iFreedom Direct

Terri is very efficient and knowledgeable about the VA Home Loan procedure. She truly fights for you and keeps constant communication with all parties involved. She gained the respect and admiration of my realtor as well as the seller's realtor. I cannot thank this corporation enough. You are a blessing and this family is truly grateful. So vets and even those who are not vets if you ready to buy Terri ** is waiting on you!!!

I would never, ever use them again. I would never, ever refer any business to them. Incompetent, extremely frustrating, lackadaisical, downright incorrect are just the start to a string of words I could use to describe my unfortunate experience with them. You could not pay me enough to work with them again. There has not been one positive event during the entire three month ordeal. Run, do not use iFreedom Direct. If you do not believe me, do some digging...ask why they had to change their name!

When I checked in 1 week before my client's financial contingency deadline was due, I never got a response if she was fully approved. I emailed and called everyday until her deadline, but never got a response. I held my breath and hoped that everything was ok. Then, several days before closing, I tried to check in again to see if we were on track to close (because I sure hadn't heard anything and had to assume everything was ok). Finally, on the day before closing, the lender finally emailed me and said we would not close. My client was so furious and I was as well, mainly because we never received any phone calls or emails leading up to this point giving us a warning that this may occur. They said they were ready to go but needed a document that my client had to end up getting mailed to her which would take up to a week.

My thought was why didn't they ask for this much earlier! We re-scheduled the closing date for almost 2 weeks later. Meanwhile, the lender continued to ask for information from my client which makes me believe that they were never really ready to close on the loan and needed more time. I truly think they were a very disorganized team. I think the most frustrating part was that I could never get them on the phone. What poor service! My client then was asked to sign a good faith estimate document that is required to be signed 3 days prior to closing by 11:59 PM. However, the lender basically forgot to ask her to sign this until 10 PM of the night it was due. Oh, and she first just emailed my client and myself the document at 10 PM (which I was not checking emails at this point -- I would have if I had known I should have been looking out for it) and then she tried to call my client at 12:45 AM to tell her to sign!!

The lender failed to take into account that we were not in the same time zone as their Utah office. Needless to say, my client missed the deadline to sign that document and had to re-schedule our closing AGAIN for a few days later. My poor client had to re-arrange her movers, utilities, and other furniture deliveries 2 different times. My client was so upset and stressed on the day of closing, which is supposed to be a joyous time.

I will never EVER let one of my clients use iFreedom Direct again if I can help it. They failed to communicate and only answered questions they wanted to via email. They don't pick up the phone and even their upper management whom I tried to get in contact with was useless. I think the worst part was that they never apologized for forgetting to have my client sign that piece of paperwork until the 11th hour. They never admitted fault. And the funniest thing is that the lender had asked my client to not write a bad review of her. I will be nice and not mention names, but I would not trust iFreedom Direct with handling my loan!!!

Even that effort, was not fruitful. I recommend you google this company and believe the reviews you read about incompetence and lack of caring, I second guessed them. By the way, I did not put the names of the people who ripped out my heart and wallet, because from trying to find anyone in the company to help, I realize it probably doesn't matter which person you get on the phone. They will be incompetent and uncaring.

On June 19th he called and said the loan didn't go through because it was a Condo and they didn't give mortgages on Condos. We had to accept this and cancel our settlement date and found another mortgage co. with no problem but it has set us back at least a month in settlement. Since this is a shore home it means losing 1/2 of the summer! As though that wasn't enough on June 20 we received a statement saying we were refused the mortgage because of insufficient collateral. This is nonsense since we own our home and have more than enough in assets to cover the loan. I don't know how they can get away with this and I hope more people read these reviews and stay far away from this Company. Thank you.

Mr. ** said he was out of the office when that was sent. He never did send a corrected Good Faith Estimate which I think by law he must provide. He keep assuring me that no problem, the loan is good. It is now less than a week and a half until closing and no loan. I got an email yesterday (start of the 7th week of this loan process) stating they needed much more information. Today was the final straw. As Mr. ** has proven to be inconsequential as a consumer advocate, I called the President of the Company. He was not available and turfed my call to **, a Purchase Group Mgr. Mr. ** informed me today that they would be unable to process the loan unless I changed around income sources and showed income in another way, with a two month history.

Since the closing is in 9 days, it is impossible to show two consecutive months of income in this fashion. The bottom line is: iFreedom Direct is inept, unable to provide information and a loan in a timely manner, with no discernable process. They have left me with few options with only 9 days until closing. I would warn everyone to stay away from iFreedom Direct and find a lender who is not incompetent like iFreedom Direct.