Freedom Mortgage
Is This Your Business?2.2
4.6
Overall Score
Jess b Jacksonville, NC
I’m a realtor in NC attempting to assist my client with a short sale. He is an active duty service member whose home was severely damaged by hurricane Florence. Apparently FMC was extremely difficult to deal with at the time of the disaster. After the repairs were made I listed the home for sale, at top price. We received an offer come to find out that FMC had added fees to the back of his loan. So we initiated a short sale. After receiving and accepting a full price offer, I was contacted by the appraiser who told me there was an active leak in the kitchen wall. Upon further research and confirmation with FMC- they had sent out a preservation company to carelessly mow the lawn. They hit the water spigot resulting in severe water damage to this like new home. Water was seeping through the brand new floors, mold throughout the brand new drywall. I contacted them immediately to notify them of the damages, and was told they would file a claim. A couple weeks later I called 10 times only to be told 10 different things. They never initiated a claim. It’s been 4 months. I presented them with a CASH offer and multiple estimates reflecting the repair costs. I was told they submitted it to the VA for approval. The VA responded and told them it is their responsibility as the servicer to protect the home and that they should file a claim and be responsible for the damages. When FMC relayed this information to us there was absolutely no responsibility or empathy implied. In fact, they told me they would send someone out to assess the damages (4 months later) and I still haven’t been contacted. I was also told “the va denied the offer”. Apparently foreclosing is a much better option to FMC. I plan to contact the VA Technician responsible for his loan and report failure to complete property inspections, failure to report material damage and even the possible predatory mortgage servicing that has been added on to the back of this REFINANCED loan. Absolutely unfair and my heart breaks for this poor veteran. BUYER BEWARE.
6 years ago
Roger
Freedom Mortgage bought out my mortgage from my original mortgage company. In the beginning they could not get one single thing right. I would always pay extra each month to help pay down the principal. Freedom would not apply it to the principal. For like 6 months I had to keep calling them so that they would apply the money to the principal which was very inconvenient. I finally was able to talk to someone that knew what they were doing and set it up correctly so I would not have to call in every month.
6 years ago
Chris Anchorage, AK
I read the reviews and still went with them because they offered the best rate. They are the worst, however. Every step of the way: Originating a loan, selling and then buying back the loan and finally when you sell the property. it seems like it is the first time they have ever dealt with a mortgage. Customer service either has no idea what they are doing or will be cryptic and hide facts. To get anything done with this company, you have to make a formal complaint with the Consumer Financial Protection Bureau. I've done it six times with this company and they have had to correct the problem each time. Very unethical and immoral. Look at their record with owing the US government for scams.
6 years ago
Wendy D Canby, OR
Worst experience ever with any refi or loan in 20 years. Poor communication, tried to charge us for 2019 taxes that had already been paid from our escrow account again at closing. Could never reach anyone by phone and would spend hours reguarly trying to call to manage continual problems. They didn't even bother getting our loan documents to the appointment they scheduled at closing. They never did call or apologize for that. At 2nd closing appointment, halfway through the documents they had included some other person's name and private info instead of ours...major privacy breach. They bought our loan, we never sought them out and only refi with them because it was cheaper to do than starting over on a new loan, but would not do it again with them any type of loan EVER. If I could give them zero or negative stars, I would. I have done other home loans and refi in the past with other companies that were great and so I never knew this process could be so bad or that it was like this some places. Never knew a company could be quite so bad. Avoid these people at all cost.
6 years ago
LLT Yuba City, CA
Would give them zero stars if it were possible. My VA loan was sold to them, first year was fine but then they began calling me non-stop to do a streamlined refi for a lower interest rate (only 1 pt lower). I finally said yes just to get them to leave me alone, refi was a nightmare, misplaced paperwork, no response to emails, phone calls not returned, etc. Refi Loan finally closed and now they haven't paid my homeowners insurance from the escrow account. Spoke with a customer service rep, she said it looked like a the was a typo the account, insurance should have been paid on 11/25/19 but someone typed 11/25/20. Nothing they can do about it now so I'm on the hook to pay the insurance out of pocket. Horrible company.
FYI .. after spending more than 45 minutes on hold I finally got through, the rep apologized for the wait and said there were over 250 calls in que.
6 years ago
Mary M. Saint Paul, MN
If I could give a negative star rating, I would! NEGATIVE FIVE!! at the very least. We have had a Freedom Mortgage for 3 years. My husband is a veteran so we went with a VA loan. In June of this year (2019), a representative from Freedom Mortgage called to say we qualified for a VA refinancing that would lower our interest rate and payment. We were assured that it was a very streamline process. Nothing could be further from the truth. (And it seems from the other reviews that we are unfortunately part of a trend)
After submitting our documents we didn't hear back for a couple of weeks so finally I called. They kept saying that it was because they were waiting for a subordination (we took out a very small loan from a community group to insulate the house) but that was untrue. The problem was both Freedom Mortgage and Inspire closing staff were either incredibly incompetent or this was all a scam to start with. After weeks and weeks and a multitude of emails (in which they informed us they were wrong about x or needed to redo y or sent the wrong amount in, etc.). We received this email (on November 6th -- 4 months after we started the refinancing):
It looks like due to the age of this file Freedom Mortgage had to close the loan. I have been working on trying to reverse this, but with no luck. I apologize for all the hassle. I can reopen the loan for you if you still wish to proceed. Let me know. Thank you.
Freedom Mortgage has all of their press releases about amazing growth and how they serve veterans. Seems their growth (and profits) are at the expense of veterans. I tried multiple avenues of trying to get some customer support and got no where. I hope someone investigates this company soon.
6 years ago
Jennifer D Cypress, TX
This mortgage company does not honor original agreements they agreed to and approved such as a VA Modification that was sent to us stating the VAMOD was approved. They then state after the 3rd trial payment that it was on a forbearance instead but did not generate the denial letter to be sent out to us “because the incorrect CIT was used to have the correction letter sent” so we did not receive anything due to their error. This is our fault…how?? They also never stated anything about a forbearance until my third payment was made. I have spoken to probably every rep in their company and each one stated completely different information. Not one rep has any idea what is going on with our account. They refuse to honor the original VAMOD that we under the impression we had because they stated that the VA did not approve the MOD. However, the rep at the VA stated they did approve it and not the forbearance. I will NOT recommend these people and their antics. They are clueless and refuse to honor what they stated originally. Kept copies of everything sent to us but they still question “I’m not sure how you have that”. Well, I did not use their letterhead and make my own contract up! This is by far the WORST company I have ever dealt with. Be careful when you deal with these unprofessional people.
6 years ago
Brian Helena, MT
WORST EXPERIENCE EVER!
I refinanced through this company NOV 2019. My payment was set to be slightly over 1400, then there was a shortage 2019, so it raised to 1480. I was advised to refi, and my payment would be 1404. I did refinance in NOV 2019. In March I had to pay 1570, because of a "shortage." No response was given, so I had to file a complaint through the state. Lone and behold they underpaid the taxes, and the check was sent back. So instead of sending it back to my account they simply didn't, or put in the wrong account. So to make up the shortage and recover the "cushion" my payments went to 1465, which I wasn't happy, but i understood. Then in June 2020 I was told there's another shortage! My new payment starting Aug is 1494! I called the company, and they said they never returned the tax check and they paid the taxes for my property Feb and May 2020 over $1300 each time. My property tax per year is $1300 and change. I asked for a manager to call me so we can straighten it out, instead I was told I would get a letter sent out to me on July 13th- 3 weeks after asking for clarification and 2 weeks to dispute before my new amount is due. This company lied to the state saying they returned the check to my account. The only time I ever get answers from this company in a semi timely manner is when they are reported for fraud/investigations. Then I asked not to be contacted for Refi due to the horrible service I have gotten, and yesterday 07/06 I was called about refinancing.
At this point I am selling the house, and dumping this company. They offer great deals, then never follow through. I have turned them into the BBB multiple times, the state for investigating now 2 times, and now to the FCC for mortgage fraud. This company is absolutely ridiculous, and I would avoid them AT ALL POSSIBLE COSTS.
7 years ago Edited September 14, 2021
Vexed Client Front Royal, VA
Initially when I was SUPPOSED to close on my refinance (Freedom initiated), I felt it was short notice to get the cash to close figure the morning of closing. Thats the start. The notary who was supposed to meet with me for closing never showed. When I called Freedom that evening they were very apologetic and assured me that rescheduling my closing would go flawlessly. At that time I felt that they handled the situation well. Thats where it ended. The day before my rescheduled closing I received a notice that my cash to close was more than initially agreed to. It took 5 phone calls that day to get any sort of inclination that it would be corrected or explained and someone would call me back. I asked the representative when I could expect a call back. He said that evening ot the next morning. Well, I waited until about 1 hour before the time I was supposed to meet with a different notary and ended up call again myself. It took another 5 phone calls, on one of which I got laughed at. Their solution was - pay the higher amount even though the rescheduling was needed at no fault of mine, don't close and pay my regular mortgage payment (which would have been late at this point) or reschedule gain and risk my cash to close going higher. HOW IS THAT RIGHT? I felt like they were holding me hostage. It took several times of me telling them " how can you not see that what you are doing is wrong". At this point the notary was already at my house listening to me argue with the general incompetence and unwillingness to do the right thing which was make the cash to close amount the same as what it was a week prior. 12+ phone calls total and nobody could tell me that there were any notes in their system about any of it. I wasn't asking for anything outrageous. I wasn't asking for anything beyond what I was told the cash to close would be on the original closing date that I was available for but their notary pulled a no show. They were simply not willing to uphold their end of the agreement and stated that there were additional escrow monies due(according to one person - another said there is a per diem interest charge) they can't even get on the same page with the reason I was being charged more. When I finally reached a supervisor (remember 12 phone calls later) she tried to explain why I was being charged more. I reiterated that charging me more regardless of reason on their end is the wrong thing to do and morally bankrupt especially because the ball was dropped on their end and not mine. After going back and forth for quite some time we came to an understanding.
7 years ago
Alan Hollywood, FL
Terrible Company
Insurance company cancelled the policy but didn't notify me.
They force placed insurance on my policy which changed the payment. My automatic payment wasn't enough for one month so they reported it to credit bureaus as a late payment (one of the most damaging things you can do to someone's credit). Called them several times to reconsider....one person told me to just dispute it and they would remove it that way. Disputed it with all three credit bureaus and they verified all three.
Rates dropped and they marketed me to refinance with them. When I got them on the phone I said sure if you'd be willing to remove the late payment you guys are reporting. The declined yet again.....I refinanced with someone else.
This company is willing to lose business to ruin your credit.
STAY AWAY!! YOU'VE BEEN WARNED!!
7 years ago
KJ Sykesville, MD
AWFUL! From the moment that my mortgage was sold to Freedom, it has been an absolute nightmare. One month they processed my single authorized payment THREE times in a span of four days, causing my acccount to overdraft so badly that my entire next paycheck went to NSF and overdraft fees. The very next month they billed me for .10 cents less than I actually owed. They didn't apply the other $1505.90 cents because it was a."partial" payment. I only became aware of this the following month when my credit monitoring service advised me of a 100+ point drop in my score due to my mortgage going 30 days late. They jacked my financial situation up so badly that I had no choice but to stay with them - because I wasn't even eligible to refinance! 18 months later and my score is finally close to recovering. STAY AWAY FROM THIS LENDER.
7 years ago
Sandrene Burns Tuscaloosa, AL
My husband and I applied for a home equity loan from Freedom Mortgage. Our initial contact person was pleasant and positive about our prospects based on the initial information we gave her .She sent us a packet of forms to fill to fill out and requested other pertinent information, which returned a couple of days after receiving it. Once it went to a so called "loan agent" and his female supervisor, it became a very log, arduous, stressful process. These two people kept requesting more and more irrelevant and trivial trivial information which drew the process out longer and resulted in our loan application to expire twice. Once they began the process again they requested even more information, some of which had already been submitted. all of their request for information had to be in writing, and in some cases notarized. My husband and I spent a lot of money having trivial information notarized. They even wanted information about an apt. we lived in for 9 months 40 years ago(TRIVIAL). We had to send them documentation about property we once owned but had sold several years ago. I had been receiving my pension for 20 years and told them it was a lifetime pension. They wanted written documentation from the state pension dept.. To expediate things my husband and I drove 198 miles round trip to get this information. We had to get a termite bond(a reasonable request). The company gave us the option of installment payment or pay in full. They wanted us o pay it in full before they would go any further on our application. So we had to pay a couple of hundred dollars to pay it in full. These are just a few of the many hoops we to jump through for these people. My husband and I both have excellent credit scores so credit wasn't an issue. Finally, 5 month later after they had exhausted their requests for "garbage" we were told our loan wouldn't be approved. I don't know if this particular "loan agent" and his supervisor he exception, but if they are the norm, then Freedom Mortgage is BAD NEWS, and I would advise anyone considering doing business with Freedom Mortgage to run away and take your business elsewhere. My husband and I went to another company and supplied them with the pertinent information they asked for. Three weeks later we were approved for the amount we requested. They even sent a note thanking us for letting them do business with us.
7 years ago
Regenia Ward Buckeye, AZ
My loan was somehow sold to Freedom Mortgage, From day 1 it has been a nightmare. This company does NOT need to handle any VA loans at all. First off, I had to do my own research to find their information because my last lender stated on their website it had been transferred to Freedom Mortgage. Weeks later I received a welcome letter from them. Then it was my property taxes as a 100% disabled veteran and being exempt from a certain amount. Our taxes aren’t due yet for this tax season but I wanted to let them know that this is the information that will be coming up for my taxes. 2 months later, I received a letter from Freedom stating that the Treasury office had no information. I was puzzled because as of right now, the Treasures office and the County Assessors office are not network connected, The County told me it will be linked in August. Being that I like to get to the bottom of things, I go to my Assessors office and she tells me that the information will be annotated during the tax year and that’s why I have the letter to send to my mortgage lender. (I mailed one and emailed one) so they will know it’s coming. But besides all of that, my main complaint was when I received an email from my homeowners stating my insurance hadn’t been paid in two month’s! Yes, two month’s. I’ve had insurance with this same company since I purchased my home and I have never been late with my mortgage payments in which my insurance is escrowed. Hearing this I jumped on the phone with my insurance and we called them together. They never contacted my insurance to let them know the change. I hate to say this but my loan has been bounced 4 times. Never have I had an issue with a mortgage lender updating my insurance info. So, they tell my insurance company, send me all the details and we will get it paid within 7-10 business days. A complete mess. I made a follow up phone call with Freedom and the guy tells me it’s up to me to give that information to my insurance company. What? remember now, I didn’t even know they were my lender until May 1, 2019 and like the other lender’s always told me “you don’t have to do anything, we cover it all” so being that money was going into escrow and the last lender sent them the information, what did Freedom really think it was for? But this is the real kicker, yesterday (July 12, 2019), I received a letter from Freedom stating I didn’t have hazardous insurance. I got on the phone once again called Freedom and spoke to Ciera. She put me on hold for a minute and told me to ignore the letter I received and they sent out a check to my insurance company. In my mind I’m thinking, “you didn’t send a letter until I called you about it and was just collecting escrow” First of all I’ve had homeowners since I closed on my loan and Freedom is just a negligent company with incompetent people. However, customer service has really been helpful, some of them can’t believe how that happened. I can’t wait to refi to get away from this company, they never hold themselves responsible and try to turn it around on the homeowner. Oh and let me not forget about receiving calls when you post a bad review. They called me but I couldn’t take the call at that time. I call them back, left a message and no one returned the call. VA should take them out of their network. They need a loophole for being able to leave lenders because of negligence.
7 years ago
Christina B Livingston, TX
This company is a joke. they actually bought out our mortgage from another company and we've had nothing but problems when trying to get through to them. Most of the documents for third-party authorization and such were not valid once they bought out the loan and we had to redo all of those despite the fact that we had signed the mortgage two weeks prior and filled all of that information out. The supervisors and employees lie and say one thing and then another one says something completely different. It is very impossible to get a straight answer from them when having to call in about your account. And the fact that they're not on the same page with information is very frustrating. We've had to fill out forms only to be told that they needed something else and after completing that we're told they still needed something else so every time we call we're having to add more things to this it's been over 30 days and they haven't resolved our issue. Forget it if you need to get an easement form from them since they are the mortgage holder they have to sign off on the easement for the power company to put lines on your property. They are not done in a timely manner and cannot get the information correct. This company I would never refer to anyone. They like to play the pass along game act like they're helping and then pass you to the next person and make you start all over again.
7 years ago
Lateisha Hampton, GA
I tried to get a loan modification done in 2017. It’s 2019 and still no resolution. Just added fees and interest. They have all my information and updated information but every time there’s always something “missing”. I have called back and spoke with the agents who see the info plain as day only to resubmit it back to underwriting for them to find another excuse. This was supposed to be a 45 day to at most 6 month process. In July it will be 2 years. Imagine the joy they have of collecting 2 years of interest and fees. The kicker is that you can even make a payment the day you start the process. Thx for nothing Freedom Mortgage.
7 years ago
Diane Kelly
Have only been with them six months and have had multiple problems and been given misinformation twice. They were very slow to pay our property taxes, resulting in warning notices from our tax authority and unnecessary stress for us. They didn't pay our property taxes until the zero hour, despite the fact that one of their reps told us that they should have been paid weeks earlier. They also told us that PMI wouldn't be applied to our account after we made an additional large lump-sum payment, but then they continued to charge PMI. Am frankly disgusted by the amount of time I have to spend trying to fix their errors.
7 years ago
Suzanne Sweeney Hampstead, NC
Freedom Mortgage purchased my mortgage when I re-financed. I have been with Chase and Liberty and both were great. If I could have rated them awful, incompetent with the worst customer service and polices with any mortgage company I would but poor was the lowest option.
First if you choose to make your monthly payment over the phone they charge you $10.00 to make a payment to YOUR own account and if you choose to use one of their rude and unprofessional customer service representatives it $20.00, however if you use their website making your payment is free, sound like a solution except that the website is not user friendly. An example after spending 90mins on hold to only get disconnected and then placed on hold for another 30mins I was told that my user ID had to be in all CAPS but they fail to mention that anywhere on the website when you sign up. The troubleshooting options offered on the website didn’t solves my problem. It only wasted close to 2 hours of my time before it suddenly fixed and I could make my payment
Second another borderline fraudulent tactic they employ is that you pay on the website and get a confirmation your payment is made well within the due date but somehow on Freedom Mortgages end it wasn’t made until after the due date, so they charge you a $50.00 late fee. Never in the 20 years paying a mortgage has it ever been close to late, but I pay it five days before the due date, and it held for some reason until after the due date passes until its credited to my account and I had a confirmation number provided by them when I made my payment. This and my unrelenting stance that I should not be assessed a late fee for their error. Reluctantly after asking to speak to a supervisor did it get removed.
Let's talk about the escrow fiasco somehow my payment is going up $200 a month for a shortage, however my insurance and taxes didn’t increase. Their excuse is I need a cushion, which I already have that’s well within the defined amount set by law. However, is I agree to pay the seven-hundred-dollar shortage my payment would not increase. I asked for an escrow analysis to be run several times until magically there was suddenly not a shortage any longer.
There are so many other mortgage companies that appreciate and understand customer service that you can trust to manage your mortgage without having to constantly monitor them to make sure they are not screwing you over. It is terrifying to think how many Freedom Mortgage customers are experiencing the same fraudulent behavior but don’t have the ability or time to double and triple check that Freedom Mortgage is not taking advantage of their customers. I recently reached out to my mortgage to re-fi even if it means paying a higher rate just to get away from this awful company. Please choose another Mortgage company that appreciates your business and knows the true meaning of customer service. We all have numerous choices Freedom Mortgage shouldn’t ever be one of them.
7 years ago
Tom Parsons
Our neighborhood has deteriorated over the last 3 years, so my wife and I decided to buy a home in a nicer neighborhood and turn our current home into a rental. Freedom Mortgage bought the mortgage on our current home about 6 months ago, so we figured a new mortgage with them would be an easy process. We were wrong. So very wrong.
From the beginning we have been asked several times to provide the same documents (tax returns, pay stubs, employment verification, sales contract, etc.) It seems that as the mortgage application moves from 1 step to another, it also moves from 1 department to another, WITHOUT the documents we send them. So, we have sent them the same documents 4 times, each time to be told "We don't have such and such documents, can you send it again?"
Their online document delivery/signature system doesn't work, and they can't figure out how to make it work for more than one applicant, so they shipped our application to us overnight for signatures, except they sent it to the wrong address. We got it 3 days later when a neighbor that lives a block away brought it to us, after he opened it. These are documents with our social security numbers and other personal identification information on them! Did I mention our neighborhood isn't the greatest anymore? Thanks to their mistake we now have to place a fraud alert on our credit reports.
They have refused to give us an accurate estimate of closing costs and have repeatedly told us we will have to pay items that the VA and our state do not allow lenders to charge the buyers. They are also telling us we need to pay into escrow at closing the current property tax bill, due in 2 months, that is for last year's taxes, and enough to cover taxes for this year prior to closing. It is not the buyer's responsibility to pay property taxes for a time period before they purchased the home, it is the seller's responsibility to pay the taxes for the time they owned the home.
Now, 3 days before we were scheduled to close, their agent sent an email stating we will not be able to close on time because they don't understand the documents we provided that prove our income and employment. What's hard to understand about the last 4 years' income tax returns and last 4 months' pay stubs? They now want written and signed statements from us explaining so-called discrepancies in our taxes and pay stubs. I've explained in an email that the so-called discrepancies don't exist and are a result of their mathematical errors, but they still want written and signed explanations. I suspect this is an effort on their part to delay closing since they haven't been able to calculate actual closing costs and provide us with the Closing Disclosure that is required by law no later than 3 days prior to closing.
Now, because of their incompetence and unprofessional behavior, we have to ask the seller for an extension of the sales contract, and hope the seller doesn't object, or we lose the house.
So far, everyone we have dealt with at Freedom Mortgage has demonstrated an absolute lack of knowledge, competence and professionalism. I would not recommend this company to anyone I know. In fact, I've told everyone I know to avoid this company like the plague!
10 years ago
Review Source
Bill Colyer AZ
I recently did a "Streamline" refinance to lower my montlhy payment. After getting surprised by the fees associated I decided to pursue since the rate was lower and lower monthly payments. ~ 6 months into the refinance I get a note from Freedom Mortgage that my escrow account was short resulting in an increase in my monthly payment that is now higher than before spending thousands with them in fees for the refi!!!!
4 years ago
Review Source
Richard Brackin Locust Grove, GA
We have had an overall positive experience with Freedom Mortgage. They have resolved any issues that we had, and the home sale was smooth and easy, they have also followed up with rate reduction offers.
5 years ago
Review Source
Rischelle Mikkelson American Fork, UT
Freedom Mortgage was easy to work with at our closing. Lots of paperwork was made easy. They quickly explained everything we had to sign, answered all our questions, and were very polite. After a few years, they did sell our loan which was a bit of a hassle to transition everything over, but they made it as seamless as possible.
7 years ago
Moises Garcia El Paso, TX
Our original loan was sold to Freedom Mortgage. We been in the process of selling the home since February 2022!!!! They can’t get the right paper work to the buyers title company. Every time we get a hold of someone to help and all seems to be understood on what’s needed. They ghost us!! They never seem to know who was helping us! Horrible customer services can’t get a hold on someone that knows the selling process and paper work needed.
4 years ago
Victoria Sahl Providence, RI
This is the worst mortgage company in the entire world. They are liars and thiefs and go behind your back to nickel and dime more money out of you. Customer service is absolutely horrible. They sound like rude robots and I can not emphasize more how they steal from honest people trying to pay off their mortgage and try and trick you into better payment loans that keep you trapped with them for longer periods of time and then they change the payment behind your back and will not let you talk to a supervisor. Complete trash of a company stay away from them.
4 years ago
C Bill Slippery Rock, PA
They have to worst customer service out of all the mortgage companies I have worked with. They are unresponsive, and completely terrible at following up with their customers. I wish I took the other offer from the other company, and got away when I had the chance. I should have moved my load to my other load company, I will say no names because I am not trying to promote anyone. Be very aware that freedom has terrible customer service and wait times. Days before you get a call back.
4 years ago
Kayla Schwarzrock Fargo, ND
They have the worst customer service ever! We were contacted to do a refi with them. Had to submit the same paperwork multiple times. When there were issues we tried to talk to a supervisor. They refused to transfer us and we were told someone would contact us. This never happened despite multiple attempts by us. Eventually we were told we would have to restart the process due to us not returning phone calls or emails (that we never received).
4 years ago
Jay Prestridge Birmingham, AL
Freedom Mortgage kept sending me information to refinance.When I agreed too refinance, I was told I would receive 2K at closing.When all was said and done,Freedoom was going to give me a check for $118.Plus the deal wasn’t that good anyway,when I canceled the closing,haven’t heard a word from those guys.
It’s called manipulating a poor dumbass like myself,you don’t know you’ve been manipulated until it’s over,be careful.
4 years ago
Timothy H Fleenor Toronto, ON
Worst company I have ever had to deal with. Freedom mortgage is in it for the quick buck more than anything. once they buy your loan they continually harass you to drop your rate even when asked to stop. Their website has had nothing but issues from the start and now I can't even make a password to access it (been trying for 2 days and over 50 combinations) This company is ridiculous, if they bought your loan, i would refinance just to get it away frrom them. I wish we could put in clauses making it illegal to sell to them or others in general.
4 years ago
Sisy Las Vegas, NV
I spoke with Lucinda, a supervisor, at Freedom Mortgage. I hope no one else has the same unpleasant experience. I called in to check the status of a check that I should have received. Lucinda fixed issues she thought were pertinent and ignored every issue I thought was pertinent. Customer service was not poor. Rather, it was inexistent. I had to ask to be transferred to someone beneath her to get my concerns addressed.
4 years ago
dexterlee Austin, TX
Some of the worst customer service I have ever dealt with. My role requires to me to be public facing at time and I pride myself on taking care of people when they need my assistance. Long story short, they approached me about refinancing and then made the process so insanely difficult that I decided to continue to pay more each month versus continue the process. The failures, inability to respond timely and general incompetence were astounding. I would never choose to use this lender again.
4 years ago
Josh Rockford, MI
Amateur Hour - Bad enough mortgages these days get passed around like a spliff. These incompetent idiots never even bothered to ensure their infrastructure was set up enough to accept payments. Could not even log in to their website as the new mortgage number was not recognized within their own database until 7 days after the first payment was due. Now I can't even set up recurring payments. Gee, wouldn't it be nice if there was some kind of government regulatory committee in charge of vetting loser organizations like this from buying these assets up?
5 years ago
Dan Pierce Fargo, ND
Not a good one. Freedom Mortgage was unwilling to work with me . I tried calling in multiple times about a payment discrepancy before due date. Since I couldn't get through to customer service for a week I ended up getting a 30 day LATE, which caused me to lose my 2nd house close to my work. What is a customer suppose to do if customer service doesn't pickup during the pandemic. Think I'm lying you try calling them.
5 years ago
Jeff Lowrie
Freedom purchased by mortgage from another servicer, then baraged me with refi offers. I succumbed to their pitch, only to regret it less than a week later: Over this period, the fees were raised by about $4000 and the escrow amount was inexplicably doubled. The bottom line -- what was supposed to save me about $150 per month ended up adding $900 with the same loan term. It is hard to tell whether they are crooks are just clueless (or perhaps both) but I did not wait around to find out. Run away!
5 years ago
KRose 7 Minneapolis, MN
The money in our escrow was supposed to be paid to the applicable parties in December 2020. We started a refi in February of 2021, and closed in March. Shortly after, we got a notice from the tax assessor that our taxes were delinquent. After doing some research, we found out that Freedom Mortgage didn't pay the taxes in December like they should have been!
In fact, they took the escrow money, and used it in our refi loan. Never once did they disclose that. Now we have to make our house payment, and pay back the escrow that should have paid our taxes! This company is a bunch of crooks.
5 years ago
Gordon Cooke Derry, NH
Absolutely the WORST customer service I have had in 20+ years of owning homes. They asked me to refi, I started the process and then the "fun" began. My "customer advocate" would not return phone calls or emails, when I escalated to the "customer success manager" they cc'd the first person that I was having issues with, ignored everything about the customer experience and just asked for the paperwork that was needed. Screw them, if there were negative ratings available I would do so.
5 years ago
Went Elsewhere Covington, LA
Awful. Every step of the way. They are completely overwhelmed, their systems do not talk to each other at all, there is virtually zero communication and what almost nonexistent communication they try to regurgitate is not correct. They don't even check their own e-mails they sent. A simple refinance (they had the original mortgage!) with tons of equity in the house, great credit, and after two and one-half months they wanted to do the entire loan all over again. You could not make this up.
Don't even bother.
5 years ago
Mona Albuquerque, NM
I refinanced in july 2020 did not close until December 2020. The customer service were not very knowledgeable and not very caring about timeline for closing. Finally after closing I called to set up my payment to be automatically withdrawn from my bank account lets see how that goes will be checking at the end of the month. The person who helped me set my auto withdrawal was very knowledgeable and courteous. Wish me luck.
5 years ago
Richard Lakeland, FL
Worst customer ever. We currently have a mortgage with FM (not by choice) and trying to do a Refinance with them. It going on 3 months and still hasn't been done. You email them...no reply. You call them...nobody can answer basic question, they have to call you back but never do. Finally got the process done and set up signing the paperwork. The rep never showed up for the closing. No call No show. Guess its time to go with another company. This company is a Joke. I highly recommend using another company. Just look at the reviews.....
6 years ago
Gena crowe Fairfax, VA
Horrible experience with Freedom Mortgage. They reported to credit bureau us missing a payment when in 12 years, we never missed a payment! They holds funds in “suspense” and don’t apply payments internally. Funds cleared our bank account before payment due, plus funds show “in suspense” in Freedom Mortgage account, but they don’t apply funds properly. Then they reported us as missing a payment. We’ve not been able to clear-up with customer service or by letters, they just say “I’m sorry”. Yes.. they are a sorry mortgage company for not assisting good customers.
6 years ago
Nancy York, PA
It’s frustrating. On hold for almost thirty minutes and still no answer. They cashed my $800 check after two weeks still not on my statement. It’s been extremely frustrating. Answered review questions and it doesn’t allow you to submit them. Need I say more?
6 years ago
Lana M
They purchased my mortgage from my original lender and I recently refinanced with them. They were great and the defiance was seamless
6 years ago
William H Schiller Jr Slidell, LA
I pay my mortgage ahead, sometimes up to 6 months. It gets applied everywhere but towards the actual payment. Sometimes principal, sometimes unapplied funds, but definitely not where I'm specifying it should go. I then have to call back several times to have it corrected. This has been a constant issue for the last year and nothing I do differently helps correct the problem. I ask to speak to a supervisor and one NEVER seems to be available. There customer service agents apparently can't read well enough to know where to apply it. EXTREMELY unorganized.
6 years ago
Dominique Santa Maria Modesto, CA
Freedom Mortgage offered us a refinance at zero cost to us. Lies. We are missing over $1500 in our new escrow account. Now we don’t have enough tin the account to pay our taxes. It’s 10/22 I have been trying to get this problem resolved since 10/4 when our escrow closed and no response. I’ve made several calls, left voicemails, sent emails, and no one can explain where our money went. !!!!!!!!!!
7 years ago
Tyler martin Newport, MI
I emailed my loan originator 5 days ago to check on my refinance status still no reply I also called numerous times. Then I get an email for an esign it is what I’m paying now and didn’t remove my PMI from my original loan I take it as an insult I think he thinks I don’t know how to read obviously I wouldn’t sign to lose more money on my closing cost!?!?!
7 years ago
So Disappointed Santa Fe, NM
Freedom Mortgage bought my loan from another financial company. Since the transfer it has been one of the horrible experiences I have ever had with any type of financial institution. The customer website does not work correctly and their customer service is beyond rude. I am stuck with one of worst companies I have ever experienced. Please look around and consider other lenders who actually care about their customers.
7 years ago
Ruined credit Henderson, NV
Please do not use this company. They ruined my credit. I made a payment. The representative incorrectly recorded the number. I called the next week due to the money not being taken out. Told no issue. Just found out representative recorded my bank information incorrectly. Now recorded on my credit report as late payment. Takes 5 minutes to get to speak with a live person, then you have to take another 3 minutes to reverify information. Horrible experi3nce.
7 years ago
J Warwick, RI
they incorrectly assessed and paid my previous real estate taxes leaving them to reflect DELINQUENT. They then raised my mortgage $400 and explained taxes went up $3k which is INCORRECT (it is because they are past due from last year and will not pay). They have refused to pay the past due amount continuing the delinquency cycle and still collecting an extra $400 from me monthly meanwhile im accruing interest and fees at my assessors office. FRAUD! I can EASILY manage my bills on my own without this headache and scam! I have contacted my attorney and Better Business Bureau
7 years ago
Kathleen Fuhrman Saranac, MI
Freedom mortgage is currently holding onto thousands of dollars owed to my daughter and her husband for six months now. They sold their house and paid freedom mortgage off. There is a balance due to my daughter and her husband. This company will not let them talk to only representatives and will not even issue them their own notes on their account. They are committing fraud and stealing from consumers. Btw this was a veterans loan.
7 years ago
TJ Walkertown, NC
Piss on Freedom Mortgage. I called twice last month to update my deceased mom's file on a pre-approved signed contract for the sale of her estate. I was told two times the file was updated and no progress was being made to move into foreclosure. Two weeks in I got their attorney notification on foreclosure for the property with a 10k payoff increase over 7 months.
7 years ago
Jamie Ingram Saint Augustine, FL
0 0 0 0 0 STARS .ABSOLUTE SHADDDDDY PEOPLE. I AM I N PROCESS OF TAKING MY BUSINESS ELSE WHERE AND THERE TRYING TO KEEPA LAND SURVEY WHICH I PAID FOR AND OWN FROM ME AS THEY TRY TP HARS SALE ON REFI WITH THEM I WILL BE FILLING WITH OUR STATE ATTY OFFICE. PLEASE CHECK WITH VA BEFORE USING THESE PEOPLE. TRY TO LIE TO ME ABOUT MY CREDIT SCORE TO CHARGE MORE IN INTERST. ON AND ON. LEMON LEMON LEMON… IM TRYING TO LEAVE 0 STARS
8 years ago
Review Source
Jennifer Goins La Plata, MD
I love the way this company answers phones quickly, they have an A1 knowledge based understanding of every product that they offer and for me that goes a long way.
4 years ago
