Terrible company, poor communication. Our loan was recently taken over by them and out of nowhere we get told our insurance policy doesn't cover "wind", both us and our insurance agent reached out to them multiple times to confirm we in fact do have wind coverage in our policy. After multiple notifications of them threatening to buy insurance for us (and charge us for it) if we didn't prove we had coverage and over 30 minutes on hold, their version of "wind" is hurricane insurance. Which our previous 2 servicers did not require and none of their reps seem to understand the difference between wind and hurricane coverage and why it should be more clear in their communications. So now we're out the cost of a hurricane policy all because our loan was sold to this idiotic company. Fingers crossed they offload our loan soon. Dealing with them is terrible and they're a joke. read more

My loan was with Freedom Mortgage. I put in for a refi to get rid of a lifetime of debt. I knew it would be difficult, with some tax issues. I was never late on my mortgage for 31/2 years. Never late on any payments for anything. We had $400,000 in equity. We have five sources of retirement income that couldn't be touched in a bad economy. Someday, somebody will need to explain to us how two Veterans, with everything above, couldn't be helped, especially a company that prides itself on helping Veterans. This rating is for the underwriters. Every Freedom Mortgage rep was professional and worked hard. read more

Freedom Mortgage I strongly advise against using Freedom Mortgage. They misled us with letters claiming we owed $334 and told us the letters were scams and not to pay, even though we were never behind on our payments. Following their instructions, we paid immediately--but they still damaged our credit report by 95 points. They refused to take responsibility and kept directing me to email addresses that explicitly say "Do Not Reply." Over the past three months, they've continued sending certified letters for the same issue. This has caused unnecessary stress, confusion, and financial damage. In my experience, their practices feel like a total fraud and scam. Be very cautious when dealing with this company. read more

They literally have loan originators orchestrate delinquent loans, then transfer them after activating another person's deceased identity......then YOU live with that person's identity similar to yours. Well played......I mean look at all the lawsuits they are hit with. I have a ton of disturbing images of these fraudsters who committed these acts. read more

Freedom Mortgage - Mortgage Brokers Near Me - Carlsbad, California

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If I could give zero stars, I would. My mortgage was sold to Freedom Mortgage, and they called out of the blue stating they had reviewed my account and wanted to lower my interest rate "Free of Charge" as a way to "keep me in their portfolio". Sounds too good to be true, right? It is and was. Instead of being "Free of Charge", the 'lowering of the interest rate' is actually a Refinance, but they don't/won't tell you that.. And, they add the "Closing Costs" associated with the Refinance to the back end of your mortgage. That's NOT "Free of Charge", and they don't tell you until they have to that it's a Refinance. As an example, in 'lowering my interest rate', they charged $6,252 in Closing Costs and tried adding it onto the back end of my mortgage, thus increasing the outstanding mortgage loan balance from roughly $523,000 to over $530,000. That's not Free of Charge. They are dishonest and deceptive in their practices and do a ton of double speak to try and keep you from noticing the fine print. Don't walk away from Freedom Mortgage ... RUN! read more

If I could give them NO STARS? I would. Suffice it to say that 3 mos after they bought my mortgage? I found a way to leave them behind and keep my house and credit. read more

Update 3 years later, still the WORST!! I did an assumption (from myself) and now I have to call in every month because they have locked out my online access saying I can't have an account because of an assumption. So now everything is paper based and I have to pay over the phone or wait for a statement. I can't check balances, I can't check due dates. Wtf. read more

I'm so disappointed with Freedom Mortgage. Our mortgage has been sold multiple times, and I've dealt with numerous mortgage servicers over the years. When this mortgage was taken over by Freedom, we received a notice that we were required to have insurance on the property. We do. Why didn't our insurance information carry over from our prior servicer, which is the usual process during the transfer, and if not, why didn't they request the information from us as a new customer? I dealt with that issue. Now yesterday, we received a $7,287.87 escrow bill in the mail. I expected to owe some additional amount in escrow ($1,742 per my calculations). I eventually discovered that they overpaid our insurance company by $3,523! Now, to fix this issue has involved horrible customer service and being disconnected. And getting to a human is very difficult. Getting back to that same person (even with her name and extension) is impossible. read more

This company has zero employees who know what they are doing. Pay close attention to your statements, they will rob you blind and hope you never check. read more

Too bad 1 is the lowest rating. They have screwed up my escrow account so bad and trying to speak to anyone here that has a clue is impossible. Paying money into an escrow account that is going to be closed just so the can refund it once it is closed is insane. And they can't review that to clear up their mistakes. If I could refinance this loan, I would. Can't give up the interest rate. read more

Part 5: After calls and screaming the principle was Adde to my account with unknown fees deducting. Please see the attached files I requested payoff. And see the result of charging me Debele interest on the attached file. Contact me if you like the files and proofs. I will try to upload here. read more

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Watch out. I recently made a payment online as I usually do. Checked the email and it said I made 2 payments. I canceled the one right away and even received an email verification that it was successfully cancelled. Next day 2 payments came out of my bank account. Spent hours on phone with Freedom mortgage and my bank. Freedom was supposed to return the one payment. Over 2 days and still no refund. Was told it's been happening often with their new app/software. Terrible and I feel they're being quite dishonest. read more

Tried asking why they were double charging me for escrow and their only response was you have to pay escrow. Absolutely terrible customer service, not only were they rude but they were also terribly hard to understand. read more

My wife & I own several homes & 3 of our mortgages were transferred to Freedom Mortgage and it has be a pain dealing with them. Recently the escrow amount changed so understandably the payment went up. Well one of the mortgages my wife had set under auto-pay from our bank account and she turned off the paper bills in the mail(so we never received a written notice). So she did not realize that the payment was a $150-$200 short due to escrow increase and instead of calling us to say that it was short they filed a 30 day late on credit report which dropped the credit down 100 points. 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 out other loans. Keep in mind that we have never been late on any of our loans. Freedom Mortgage only cares about profit, they do not care about their customers. read more

Lies and more lies. Stay away from this mortgage company. Everytime I called, I got a different story. read more

They don't care about the clients or their staff. They cheat the workers out of bonuses, so the turnover rate is insane! They are constantly hiring due to unrealistic expectations, so new people have no idea what they are doing! It's the management from bottom to the top that will cause this business to fail! read more

Purchased my loan from Equity Prime Mortgage. Payments have always been set up On the 22nd of each month due to when the SSDI and VA and teachers pay hits. Now this company won't honor those moving forward instead charging late fees. Will not let the auto pay be set up. Have to do manual pay each month. Customer service is rude and does not help. 100% disabled vet and this company is horrible to work with and does not support its military or honor its word at all! read more

I am a customer with freedom mortgage but I will never again. I thought they were good with the refinanceing when the rate were dropping. But that just extended the loan . Now I that I have a lot of equity in the house can't touch it because they want to refinance the principal which would double my mortgage. They suck Why not just offer 2nd mortgage or home equity loan but no they want to screw you read more

They gave me a incorrect escrow statement with an Incorrect schedule. when I asked them to correct the schedule, they would not. this was in addition to them making an overpayment on my taxes which is the reason my escrow got messed up in the first place. do not recommend. read more

Criminal and predatory: https://www.bizjournals.com/philadelphia/news/2019/06/06/cfpb-freedom-mortgage-fined-1-75m.html http://portlandobserver.com/news/2020/nov/03/lost-fraud-and-deceit/ The case led to the family's claims against the Freedom Home Mortgage Corporation, and the Mortgage Electronic Registration System or MERS, a creation of some of the biggest lenders in the banking mortgage industry to avoid having to record property deeds and titles when a loan is bought and sold. MERS was called a racket that made it difficult for people facing problems with their mortgages to know whom to deal. Multnomah County and the state of Oregon sued MERS for not following Oregon law which requires the recording of trust deeds. The county won a $40 million settlement against MERS in 2016 to recover lost revenue from fees that would have been paid for recording property transactions read more

This company miscalculated the original mortgage. Without any notifications over two years suddenly decided to send us a letter in the mail saying we owe over $10,000 to pay off over several months. Unacceptable mistake. read more

My Mortgage was sold to Freedom, idk why, we have great score, pay on time, Freedom is a step down to HELL national mortgage service company, you email them, they don't seem to have anyone overseeing emails or just don't know why I am emailing them asking where the 1098 is when they email me stating it's ready 2-3 weeks ago! this was just the recent problem, plenty more, sure you'll learn more reading other reviews! read more

I can't wait to refinance and get as far away from freedom mortage as possible. When you speak to representatives you get completely different answers. They keep you in the dark on areas that will benefit them financially and hurt you extremely bad financially. It's a terrible feeling. I want to help first time homeowners by writing this. Try and go with a different mortage company. Anyone else experience discrepancies and untrustworthiness? And any advice? Thank you. read more

If you want to wait 120 days to refinance and have a staff that is clueless, this is your Mortgage company. After 90 days I started calling to see what to hold up was and they seemed just as clueless. They even got my closing wrong 3 times. It was a horrible experience and after I finally closed I received an email asking about my experience. One of the questions was would you speak negatively on social media about us? I answered yes and stated I would like to speak to someone about it, but Instead I have been ignored and found they sold it to another lender. I know this is common, but not when I was refinancing. I highly recommend you use someone else unless you like a company that is full of BS! read more

I refinanced my home with this company in November, so I wouldnt have to pay that month. They promised my Mortgage would start in December. I ended up double paying my Mortgage in October, and contacted them immediately to rectify the situation. They told me I would be reimbursed and should recieve a check in the mail. Instead of refunding my money or moving the payment to December, they took it upon themselves to use my money for November. They said there was nothing they could do as they had already closed the old loan with November's payment. Mind you, this is right before the holiday. Don't trust this company. I will be changing my mortgage company ASAP. read more

Absolute worst mortgage company Ive ever dealt with. Refi took 3 months to complete, no communication whatsoever. No phone calls returned. They owe me a couple thousand dollars and are not in a big hurry to refund it. If I could give them zero stars I would. Will not be renewing my loan with them, even if they paid me read more

This company is a scam and practices deceptive practices even with their customers who are up to date with payments. They have taken over 2.5 months to close a simple VA IRRL refinance. When you call expect to waste at least 2 hours of your day being transferred and hung up on, having to repeat the same information on a continual basis and them not being able to provide answers or give contradictory information. Look elsewhere to save yourself the stress. They do not value even their most loyal customers. read more

Absolutely trash!..My wife and I applied in December 2020 to refinance our existing Freedom mortgage loan. Since we both have a 800+ fico score it was approved quickly. It has been 6 months now and still hasn't closed! We've signed countless documents over and talked to different people every time. Today they called and wanted to run a credit check again! No way! I feel they screwed us out of getting a better rate somewhere else. RUN AWAY FROM FREEDOM MORTGAGE!!! read more

DO NOT USE FREEDOM MORTGAGE! Reach out to your real estate professional for advice on what lender to go with. Get personal recommendations. This company has caused a lot of problems for my clients. They are terrible at communication and will leave you hanging. read more

Worst organization to work with. Their customer service department will be rude whenever you call. Supervisors and managers have the same unprofessional attitude and you will be lucky if they are paying attention to you. If you have an event that requires insurance assistance and a payout...good luck with getting your funds released in a timely manner. If you are choosing a mortgage provider pick any other one. They purchased my load so I am forced to attempt to work with a subpar organization. read more

Literally the WORST Mortgage company to deal with. Horrible customer service. Call one day, get an answer. Call the next day, COMPLETELY different answer. At all cost. Stay away from this company. read more

Freedom Mortgage San Diego should be ashamed of the customer service (or lack thereof) they are providing  to military families.  I recently contacted Freedom to do an IRRRL Streamline Refinance for a VA loan I have with them.  The process started out like any other refinance I've done, until the day I was due to close they cancelled the notary without telling me or giving me a reason.  It took me 7 days to finally get a response from the loan officer.  It happens that my last month's payment and an escrow error on Freedom's end is sitting in unapplied funds.  At this point I have escalated the matter to a supervisor who instructs me to hold off on making my payment until the escrow analysis is complete.  She assures me the issue will be resolved and will not negatively impact my credit or show up as a late payment.  One week later, I  get a negative credit report notification!!!  I've now been trying to work through this issue with Freedom for 4 LONG WEEKS.  They have not resolved the billing issue or the negative credit report.  They have repeatedly told me they would resolve the issue and get back to me and almost a week passes by before I have to contact them again. DO NOT buy into all this nonsense about how great Freedom Mortgage is and how amazing their customer service is.  I know I am not alone as this has happened to other veterans who previously banked with Freedom. read more

Worse mortgage company you could possibly have. Had three mortgage companies prior without any issues. Freedom Mortgage purchases my mortgage and my life became a living hell. They charged me a bogus $2,700 for property insurance. I informed them that my condo's HOA's insurance policy covers my property insurance and that was sufficient to the three previous mortgage companies. They told me my policy doesn't cover improvements, I told them I didn't have any improvements. This went on in circles for a month. Finally a representative said I didn't have to pay for insurance. Then I find out they too $2700 out of my escrow without me knowing about it. Be ware. Stay away from Freedom Mortgage!!!!! read more

Freedom Mortgage sucks. They have been working on my refinance for 6 months and just can't seem to get it done. This is for a slam dunk 30% loan to value that should be a no brainer. They have asked for all my Financial information THREE TIMES, every two months. Now they are asking for all of my data a 4th time. Other than the entertainment value of the betting pool for how long it will take them to complete (including side bets on how long before they find an excuse to drop this whole charade)I would have aborted working with Freedom mortagage awhile ago. I wish I had never engaged with Frededom Mortgage on my refinance, and advise people to stay away from these idiots. What makes it so painful is the never ending requests for the same information, and even worse is the "secure" communication every week that requires you to go through a bunch of steps to electronically sign a document that basically says because they are incompetent that they will likely drop your loan request. Avoid Freedom mortgage, I'm convinced any alternative will be better. read more

BluFi cost me thousands of dollars and nearly lost me the condo I was purchasing. What ever you do, don't go with BluFi lending. The property had approval and I was working with BluFi, but numerous times mistakes were made and even after contacting the manager of the entire office, very little was done to rectify the mistakes. After contacting the bank myself the process continued only to be halted again as I was told there was not enough owner occupancy to get the property. Mind you this was already over 30 days into the loan process and not only was this completely incorrect, but how in the world did it take them so long to figure this out? They have a 21 day closing guarantee, which is not a guarantee of anything since it took about 40 days for me to get to the point I fired them. On top of this, the person handling the underwriting quite literally refused to write me back or call me back after a week and at least 10 calls to her office and cell phone. As I said, they were incorrect about not being able to sell a property with low owner occupancy so I am now with a great lender and have close within about 18 days. Unfortunately loan rates have skyrocketed and because of the delay caused by BluFi, I will be paying about $200 more a month on my home loan. On top of this it delayed so long because of them I missed an important family reunion which was booked for almost a year. *Edit: Was contacted promptly by a number of people at BluFi. They offered an apology and compensation which I found to be very professional. read more

AWFUL AWFUL AWFUL company. Caliber sold my loan to these idiots in March 2020. I have called 9 times and spent an hour on the phone with them each time trying to correct a reporting error that they know is on their side, but they can't even figure out how to use their own system. So in the mean time, I keep getting late notices and threatening credit and forbearance letters. I have never paid a mortgage payment late in my life. Not even a day. Getting ready to make my 10th gut wrenching call to try and fix this, but I already know the result. I would live in a van down by the river before I would ever use this company voluntarily. I wish that Yelp had a Liar Liar Pants on Fire selection. Wy do companies like this even exist? read more

Stay far away! Nothing can be done online and their customer service reps can't help either. All they do is try to get you to keep refinancing with them. I have great credit, never miss a payment and pay extra on my loan. I am in the process of refinancing with another company and they have been trying to get a payoff statement for 2 weeks. I feel like I am being held hostage by Freedom Mortgage. Do not let this happen to you. read more

Horrible company! I am in the process of refinancing my mortgage and the experience has been nothing, but frustration. The process is now in limbo. Their staff and customer advocates are unprofessional. There is clear and absolute lack of coordination that becomes glaringly apparent when you talk to different people in the company. They give conflicting information. They don't seem to care. The lack of interest and knowledge and the lack of coorfination I saw, has erroded any trust and respect I had for the company. Spare yourself frustration. Find another mortgage company that values your business! read more

They were the only company that would talk to me about refinancing my mortgage due to my credit at the time. In fact, they had approved me for a refinance. However, the terms of the deal constantly changed. The person I initially dealt with went MIA on me. Every time I called to speak to someone the story changed and could never get confirmation of the original deal that was promised. The people that you talk to either don't listen or don't write down what you say. Very unprofessional. I guess I will just continue to work on my credit and try a more legit and professional business. read more

I was taught not to curse or use BAD WORDS, so this will be short. Stay away at all costs!!! They still call and leave no message. I Guess they are still trying to harass me for a past bad review. BEWARE!!! read more