiple times where the person helping us refused and was antagonizing and unprofessional. Now freedom mortgage has had our check for a total of 17 days and still nothing has been sent back to us. My insurance adjuster said he has never heard of it taking this long and we have a house that is destroyed that we are just trying to put back together. We have 2 small children and 2 dogs and its sad that our own mortgage company has been the one to hold this up and been completely unhelpful. So they have pretty much left us stranded with no funds to start putting our home back together and are refusing to transfer us to anyone above them to get help.

I got yesterday June 29th, 2021 a mortgage statement from Freedom Mortgage dated o6/18/2021. My account with Freedom Mortgage is [protected]. My name is Razvan Desliu and I reside at 1979 Nabo Court, Ione, CA. Freedom Mortgage is the company I pay my mortgage to.
The mortgage statement states that they have not received my June payment.
The statement said that I will be charged also a late fee of $26.07
I called the Golden 1 credit union and told me that the payment for June was sent on the 28th of May 2021 in the amount of $ 900.32 Dollars. They gave me trace # [protected].
I called Freedom Mortgage and talked with Miranda ID #6015 after 40 min. of listening to the sad music they have on the line.
Today 06/30/21 I got a message from Golden 1 CU which said that my payment for the sum of $900.32 Dollars was sent to Freedom Mortgage for the month of July.
Please help me, for this is not the first time Freedom Morgage is doing this to me.
Thank you.

Razvan Desliu
1979 Nabo ct.
IONE CA. 95640

Account # [protected]
We recently refinanced with Freedom Mortgage in February. We were contracted for _____. By March, we noticed that our monthly payments increased and kept increasing each month. I called more than 5 times in the last two months and sent an email complaint to find out why our mortgage rate increased substantially. I was told it was an escrow issue. It is interesting that this seemed to occur after I sent our recent tax bill to to Freedom. My guess is your company may have duplicated the taxes on our escrow and raised the monthly mortgage rate because of that error.

None of the representatives I spoke to could actually tell me what was going on. I asked questions and not one person I spoke to could answer them. One rep told me the increase was due to a ‘supplemental fee' and Freedom was waiting to be recompensated for overpayment of over $3, 000 for our taxes. I called our county tax people and was told they never charged a ‘supplemental tax, nor did they get a request for a return of an overpayment of over $3, 000 in taxes. They also said if they were over-paid they would have sent it back to Freedom. In fact, our taxes actually decreased since last year. I've been told over and over again that your team would investigate this issue, yet no one has answers—there has been no resolution. The reps simply read off of their computer screen but can't tell me what's going on.

The last time I called, I asked to speak to a manager, and was told a manager would definitely call me back. No one has called back and that was over a month ago. I truly believe that your company has handled this issue horribly and I believe an error occurred during the refinancing process yet, Freedom refuses to investigate this issue. At this point, we are now paying almost $200 a month more for our mortgage payments then we did before we refinanced and based on what we contracted for. This has been a very unpleasant experience. At this point, because of your company's lack of response to this issue, I'm considering contacting my lawyer and will certainly contact the Better Business Bureau. Since we refinanced, I've had nothing but problems that can't seem to be resolved.

I refinanced through Freedom Mortgage and closed on March 3, 2021. The closing was late due to the paperwork showing my wife as a power of attorney. They wanted to back it up by 2 weeks thus requiring me to pay March mortgage to American Financial, which I was told I wouldn't have to. The loan closed on the 3rd of March at 2000 hours instead of 1630 hours. The taxes being withheld was wrong and they only had me paying 266 dollars toward taxes when my taxes are over 500 a month. For 6 weeks I called repeatedly to resolve this issue to no avail. They were supposed to pay the taxes with the loan and take 3000 dollars to set up my escrow. They only took 1200. Six weeks later I received a letter stating I was over 750 dollars short in my escrow account. And raised my monthly payment to 1475 dollars. I then sent Freedom mortgage a tax exemption letter from Cook County Assessors office along with a VA letter exempting me from property taxes for 2020 for a 80 percent disability exempting me from paying property taxes in Illinois. I sent the paperwork to Freedom Mortgage on April 1, 2021 and was told it would be taken care of by April 15th. I called Them on the 15 th. of April 2021 to check the status and was told they didn't get the email or it wasn't forwarded to the tax department. I talked with a Supervisor and I sent the paperwork again on the 15th. of April. The Supervisor told me this would be fixed by the 26 th. of April. I called Freedom mortgage again today and it still hasn't been done. My first payment is due May 1, 2021 and now they want me to pay my property tax into escrow that I am exempt from paying causing me more hardship. I don't understand why they would want me to pay taxes into escrow just to have to reimburse me that money it don't make sense. This whole refinance has been a complete nightmare.

Our home is in desperate need of repairs. We have been living on the property for about 12 plus years. Our roof was damage due to bad weather recently. The damage was so severe that there is water damage inside the home as well as mold that is in it now. I have contacted Freedom Mortgage and have spoke with several representatives. The insurance company have released funds to pay for the damage. The only problem is that Freedom Mortgage only sent a small amount to get started on the repairs. I have never heard of any Mortgage company holding money and sending out small increments to get any repairs done on a home. My husband and I are mortified. This home will be unlivable if no repairs are done ASAP. We have been patiently waiting for about 2 months now to get the repairs done. There is extensive amount of water damage inside the home and a roof that needs to be replaced. We are in process of contacting a lawyer in regards to this matter. This is BAD BUSINESS ON A MORTGAGE COMPANIES PART TO DO THIS.

We started the refinancing process in November of 2020, it is now almost the end of March 2021, with no closing date in site! This has been the worst experience, and I will Never recommend Freedom Mortgage to anyone. Our client advocate is impossible to get in touch with. She does not communicate what is going on with us first calling the company and speaking to 3-5 different people each time we call. I haven't spoken to the same person twice. I cannot even get the manager to call me back with information on setting a closing date for this refinancing of our mortgage. Absolutely the worst experience.

Also, it's taken so long that the rates have gone up since we started. I hope that doesn't affect our outcome.

On 12/04/2020 I apply for a refinance loan on my home 317 Longhollow Way,
Coalinga, CA 93210.
My loan officer was Jordan Weisbly as of today 03/17/2021 my loan is still not closed and so many problems with this loan. They have change the loan number once, because someone made a big mistake on it. We have always sent paperwork in on time when need. We have been sent from one person to other on the phone so many times. We have left phone call for Jordan Weisbly and emails. He never response. We also left a phone call to his boss John and no response from him either. Not sure what's going on with this loan. Sending the old refinance loan number when we started this loan. The new refinance loan number is [protected] and I never received loan estimate paper work on this number.
Thank you
Ruben Juarez

I have chosen NOT to use "autopay". So every month I get on the website to try and pay my mortgage payment. Nope...every month I log in, and then get redirected to the payment screen. The payment screen immediately gets the same idiot popup every time, exhorting me to refinance. When I choose to click "continue to my account", it loops to a screen-filling popup with the excuse du jour technical problem notice, and then loops over, and over, and over. For God's sake get someone who is able to set up a website that is reliable, useful and something I can depend on.

Filled out the forms online that they requested. Waited over a week and attempted to call them. They had a recording that asked that customers fill out forms on their website. I repeated the calling process and finally talked to a real person. She said I will have someone with you shortly. Waited over 2 hours and decided to read the review on Freedom Mortgage. Their website is full of praises. I've been a customer for years as they bought my loan. I have never had any personal interaction with them until I wanted to borrow more money. I guess they have more business than they need. Poor Service in these financial times!

Good Evening,
Hope the reader is doing well and staying safe.
I am writing due to having an originating loan refinance by Freedom mortgage due to never having issues or problems with Freedom Mortgage until I decided to refinance.
I refinanced on Dec 21 (loan number [protected]), due to Freedom Mortgage not having documents completed (not completed because of Freedom Mortgage) they said I will have to refinance my loan on January 22 (New Refinancing loan number [protected]). There were a few error such as they send me the loan to sign under my name and not my husband when he is the primary loan hold, I am the co-borrower. I then spoke to Ty Berry and he said to call Technician who then fixed the document that night and added my husband to the loan. This was an all day thing trying to clarify. Then on January 28 Michelle Plummer called me stating I have a new refinancing loan (Newest loan number [protected]). In less than a month and one week I have had 3 refinancing loans. I don't want a new loan, I want the January 22 loan to be honored. I went from closing cost will be 457, to $162, and now $684. If freedom mortgage keeps messing up, why should the customer be the one punished. What is a customer suppose to think when the closing price keeps fluctuating. I am requesting my second loan on January 22 be honored and kept. There is no reason why I should be paying extra cost due to someone else's mistake. I have gone through enough with the constant change and unreliable resources. It has cost me time, money, blood pressure to go up and aggravation.
Sincerely,
Unhappy loyal customer
Mrs. Perez-Fernandez

Amanda Gillespie opened a loan application without my permission in November 2020. We are getting phone calls daily from loan officers trying to get us to complete this loan application. We have explained many times that we did not start a loan application. The phone calls are to the point of harassment. We contacted Amanda Gillespie directly who rudely told us to call Servicing and then transferred us/hung up on us. Please listen to the recorded call. We have spoken with Micah Thompson ID 162469, Steve in Servicing ID 16318, Amanda Gillespie ID 1454534 and Karen ID 43053 just today. We have been working to stop this for 2 months now. No one has been able to stop this loan application or stop the phone call harassment. We have filed a complaint with the US Consumer Complaints.

I have tried repeatedly to set up an escrow account with Freedom Mortgage, but without success. After reading other negative reviews, it might be better if I don't have one with them. They have been completely incompetent with my requests by email, mail, phone and secure messaging with online account. I have sent all of my documents by mail and by email and have received no confirmation whatsoever that my documents were received. Do not use Freedom Mortgage. They are incompetent, impolite and do not belong in the service sector.

11/19/20
I called Freedom Mortgage this morning to request an early disbursement of my property taxes. Erin in Customer Service Center could not give me the direct number and transferred me internally to the Tax Department. I spoke to Shonte who said I would have to be transferred back to Customer Service to ask for a "Loan Processor and ask for an early disbursement". The person who answered said her name was Keon? and pretended she couldn't hear me before disconnecting the call. I called back and spoke to Michelle in Customer Servivce who transferred to someone by the name of Cheryl Ann, who transferred me to Robert in Escalations, who said his department doesn't process those type of requests and that I would need to speak to someone in the Escrow Department. Ultimately, I was transferred back to Customer Service to a representative named Lisa (ID# 10841).

I purchased my home and Freedom Mortgage carried the note until summer of 2020. Freedom Mortgage contacted me and offered a refinance due to lower rates. The refi closed in mid-June which led to the July payment being removed and August being the first payment due. I was never late on any payments as I had an ACH payment scheduled during 2019/2020. Freedom Mortgage cancelled the ACH payment schedule after the refinance but did not inform me. The August mortgage payment was missed because of this. I should have been more diligent but also feel Freedom Mortgage should have informed me they cancelled a long-standing ACH schedule.
I received a late notice from Freedom Mortgage in early September (before the September payment was due). Upon learning of the cancelled ACH, I reset the ACH schedule and paid the August and September payments, including late fees for August. This payment was done the next day after being notified of the issue. The Freedom Mortgage Service Center representative suggested I submit this issue in writing. The representative stated the account should have been placed on hold when the 1 Aug payment was missed. He also informed me the late fee and actions taken with a negative impact on my credit rating should not have occurred in accordance with Federal Law. After the phone call, I looked up the FDIC website and found he was referring to 12 C.F.R. § 1024. The management of Freedom Mortgage agreed this should not have happened but when queried by the credit reporting agencies, they continued their stance and I am left with no recourse against this. I will refi and drop Freedom Mortgage at the first opportunity while informing everyone I can to avoid this company.

My name is Ronald G George. I have a current loan with Freedom Mortgage and have attempted 3 times to refinance my loan. The Closing company have been to my home 3 straight months and the documents have been incorrect every time. This is very unprofessional of Freedom Mortgage and I'm totally frustrated with there services. I attempted to close today 30 Sep 20 for a third time, documents where still incorrect. I'm now looking elsewhere to get a new streamline VA loan. I live in Clinton, Md

After realizing Freedom had reported me as late to the credit bureau, I contacted them, provided them with their own confirmation numbers; mailed to me following a payment and also with bank records.
They all agreed "it was crazy" yet, still did not resolve the discrepancy. I begged them to not report me while investigating as I had made 2-3 payments in 1 month on several occasions and could not afford to continue especially after proving my payments were made and I was actually ahead 4 payments.
FINALLY they submitted a request my file be escalated as I was under the impression it was taken care of in December. (How January 2020 started off with the usual payment due and they vehemently denied wrongdoing .) a week later when I was contacted with the decision post "investigation" ...which, was not in my favor, I also found out the investigation was done by the same department that claimed payment wasn't received!

Now August, 2020... nearly a year later and multiple derogatory marks on my credit report, I discover that FREEDOM MORTGAGE was paying 2 separate policies to 2 separate insurance companies for my homeowners. 1 to Geico, which was cancelled in November but effective January, 2020 once USAA would go into effect.
I asked on multiple occasions that they PLEASE look into that being a possible discrepancy as there was no "coincidence" it started in November. AGAIN there was lack of interest or willingness to help resolve the SUDDEN change in payment history!
I personally sent the cancellation letter in on 2 separate occasions to Freedom and 3 times to Geico along with the Declarations page from USAA...which had all previously been handled by USAA and followed up with Freedom as well.
This has been 10 months of hell! Bombarding new with threatening letters of foreclosure etc...
I HIGHLY suggest a forensic audit ASAP as I found multiple "transactions " as well as thousands in late fees; which I was not late!
How does a company that "specializes" in mortgages not realize 2 checks paying double homeowners from THEIR accounting department?!

I expect this will he deleted and an apology letter accepting full responsibility attached as well.
I have yet to hear from Freedom Mortgage. I am the one who discovered their accounting errors.
The same errors they claimed were my fault and investigated AGAIN and concluding "no errors on their end."Keep in mind, once again, the same department claiming no Mortgage payment Was made is the same one doing the investigation. That's their "escalation" process.
Zero accountability!

I began a refinance application in excess of 4 months ago. I have been a Freedom customer since 2014.
They are absolutely terrible about returning questions/contact. I want to do a streamline VA refinance. My credit is exceptional.
Their processor left a voice message saying subrogation (leased solar panels) was accepted on 7/15/20. That was about 3 months after the app was submitted. They were very happy to take the app and I had plenty of correspondence with them but now voice mails, texts and emails go unanswered. As I'm totally fed up with their lack of customer service I sent an email to withdraw the app yesterday.
I just want senior management to be aware how terrible the service is. I have been waiting for their response in excess of 4 months. This is absurd and ridiculous. No excuse!

I have written to Freedom Mortgage seeking to refinance my first mortgage loan [protected] which now carries an interest rate of 3.75%. Current rates are under 3%. I cannot get anyone to respond to my email messages that I left on their message center. My first message was July 16 where I said Re: Loan number [protected]. Our current interest rate is 3.625% and we would like to see about refinancing at a lower rate. Please let me hear from you about the next steps to do that.; My second message was July 21: Hi. It's been 5 days since I first wrote to you and I have had no response. I would like to hear from someone very soon. Our Loan number is [protected]. Our current interest rate is 3.625% and we would like to see about refinancing at a lower rate. Please let me hear from you about the next steps to do that.; My most recent message was July 25: Hi. This is my third message in the past week about wanting to refinance our current mortgage rate. Please let us hear from you.
Thank you.

Hopefully you can help. Dennis Terwilliger