Freedom Mortgage

I asked many times for an estimate loan and never got one. The agent always stuck with telling me to give him a quote from someone and he would match it or beat it, I made it clear I wanted Freedom's best quote, not them undercutting the best I could get and only by matching it. After many rounds of that nonsense the rep just closed out my application without any notice. I will not do business with them again.

All this increase in my payment I have been scheduling payments every two weeks thinking I’ve been paying my mortgage early but I have called, faxed, and sent notice to them that I want to set up this plan to quicken my pay off. They have ignored me for over 10 yrs and “holding” my early payments without posting them to the balance of the mortgage. They even told me it was a good idea to keep doing this. Well they increased my payments for escrow again and for $20 they put on my credit report I was delinquent in my mortgage and they will not correct it. My advise is use anyone but Freedom Mortgage. You will regret it forever!

I requested an audit of the account and was told it would take place. I have never received the results of any audit. I was told to contact my county and pull the tax statements to help. I reminded them of the 1974 ADA protection act as I am 100% disabled and would need help doing this, they didn't care and would not help. My county are the ones who informed me of how Corelogic broke the law and pulled the former owner's tax statements. Then to make matters worse Freedom mortgage didn't actually pay part of my taxes and blamed the county, just as the county was informing me of the non payment. This may be confusing but by law as a 100% disabled veteran with a VA loan it is Freedom mortgage's responsibility to handle my taxes, not the veteran's responsibility. Not only did they NOT fix it but inflated my escrow to accommodate the new tax information that was fraudulent and only months later paying the late tax bill.

This added $300 a month and for the next 18 months continued to bill me and hurt me no matter what I told them. In August/September of 2022 I finally got someone on the phone that seemed to understand the situation and received again promises of fixing and refunds before Christmas 2022. This again was a lie and nothing was done. Then a check for the last 6 months refund came in, however nothing for the prior year. When contacted Freedom mortgage stated they couldn't send me a check for the remaining tax refund and could only refund into the escrow. This is a blatant lie as we had received the prior refund check AND it is against federal law to hold more than $500 dollars in overages in escrow and those overages must be refunded to home owner.

Freedom mortgage then blamed the county treasurer for not sending them back the overages. Another lie as the county did but to an address Corelogic gave them that they now "claimed was no longer in use". The county treasurer when asked at ANY time during the 18 months for the refund said it was illegal for them to give it to me that Freedom mortgage had to. Freedom mortgage agreed with this fact but said they were always waiting on the monies from the county to be given back to them after they over paid the taxes from the escrow. Another lie as the county had proof of checks sent, not once but twice. Freedom mortgage refused to address the situation at the start of 2023 and refused to work with the buyer in sorting this out even though the buyer is who had the documentation, tax papers, and all other proof of incident.

On Feb. 18th 2023 the checks were refunded by the county treasurer under instruction of Freedom mortgage against federal law. As I can only access this was so Freedom mortgage didn't have to contact me or deal with me. No formal apology for 18 months of hell, no apology for the fact that the 300 dollars per month stolen from the veteran was their food money for the month. Freedom mortgage customer service refused to help, the tax department refused to help, Corelogic refused to help. When they finally agreed to help after threats of publishing what they had done and proving what they had done they said to always ask for a supervisor when calling in BUT stonewalled me be lower customer service never allowing me to talk to the supervisor.

Now I have new bill for UNPAID taxes received this first week of February 2023 which Freedom mortgage refuses to address. As stated earlier I am a 100% disabled veteran and am not supposed to receive tax bills as it is Freedom mortgage's and then Corelogic's responsibility to pay these taxes and receive these statements.

We had a modification letter in October 2021, then again in January 2022, then March 2022. They kept having to adjust it because they went over the allotted amount of days to modify the loan. We finally got paperwork to sign in June 2022. The modified loan was supposed to start in August 2022. They never took the money out of my checking account. I keep calling them to find out what the problem is now. No one can give me a reason except it’s taking a little bit longer because of Covid. So I pay the payments that is on the loan modification. The payment goes into unapplied funds. It’s a never ending cycle!

I get home from work today and there is another set of documents to sign again!!!! It is October 5, 2022 now! I call their phone number, get another customer service representative who wants to know why I’m calling. They will not forward me to anyone who can do anything or figure out what the problem is now. I feel like I’m in the movie Groundhog Day. I tell you, do NOT get anything from this company! The stress, anxiety, rage, annoyance, and just plain waste of my time and energy is not worth it!

This is now 4 months down the road and they still refuse to remove the escrow. As I write this review today, my escrow balance is ~$2000. My insurance policy is ~$1450 annually. They continue to charge an additional $330/month for something they have never paid and never will. Their reasoning for the refusal to remove escrow was because I am now a risk since I refused to make the incorrect payment initially. I have never made a late payment on anything. All my payments are automatically drafted. When I attempted to set up the auto-draft with this company, I refused because the payment was wrong. So their justification to continue to steal from me is due to my refusal to give in to their fraudulent charges.

To clarify, I went 4 months without making a payment. Freedom waived late fees while they attempted to correct the payment issue. I have been called them for months and have offered to pay $675 per month for every month. They have consistently told me my payment would only be applied at $1005 per month even after providing proof of insurance. Also, there was NO forced coverage in place. They were collecting up front as a plan to take over paying for me. They are collecting at a rate almost triple what the insurance costs. I finally gave in and have paid all their scammed money as a ransom to bring payments current while I refinance elsewhere.

This company is a scam. I am now in the process of refinancing other properties to pull equity to pay off this mortgage. I have little faith they will refund me any of the escrow they have been collecting. Avoid this company at all costs before they hold you financially hostage with bogus charges for expenses you already pay and they have no intent on paying.

Now, I know a person should always read the fine print but this estimate for my taxes was so grossly under any taxes that anyone pays in my area that something just seems fishy. This seems like some sort of tactic used by a mortgage company to get the best of their customers knowing that most probably will not read the fine print. If you can, I would avoid Freedom Mortgage at all cost. At best I would say their business practices are questionable.