Unfortunately, due to the rising costs of gas and groceries, we pay our mortgage towards the very end of the month it is due. I had called to talk to them regarding my payment, and was told because the last day of the month was On A Sunday that I had until 1059 Eastern time the next business day to make the payment, well that wasn't true and now our fico score took 120 point nose dive . When speaking with them after seeing this, the woman on the phone proceeded to tell me that our payment was 32 days late. Which I don't agree with, but doesn't matter. They don't care, like a lot of big corporations, knowing that Americans are struggling they don't care. By the way, this isn't the only negative experience I've had with this company. I wished our mortgage hadn't been sold to them. read more

FM acquired my loan from Wells Fargo, where I previously had no escrow issues. After the transfer, I noticed that fm failed to include escrow, and claimed that they could not locate my taxing authority. (The two lenders before them had no issues) I made several phone attempts to resolve the escrow situation. Each call ended the same, "we will conduct an escrow analysis and contact you" (never happened) Sensing that something wasn't right, I began saving on my own, glad I did, because when the next property tax due date came, fm sent notice that they paid my property taxes and I was more than $10.000 delinquent. FM estimated that my mortgage payment would increase by $900 to cover shortage. FM seemed disappointed when I informed that I had the money to cover the taxes. However, fm still increased my payment by $400 citing property tax and insurance increase. (I disputed to no avail). The issue with fm caused me stress and sleepless nights and rather than be at their mercy, I used a portion of my children's college savings to pay off my balance and have slept peacefully every since. It is my believe that fm intentionally manipulated my escrow to get more money out of me. I would recommend avoiding this company and their unethical practices. read more

Terrible customer service, they offered me a lower rates then led me down a wild goose chase with the loan officer not responding to my emails for weeks at a time. By the time he got back to me after running my credit, wasting weeks of my time they are like oops that offer is not available anymore. Absolutely crazy, the whole delay was caused by Devin Patricks horrible response time. read more

Requested info on getting a HELOC loan and at what interest rate they offered and got nothing in return. They wanted me to fill out a loan app. that would have placed a hit on my credit of which I said no all I wanted was at what rate would the loan be at, no response. Another issue I have is the continued rise of and needing to pay the rise in escrow fees. Its gone up for the last three years now and it has me worried. They give no explanation and I think I'm being scammed due to so many lawsuits against them. Buyer beware. read more

Avoid this mortgage company!! They never answer the phone and they have terrible customer service!!!!! I suggest you use a different mortgage company!!! read more

Dishonest. On multiple separate occasions they lied on refinancing closing costs. But worse than just lying, they tried to hide the actual closing costs by using accounting tricks. The actual closing costs were $8,000 more expensive than what they quoted me and they hid those costs so I wouldn't see them. read more

I was contacted by multiple representatives from Freedom Mortgage, including Ryan Forbeck, Eric Tonia, Justin Kuo, Lucas Chestnut, and Michael Doncsecz, but none of them ever responded to my follow-up calls or emails. Their lack of responsiveness and communication is not only extremely unprofessional and strange but it was a crystal clear indication to take my business elsewhere. You were warned -- stay away from this scam company. read more

I forgot to mention that they refuse to correct my credit report... the letter they sent (and this has been going on for years.) Yhey font send you what's requested and continue to harass and bog you down until you forget.They also foreclosed on my house in March 2024 after reporting ONLY (possibly November/Dec 2024, Jan 2024, Feb 2024 as (30,60,90) and the only way I found out is bc of my credit report I then questioned how they were legally discussing fiduciary matters with myself if they no longer own the account? No response. I have actually paid several more payments each month. I've asked them to remove junk fees, clean up their fees/not accurate and they had me convinced I was on a medical forbearance /diagnosed with stage 3 cancer/Advanced/Aggressive/Invasive/ metastatic to lymph nodes. I had to cancel chemo bc k found out there was going to be a sheriffs sale at my house, 8 am. I've submitted FOIA, QWR, read more

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Worst mortgage company ever. Have had several mortgages. Dozens actually and paid off all but two. One which was bought by freedom. Last year they miscalculated my escrow costs. Because they added in double the insurance costs. Driving up my payments by over $200.00 dollars. They never even caught the fact that they paid for insurance twice until my escrow was finally done in February. And even then it was I who had to demand the money back from the insurance company. This year the insurance company decided not to renew my insurance. But neither the insurance company or freedom mortgage notified me. The insurance company claims they did. And Freedom knew on Jan 9th my policy would not be renewed. But didn't bother to send me a letter until a week after the insurance lapsed. Poor Servicr by both Freedom and the insurance company they recommended yet they send me aggressive marketing texts and emails daily. Escrow analysis is terrible. And they could care less than the insurance company charged them twice. read more

Incompetent, multiple errors with my account. They have twice paid a homeowners policy that is the incorrect policy. When proof of payment of homeowners was provided, they paid it again. For a financial services company, they are completely financially incompetent and have mis-managed my money multiple times. And, by the way, when they make a mistake like double-paying your insurance, they take no responsibility in correcting it. If and when you can finally get through to the right office to talk to someone the answer you get is it's up to YOU to go get your money back based on THEIR error. read more

terrible communication and customer service! they will mess around long enough for your seller to cancel the contract so they don't have to have your business! we were a month past original closing date and they were still asking for new forms to be signed 3 weeks later. very disappointed and will never ever recommend this company!!! read more

I have been trying to get an assumption going for over 2 months. When I call, they tell me there is no one I can talk to. They tell me how busy they are and say they will put a ticket in For 2 months, I have been calling weekly.no one will return my call. They are financially hurting us now by dragging this out. I have tried everything I can to get someone to help me, and it's always the same. Maybe it's time for a lawyer. I have had enough. read more

Tried to refi with this company. It is almost parody how bad they are. Never answer or return calls. They give 3 different emails where to send paperwork, and they either do not receive it, or they drag their feet with it. I don't think I will get to close and I give up. This is beyond stressful and my nerves are on edge. Even after emailing a VP of customer service Alam Muneer they are still unresponsive. I'm a veteran and my loan is a VA loan. This company doesn't give an F about me. I'm going to have to spend thousands more applying somewhere else restarting the process. I can't even sleep with this stress. read more

Just found out these idiots sent paperwork to my mothers insurance company stating they where her new mortgage company and to switch everything over to freedom mortgage as the loan company. They did this without ANY authorization from me or my mother!!! We never signed anything read more

Oh my goodness. I just arrived at the review for these people and it's so disheartening to see all the same complaints, similar to mine: I've been trying to get my VA loan streamlined for over two months now. I' ve been told to call back each week for about three weeks now. Basically, after getting the runaround with no real answer on my loan. I just got off the phone with the most rude, incivil rep so far. She was from the Loan department and I've had it with these guys. I'm not pursuing another company for my streamline. I don't need to be treated like I'm a child and verbally abused because I'm following the directions they gave me. This place is a joke and will not be around much longer of they keep up their incivility toward their customers. read more

I inherited a home that has a mortgage through Freedom Mortgage. I will never deal with this horrible corporation again! All documents needed to assume control over mortgage has been sent in over two months ago. I am trying to get a pay off balance and I get a mantra of a missing document. Over and over, they have to talk with a manager and low and behold, all documents are there! Okay, pay off statement, plz! Okay...call back a few days later and it is a repeat. We need that last document. No, you have it! Since April! Okay, let me talk to my manager...over and over. Wtf! read more

My Loan was bought and transferred to Freedom Mortgage, I am trying to create a username and password with Freedom but it's website can't recognized my loan and info, and no one answers my phone calls. I don't believe they are the #1 loan servicers in the USA according to it's website, just false advertising, don't fall for it, avoid like covid! read more

Freedom Mortgage did not refund $85 in fees inappropriately assessed as monthly NSF fees assessed for returned ACH payments. Upon the death of the mortgage holder, the mortgage holder's ACH bank account was locked. As estate personal representative, I promptly informed Freedom of the death and serviced the loan with on-time monthly mortgage payments until the property was sold. Subsequent phone call communications with Freedom Mortgage "Customer Care" representatives stated that the NSF fees would be waived as mortgage payments were made in timely manner. Upon sale of property and mortgage pay-off, $85 in inappropriate NSF fees were added into total amount required. Bottom line is that Freedom Mortgage did not do what they said they would do. The mortgage was serviced monthly on-time. This was an inappropriate assessed fee on a deceased person's estate. read more

This mortgage company started off being very helpful with my refinance. However, we ended up with two failed closings due to a misspelling on our deed. Freedom Mortgage made many promises to make the necessary changes and get us scheduled for another closing, but nothing ever happened. We continued getting the run around from their customer service department and somehow I suspect it has something to do with them not wanting to honor the interest rate we were quoted. I have never had such a nerve wrecking experience with a mortgage holder. Buyers please beware! read more

Avoid this company at all cost! They have the worse representatives/ customer service. My son and I are in the process of purchasing a property, this is our first business venture together. Unfortunately, we went with Freedom Mortgage because they seemed like a legitimate and reliable company. HOWEVER, after providing all of our personal information i.e. social security number, yearly income etc. we were preapproved and this is when the NIGHTMARE started. Once preapproved a customer would normally receive a preapproval letter to shop. This was not the case. Bruce Greenwald the loan officer made us jump through hoops to receive the letter. He requested additional documents - information usually needed when a property is under contract and when a client is dealing with an underwriter. I mean he requested everything other than the kitchen sink. Last 3 years tax returns, a letter from employer, current mortgage statements, bank statements- the list goes on, so it delayed the process and put us at risk of not having the information needed in time to put in an offer on a property that we already had our eyes on. I had no other option but to contact Bruce's supervisor Carter Murdoch for HELP. After speaking to Carter Murdoch and explaining this unnecessary stumbling block to him, he agreed that the preapproval letter should be granted and we received the letter instantly. I went on to tell Carter Murdoch that we no longer wanted to deal with Bruce Greenwald going forward and asked if he could assign someone else to us and he said he would. Fast forward... We found a property and put in an offer- It was accepted -we were happy... Everything seemed to be working as planned. We contacted Freedom Mortgage and was told that Bruce Greenwald was still our loan officer. Ok, we figured we already had an issue in the beginning, maybe we can work together and the customer/representative relationship would be improved- this could possibly give Bruce Greenwald the opportunity to redeem himself. NOPE! We informed Bruce Greenwald that we found a property and got an accepted offer. Bruce Greenwald then went one to say that the initial rate he gave us under the preapproval increased from 3.5% to the mid 4%. (Round about percentage.) We said ok, and just decided to continue with the process. We gave Bruce Greenwald all the requested/required documents and waited, and waited, and waited. We emailed him several times, called him several times to no avail. We got NOTHING, but an automated response staying that he was out of the office. Then finally we received an email from a Michelle Emma who stated that she needed all of our documents again because she did not have them. All I was thinking was, who is Michelle Emma? I thought maybe Carter Murdoch acknowledge our initial request and changed our representative. I mean, we never received an introductory phone call- nothing. Just a woman emailing us stating that she needed our paperwork. The same paperwork we provided Bruce Greenwald. I had to look at the closing of Michelle Emma's email to obtain her title- Loan Processor. I could not believe that I had to resubmit all of my documents again. I called Michelle Emma repeatedly, but she never answered my calls. I emailed her and told her that we gave Bruce Greenwald everything and I got nothing in response. I had to contact Carter Murdoch again, and ask him to assist me with the issues we were having with this company. It is now September 29, 2020. I am waiting to hear from Michelle Emma. The Title Company that I'm working with is waiting to hear from someone at Freedom Mortgage to let them know when the expected closing date is BECAUSE they have tried to reach out to Freedom Mortgage as well and got NOTHING. This in turn caused a delay in the original closing date and now an extension has been put in place. We have not heard from anyone at this company. The only response we received was an automated email. The company slogan states "As a customer of Freedom Mortgage, you deserve outstanding service 100% of the time." This is far from true! I understand that people are buying, refinancing and completing all sorts of mortgage applications during this time. However, all it takes is simple communication - answer the phone. Respect people documents and time. This is experience was unwarranted. I hope and pray that we close on this loan ASAP. I feel like reporting my experience to the BBB was my only recourse. This process was also time consuming and annoying. Hopefully after reading this review you will take the necessary precaution before choosing Freedom Mortgage as a mortgage provider. SHOP AROUND read more

If I could give a negative star I would. Never, Ever use this mortgage company if you have a choice. We applied to refinance our beach house, which they already held the mortgage on. We thought it would make it easier that way. We were so wrong.!!!! February 24th, 2021 we signed the application forms and on June 1, 2021 we still have not closed on the loan. They have poor communication, don't answer the phone and rarely answer emails. I spent so many hours trying to get anyone to respond to me. They kept sending us documents with our primary address as the property address. I would respond and tell them it was the WRONG ADDRESS, no answer. Someone would tell me they fixed the address and the next month. The same document would be sent with the wrong address on them. Do yourself a favor. Go to a better Mortgage Company. I Wish I could but by now the rates have gone up and I just want to close on this loan. read more

Freedom bought my mortgage and screwed up right from the start. I made a payment, then checked to be sure it was credited correctly, it was not. They put it all on additional principal and showed I still owed the regular payment. They did fix it, after a phone call, a few days later. If I hadn't caught it I would have been behind a payment and my credit would be shot. I keep my own amortization table and it was within 1 cent until last month, now it shows I owe $800 more than I really do, on principal. I'm paying off this mortgage in January, to get away from these idiots. I wonder what they will say my payoff is. read more

Taking many months to close a simple refinance to lower apr for veteran. Disabled veteran in Japan using PAO being taken advantage of during this crisis. read more

Horrible company with even worse communication. Our Loan Processor, Kalev Saarna, would not return phone calls or emails from the consistent problems to arose with spelling errors on the company's part. Would never do business with this company again or recommend them to anyone. read more

Freedom Mortgage is the worst mortgage company I've ever dealt with. They have employees that lie to their customers. I called to ask a simple question and after pushing multiple prompts and entering all my information multiple times an agent would come on the line and ask me for the same information all over again only to tell me he had to transfer me to another department and then the process would start all over again. Needless to say I got bounced around from agent to agent and never did get my question answered. This company has been nothing but trouble from the beginning and I should have know better than to even deal with them. They have the worst customer service/agents who know nothing so they have to keep passing you around with a blind transfer. And don't even get me started on the sales reps....once they get the sale don't even try to get in touch with them cause they will ghost you in a second. And their website is so un user friendly but don't even try to get any help with it. read more

This company has a blatant disregard for their customers. I hold my current mortgage with them and they made my refinance such a nightmare that I canceled the application. We began the process 10/2021 and as of yesterday was still asking for information. I mean to the point where they wanted to know how did we sustain ourselves through a hardship...it doesn't matter how, it matters that we did and were never late on a mortgage. They were asking about stuff that happened BEFORE we even bought the house...like if we were able to buy why is it an issue now? I am a Veteran and they treated me like they had to give me the house and pay for it themselves. I am so hurt and disappointed. I spoke with a loan officer in October and he NEVER communicated with me since! He refused to call me back or respond to emails. The loan coordinator kept making excuses for him. I am looking to refinance with ANYONE else just to get out from underneath these people. DO NOT USE THIS MORTGAGE COMPANY read more

This company called me today asking what they could do for me. I was confused because I did not recall calling them. I stated that I was already refinancing with a company and that I was in the underwriting phase, and besides I had already paid for a appraisal and I didn't want to have to pay for another one. The screener proceeded to tell me that it was not too late since I hadn't closed, that an appraisal was free with them and that they could offer me a better rate, even after I disclosed my credit score. I decided to go ahead and see what they could offer me. When the loan officer got on the phone, she proceeded to ask me the same questions the screener spend 15 minutes asking me; and I immediately became annoyed. She said the appraisal was not free. First lie! She tried to convince me that I was making a poor financial decision and that a 30-year mortgage was better for me. She spent this time interrogating me about my credit history (remember I had already disclosed my credit score to them) and shaming me on my retirement savings and credit card debt. On top of everything else she was being sarcastic trying to disparage the financial company I did choose claiming she hadn't heard of them and that I was in underwriting for two months, implying that I was not going to get the loan. (Note: I started the process with my financial company on Oct 26). In the end they never disclosed what they were offering me insisting that I had to make an appt with them so that they could present to me the terms "in person, in black and white". I finally had to hang up as there was no rationalizing with this women. She was rude, sarcastic and downright disrespectful. I did not call them, they called me. I am shocked that anyone would talk to a person they were looking to do business with in this way. They prefaced every rude comment by saying they were trying to help me. It was downright disgusting as I saw right though the facade. Their only interest was trying to make money off of me. Be forewarned when dealing with this company. Mortgage companies should disclose the terms of the loan upfront. It's the law! read more

Horrible experience. Went with freedom mortgage because they currently hold my mortgage. I didn't choose them, my mortgage was sold to them. I began a refinance with them in January 2022. I wanted to refinance to get PMI taken off my existing mortgage and to get my husband on the deed to the house. They said "no problem ". I submitted all the required documents. The loan was approved. Made contact with the notary the day before, only to find the documents had my husband's name misspelled and we couldn't sign. Freedom mortgage blamed me, even though I had submitted a copy of his passport and drivers license. Clearly they showed the correct spelling. Contacted freedom mortgage and they said they'd take care of it. Later, they said it was taken care of and again my loan was approved. Contacted again by the notary again for an appointment. As he drove to the house I asked him to check on the spelling of my husband's name. He did, it was still wrong. I contacted freedom, and they said they'd take care of it. Third time. Notary came to the house. My husband was completely removed from all documents. This was news to me. I didn't sign. Contacted freedom mortgage for clarification. They said there must have been a miscommunication, and they'd have to look into it. They then started asking for documentation that they hadn't asked for in the three previous approvals. My personal opinion is that rates started going up, and they didn't want to honor the rate they were locked into. I would NEVER do business with this company again. Unfortunately, they hold my mortgage, and since rates have gone up, I'm stuck with them. I'm getting out as soon as I can. read more

AVOID! AVOID! AVOID!! Not only do they have the worst customer service, their business practices are predatory to say the least. Scott Levine contacted us multiple times regarding a VA loan rate reduction and after reviewing our existing loan and noted that I am a 100% disabled veteran and would not be required to pay the loan origination fee. I called Scott Levine again (within the 72 hour cancellation time frame) and left a second voicemail. I subsequently followed up those voicemails with three (3) additional emails (after the 72 hour period). I contacted Freedom Mortgage customer service and after 2 hours and 57 mins, I was told that I should have stopped our signing, sent in the cancellation form, or called another customer service number - and the VA loan origination fee would remain on our loan. By continuing to require this fee, Freedom Mortgage has essentially absolved Scott Levine (an agent of Freedom Mortgage) of any responsibility to answer my calls, return my calls, or respond to any of the emails that I have sent; thereby creating a predatory lending practice at the detriment of disabled United States Service members. read more