Freedom Mortgage Reviews

Now Freedom opened a policy for me & I have spent several phone calls, several hours on the phone cause my account increase over $225 without any explanation. I was finally able to find my own policy. Because of the fires here in California no one was writing new policyies. Now I had a AAA send proof of insurance & I called FN to cancel the policy they open. Somehow the 1st person in insurance didn’t close the lender policy & somehow sent my new policy to escrow. So now I was paying for 2 policies! I call FM again. Explain everything to a new person because there were no notes. I had them cancel the lender policy, cancel the check FM sent to AAA & correct me account & do an escrow analysis.

I waited 2 weeks. I called FM again, explain everything to new person Landon **. He can’t read any notes & sends me to escalation department & I speak to Kimberly for 2 hours. Not only was there a round & round again, she was not understanding me at all. She wasn’t honest about what had happened. I spent 2 hours with her letting her know it doesn’t make sense on why my mortgage increase so much when I have a locked in rate. She kept trying to tell me that it was my property tax. Wrong. My property tax has not increased that much. I understand it’s more but not that much. She asked me if I filled out on my App to request a cancel lender policy. I explained to her that when I spent DREA ** she told me everything was done & assured me Over over again that it was taken care of.

It was a lie. Not only was my insurance not canceled, it was not corrected & in my past phone calls there were notes of me requesting to have the lender policy canceled & my new AAA shown on my policy as my own insurance that I pay for by myself. I asked Kimberly to follow up with me to make sure everything is completed correctly & my mortgage policy is decreased. She said to just call back in 2 weeks to check.

FM is the absolute worst. I don’t know if this is a way of making more money from your clients or if you think people won’t check but it seems like a huge scam. I had to explain to Kimberly if she would have explained to me that your insurance person made a mistake & didn’t cancel the lender plan & then place your plan you are already paying for in escrow for you pay again. We did spot payment on the check we sent them but we forgot to do anything else. I apologize for this & let me help you to correct this to make sure it’s fixed & I will call you in 2 weeks to make sure the problems we have cause are fixed. I do apologize. OH NOO NO NO. I get a runaround for 2 hours asking multiple questions, many of the same ones & YOUR representative NOt giving me a straight answer!

What could have been a 1/2 hour conversation turned into 2 hours with some tears involved because who can afford a over $200 increase with no explanation & 2 new home insurance policies!!!! This was torture trying to get any answers. She just kept on telling me what I needed to do. I would NEVER recommend this company. Shady policies, shady increase then to get them corrected takes multiple months & a lot of broken blood vessels. Your company has failed. F in customer service. F in communication. Fin follow up. F in computer notes and F in website. & F in your phone system that keeps you in a circle. So all in all F rating. Avoid this company like the.

When we called to try & get it straighten out Freedom Mortgage said that they sent her an "email" notice but for some reason it went to Spam. We asked why didn't you call & they said it wasn't their policy to call for that but then they have time to call us "every week" asking if we want to pull out equity & do a refi on any of our other loans. Freedom Mortgage only cares about profit, they do not care about their customers.

The escrow accounting is something else, I had to close my account because they couldn't add up what went into it, and what came out of it and end up with a correct amount, cost me $161.42 just to close my account. I could go on but I think you get the idea, I have never experienced anything like it and would highly recommend using anyone else. Thank You.

Beyond that, I was given incorrect information about the amount needed for PMI removal, denied escrow removal based on undisclosed requirements, and repeatedly met with delays and incomplete responses—even when I asked for basic documents like the Automated Valuation Model (AVM). Each step felt like an attempt to keep me locked into paying PMI longer than necessary. Even after escalating my concerns to senior leadership, including the CEO, Freedom Mortgage failed to take any meaningful action. I would not recommend this company based on my experience.

Don't trust Freedom Mortgage. Also, if you look at the payment history, for some reason, every payment that was applied was reversed and reapplied for about a week straight, very weird for such professionals to do. And on top, I was transferred to a new servicer. Freedom mortgage told me, in order to close an escrow account, New York State law requires a cushion, so I paid them for 2025 taxes, almost a quarter's worth. They said they will reimburse, but there is nothing, only that they cannot allocate it and need proof of payment now, after all the confirmations I had with them. Very weird, like I said. I'm not making this up; I did not even know about New York state law. They told me, and now I feel like I got mugged.

It is clear that they have zero interest in returning much-needed funds to families at a time when they most desperately need them. My family had to go into debt just to pay for the work needed to return the home to livability once insurance ceased to cover reasonable temporary living accommodations, simply because Freedom Mortgage engages in active avoidance regarding the return of these funds. It's almost as if they are purposefully delaying the return insurance claim funds so that they can turn around and invest them for returns, as banks are won't to do. It's this experience that has me eagerly awaiting lower interest rates and even considering a significant increase in my mortgage APR in the sole interest (pun intended) of no longer giving this deplorable lender any more of my money.

I applied at Navy Fed who had no idea what Freedom Mortgage had offered. Immediately got a slightly lower rate with no points. NO POINTS! Freedom Mortgage tried to take advantage of a veteran to the tune of $11,000. If they'll treat a vet that way, just imagine how they treat everyone else. Now I've been trying to get them to transfer my appraisal to Navy Fed for the last 2 weeks. When they finally responded, they said it would take another 2 weeks to be done but in reality, they're just trying to get another payment out of me. Terrible company.

I used to be with Lakeview Loan Servicing prior to Freedom, and the only reason I had refinanced with Mid Mortgage America—who then apparently sold the contract to Freedom Mortgage without my consent—was having had Lakeview Loan Servicing for over three years. I know that the practices Freedom is employing are incorrect and seem designed to generate additional funds. This is made more evident since I receive phone calls and texts from Freedom Mortgage twice a week trying to persuade me to take out lines of home equity credit or buy a new home. This is the first time I've heard of a mortgage company telemarketing sales to existing clients.

Lastly, I tried to process my mortgage payment for the month of November 2023, and it seems an account number was off. As I noticed right away, I called Freedom within hours to notify them. They did not correct the issue or "see any problems" and reported it to the credit bureaus, resulting in my credit dropping by 100%. This has been one of the worst lending experiences and makes me question being a homeowner. The only reason I have waited this out is that my rate closed with Mid Mortgage at 3.5% in October 2022, and with new rates now being in the high 7%, I am stuck, and Freedom Mortgage knows this. They are trying to further capitalize on this with these fake fees and an increase of over $1,000 in my new mortgage.

When I bought my home in May 2019, my mortgage was $1,950 with a 4.4% rate. Now, in November 2023, with these new fake fees, my mortgage is $3,450 with a lower interest rate of 3.5%. Do the math: My mortgage has nearly doubled in four years from the home purchase. Do research on who you are lending with.

This company is a scam and if you read today's news, The Consumer Finance Protection Board Fined Freedom Mortgage $1.75 Million For Illegal Kickbacks! Just look them up. They have lots of successful suits against them for various reasons. This company is TRASH. Avoid them if you can. I pray my loan is sold to someone who is more competent than this company.

We didn't find out until the following month's statement came in the mail. When we inquired they said they had not made the mortgage payment because the impound account payment was short even though there was more than enough to pay principal and interest. So, while they had the right address for the mortgage statement, they sent the notice of increased payment for the escrow account to the wrong address! They said they would not reverse the credit reporting because, after all, the payment was short and they had sent out a notice and tried to call us but apparently couldn't be bothered to leave a message!!

I would advise anyone looking for a home loan to avoid Freedom Mortgage like the plague. They won't admit when they are incompetent or careless and make a mistake and they will make no effort to correct it insisting it's not their fault but rather, it's yours. They made me so angry with their attitude and indifference I asked my lawyer whether I could sue them but he said I had no actual damages unless I was denied a loan because of their actions. Definitely, one company to avoid.

We closed on the loan assumption several weeks after the final deadline (set by Freedom Mortgage) while having no delays on our end regarding paperwork or documentation to provide. We would constantly get the run around in terms of who was responsible on their end of taking care of certain parts of the loan. They would consistently transfer you to another department and later claim that the person we were trying to reach had been out of town but didn’t notify us of this on the front end.

We repeatedly would get no response back when asking questions or submitting documentation and would finally have to suggest we get a loan attorney involved in order to get a response. There isn’t anything constructive or positive I could say about this company. They are very disorganized, unresponsive, have lack of empathy for the situation (process took literally 6 months), and did very little outside of delaying every step as much as they could to avoid assumption of the loan. DO NOT RECOMMEND FREEDOM MORTGAGE!

So here we are, in another hurricane season still trying to get our insurance money from Freedom to complete repairs. If I had known when the hurricane hit how badly I would be treated by Freedom, I would have just walked away and let them keep the pile of debris we called a house. Getting YOUR OWN MONEY from Freedom shouldn't be more stressful than riding out a category 5 hurricane in a building that is falling apart around you, should it? When you call Freedom, you wait for almost an hour before being disconnected. When you call back and leave a callback number, they usually don't call. When they do call (because you are persistent and don't stop), they could care less about you as a customer. When you ask for a supervisor, you get someone who claims they are a supervisor, but I doubt they are.

They lie and tell you things just so you hang up. They will give you a timeframe when you can expect your money, but when that timeframe goes by and you call back, you get "Oh, that wasn't approved". Unfortunately, I assumed since I always pay my mortgage early and have never missed one (in spite of the hurricane aftermath) I thought they would be a little more helpful in releasing my money so I can have a home to live in. Boy was I wrong. If you are thinking about Freedom Mortgage for your next home, my advice is to RUN and look elsewhere, once they got you, they could care less about you.

My next mortgage will definitely be with someone else. I only gave one star because you have to give something. If you go to any of their websites, you may notice they post happy reviews from "customers" however, there is nowhere for anyone to post an honest review there. I think that says something. FYI, as I write this I am on hold with my newly acquired attorney in the hopes he can get MY money from Freedom. What a shame it came to this.

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.