Freedom Mortgage review: Loan modification

I was recently disabled and approved for disability. On January 13, 2026, I applied for a loan modification with Freedom Mortgage and was denied. They allowed my loan to go into Forbearance and I wasn't aware that if I didn't get approved for a loan modification or didn't accept the terms offered that I would have to pay the past due payments. Freedom Mortgage approved me for a Trial Payment Plan that increased my monthly mortgage payment and increased my interest rate. I declined the offer and had to come up with approximately $9000 or my house would be foreclosed. It was a system designed for failure so that you will lose your home or have no alternative but to do a short sale. They helped me in no way. They are setting customers that are having a hardship up for foreclosure.