
Freedom Mortgage
Freedom Mortgage Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Freedom Mortgage has 1.4 star rating based on 642 customer reviews. Consumers are mostly dissatisfied.
75% of users would likely recommend Freedom Mortgage to a friend or colleague.
- Rating Distribution
Pros: Should be investigated, That they should be investigatd, Customer service.
Cons: Customer service, Entire process, Unprofessional business practices and complete lack of action.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Freedom Mortgage has 1.4 star rating based on 642 customer reviews. Consumers are mostly dissatisfied.
75% of users would likely recommend Freedom Mortgage to a friend or colleague.
- Rating Distribution
Pros: Should be investigated, That they should be investigatd, Customer service.
Cons: Customer service, Entire process, Unprofessional business practices and complete lack of action.Recent recommendations regarding this business are as follows: "Be very careful!", "yes.just get a real human on the line.", "Expect nothing but complaints", "Avoid doing business with them, they are deceitful.", "Go elsewhere!".
Most users want Freedom Mortgage to offer a solution to their issues.
Consumers are not pleased with Reliability and Customer service. The price level of this organization is high according to consumer reviews.
Media from reviews











































This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerMortgage Modification
I was contacted by Freedom Mortgage, letting me know I was eligible for a modification to lower my rate on my mortgage. I went through the process and was told I did not have to make the next two payments as they modified my loan.
Two days before I was to sign the modification, I was told that I did not qualify because I had a poor payment history due to missing the last two payments. Now they say I am delinquent on my mortgage and have reported this to the credit bureaus as being delinquent with a poor payment history.
Absolutely horrible way of doing business, and now I have ruined my credit. Once I fix my credit, I will be looking to refinance elsewhere.
- Sneaky and not truthful as they said one thing and did another
Preferred solution: Price reduction
User's recommendation: Be very careful!!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Customer service number is a sales scam!
Everything turned out OK. Problem was that their main customer service line traps a caller in a loop of robotic sales for Medicaid. It was impossible to get through to a live agent with that number.
Very nice...answered by questions about escrow balance and title transfer.
Got a human on the line on 3-10-2025, really friendly!I used the number:Customer Service:(855) 216-**** (option 4)Personalized EvaluationDo not let them put you through to the (855) 690-**** customer service number. Demand they get a live agent on the phone and go from there.She answered all of my questions and was very nice to me.Overall, I like Freedom Mortgage, but they need to find an easier way people can steer their way out of the Medicaid bracelet sales pitch. Who likes arguing with a voice recorder?Mark
My Mortgage has been paid off.
Will I have my mortgage document sent to me in the mail?
Will the escrow balance held be sent to my by check?
Mark Hatzenbeller
Preferred solution: communication
User's recommendation: yes....just get a real human on the line....
Horrible customer service. Broken promises of being told they will have a supervisor call back.
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.
Failure to communicate and close in timely manner
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.
Deliver product or service ordered
I was to be transferred to the loan mod/loss mitigation department to speak to someone re: my mtg hardship/C19 virus situation and was transferred to new employee setup for software/hardware needs.
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?
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerCOVID 19 NO RELIEF FOR PAYMENTS
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!!!!
DEFERRED PAYMENTS FOR A COUPLE OF MONTHS!
Horrible service
Horrible service, repeated computer and statement errors. Very lengthy hold times to reach anyone if you can.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerPoor customer service/reports incorrect information to credit bureaus
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.
- No pros
- Neglects customers
Let the company propose a solution
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Bi weekly payment Amortization Schedule
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
Freedom Mortgage - Very Bad Customer Service
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.
Longest Hold Times I've Ever Been On
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.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerService
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 ***
- Paper statements
- Every aspect of any and all interaction with freedom mortgage
- Impolite
Let the company propose a solution
Worthless lender
I served lawful process and required an accurate proof of their specific dealings with me and they defaulted.

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Terrible Customer Service
The representatives lack professionalism and knowledge in what they do. They don't care one bit about their customers. You will get different information each time you call and they never have a supervisor available who can clarify the miscommunication among the employees.
- Every a homeowner needs to avoid
Preferred solution: A need a solution to my issues
User's recommendation: Expect nothing but complaints
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |I tried for 2 days to get thru to your company , to request a history of our loan, you needed to verify my e mail....and said you would send me a verification code, I waiting but it never came
I had to go to the library so I could use 2 computers to get through and it still did not come throrugh...so how do you get through to you.to your customer service ?do not ask for a request, you don't get
Horrible experience
Freedom Mortgage is terrible! I only chose them because my mortgage was being transferred to me.
I understand that process can take about six months. But once the mortgage was fully transferred to me, I received nothing but nonstop misinformation, which was incredibly frustrating. They would send me various forms that I need, but I can't access them because my account wasn't set up due to the transfer. Even when I try to receive information by phone, I never once got the text.
Along with this, they need better-trained customer service as well; the staff all provide different information which doesn't help me as a homeowner.
If I ever decide to purchase another home, I will certainly avoid Freedom Mortgage and recommend that others do the same if they ask for my advice. They've made my first-time homeowner's experience terrible!
About
Freedom Mortgage Corporation was founded in 1987. It is a full service lender. In 2006 the company purchased Irwin Mortgage. Freedom Mortgage Corporation specializes originating, processing, funding and servicing loans at competitive rates. The company offers a wide range of options, quick approvals, easy access and twenty four hour a day, seven days a week convenience. Freedom Mortgage Corporation provides home financing and home refinancing loans, VA, FHA and conventional loans, interest-only mortgages, debt consolidation to pay off the high interest credit cards, home equity loans, construction and home renovation loans, unsecured and bad credit loans, etc.

Freedom Mortgage is ranked 296 out of 1133 in Loans and Mortgages category
USA
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You clearly didn't understand the process. I'm sure if you look at the unopened mail and/or email(s) you would have been that most likely you were on a trial payment plan, before you get the modification.
Missing those two payments, you're no longer eligible for the modification. This clearly wasn't their issues, it's your payment history.