Freedom Mortgage

Freedom Mortgage took over my mortgage from another company. I did not get my loan through them.

I have excellent credit (above 850) and payment history.

My home is on a "private road" the development was built over 20 years ago and county water lines were not run down the private roads. All home sites had private water lines run to the main road to connect to the county water main.

Our home owners association has been working with the county for the past 2 years to get a "county" water line run down our road. All homeowners must release "easement permission" to the county to install the water lines. We have hired attorneys to make sure the project is done legally and correctly.

The attorneys require signed paperwork from the mortgage companies for the properties that have a mortgage. The paperwork was sent to Freedom Mortgage in March of 2020 (Freedom took over my Mortgage on 1 March and no one will give me supervisory of management personnel to talk with about this and to find out if the legal department is going to send the required documents back to the neighborhood attorney so the county can start our water line project.

Very frustrating. Constantly on hold when I call.

Finally got a "supervisor" he said he would personally call me back within 72 hours, never happened. It's all such a big secret...I have never experienced such an unprofessional way of doing business.

Initial mortgage paperwork for refinance was drawn up and provided by initial contact. It was incorrect as it had me paying for VA origination ~$780 which as a disabled vet is waived.

When I called about it Freedom said my VA certificate said I wasn't eligible. I said something's wrong and when they sent me the certificate it was for someone else. Obviously the names didn't match but Freedom failed to recognize that. Moving forward from that we were given closing date 20 April then just before closing the date was changed] to 23 April the before that they said we were not closing on 23 April.

All the time we're having to call to find out what's going on. They said they didn't have a payoff amount...my loan is with Freedom Mortgage now...how hard can it be to get that number. It's 2 May and we still don't have a closing date. No one knows what anyone else is doing in a mortgage process that is passed from person to person like an assembly line.

You never know who to talk to and is working your mortgage.

CRAZY! Avoid the hassles and go with another company is my advice.

I waited for probably more than a combined 3 hours, trying to reach someone in general customer service dept to discuss my situation and was told they will transfer me to the "loan mod/loss mitigation dept" and gave up after 3 hrs efforts. There is NO direct ph # for mtg customers to call to this particular dept.....WHY??

I ended up being transferred to "new employee hardware/software setup dept" not to the loan mod/loss mitigation dept., and ....was told I was caller #19....(I am NOT a new employee of Freedom mtg) dialed up the main # again, and have over another 37 minute wait per the auto voice. FYI their main web or your paper mtg monthly statement does NOT, repeat NOT tell you where to mail any escrow shortages....why?

I SPOKE WITH A CUSTOMER REP ON 4/16/202 AND ASKED IF FREEDOM MORTGAGE WAS DOING WHAT OTHER MORTGAGE COMPANIES ARE DOING BY OFFERING A DEFERRED PAYMENT. I WAS NEVER GIVEN A "YES" OR "NO" BUT WAS IMMEDIATELY TOLD ABOUT THE FORBEARANCE...ARE YOU KIDDING ME, IF I CAN'T PAY MY MRTG NOW, HOW THE *** YOU THINK I CAN PAY IT ALL AT ONCE WHEN IT BECOMES DUE. I HATE THIS MRTG COMPANY AND WISHED (IF ANYONE KNOWS HOW) I COULD CHANGE FROM THIS COMPANY HOLDING MY NOTE, I WOULD TRANSFER MY NOTE IMMEDIATELY!!!!

Horrible service, repeated computer and statement errors. Very lengthy hold times to reach anyone if you can.

I am a 22-year Veteran and I have been a Freedom Mortgage customer for 9 years. During this time, they have incorrectly reported to credit bureaus (2 times) that I was 30-days late on payments.

I had to basically prove my case that it was their fault/error and go back and forth on multiple occasions during this process...one was resolved, the other I am still working on and have hired a lawyer. I have 2 mortgages with Freedom and one with Quicken/Rocket Mortgage and I have to say Rocket Mortgages customer service is top-notch and financing with them was streamlined.

They NEVER misplaced paperwork and are very professional/customer service reps are exceptional.

When I tried refinancing a current Freedom VA loan just recently, the financing department misplaced paperwork and I had to turn in documents multiple times. So I stopped the process and will be going through the refinance with Rocket Mortgage.

I'm doing a refi right now with Clear Path Lending. I asked who they would be selling my loan to and they said Freedom Mortgage.

I was with you a few years ago. My loan won't close until June 1st. The reason for that is that I did a refi with cashout recently.

What I wanted to ask is do you still allow bi-weekly payments done automatically?

I'll want to do that. The other thing is that I would like to get an amortization schedule from you from day one.

Thank you,

James Graves

My VA loan was sold to Freedom Mortgage just a little over a year ago. My wife and I have owned 4 homes over the last 30 years and Freedom Mortgage is the WORSE!!!!

that we have ever dealt with. When I have a problem and have to call them, my average wait has been anywhere from 20 mins. up to 1 hour. When you get to speak to someone, each customer service rep will give a different answer, no one is on the same page, and when you ask to speak with a supervisor, their attitudes are worse, they're rude and can care less about your problem.

They're slow to post your payments, I was attempting to pay extra into my escrow account and almost every time, it would be applied to the wrong place, I started in 2020 paying more into my escrow and they sent it back saying, I couldn't do that. The customer service is so bad, I decided that I would rather pay a higher interest rate than continue to do business with this company. Right now, I'm attempting to do a REFI of my VA loan with a lower interest rate, our request was received on March 10, 2020, and as of April 3rd,2020, they have still not sent the payoff of our loan which caused us to miss our new closing date. When I called Freedom again, I asked to speak with a supervisor and his attitude was the worse.

This company clearly doesn't care about its customers and they clearly don't care about who they put out in front of their company that is supposed to be there to help customers. So right now, we don't have a closing date because we don't know when and if they will send a payoff letter to the new mortgage company.

I've asked my new mortgage company if there is any way possible, " DO NOT SALE OUR LOAN TO FREEDOM MORTGAGE " or I will never do business with them again. I am also going to contact the Veteran Administration and complain about the pour customer this company gives its veterans.

I sold my home and was expecting my escrow balance back mailed to me. Over a month later, I still haven't received it so I figured they were due a phone call. I understand we're are currently in a crisis, so I expect some extended hold time, but not an hour.

Need payout to be sent to title company and myself. Requested on Monday.

Today is Thursday, lady named Sandy with ID 2104 states it takes 3 business days. I called yesterday and spoke to another rep, (the name and id # is at home on a notepad) who stated it would be delivered today as requested.

What a bunch of bull. FREEDOM MORTGAGE ***