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Freedom Mortgage Corporation

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Reviews Mortgage Banker Freedom Mortgage Corporation

Freedom Mortgage Corporation Reviews (1665)

Review: Company has failed to pay 2nd installment of property taxes for year 2012 in a timely manner. My husband and I have received a delinquent tax bill. I faxed over the delinquent notice and called on 12/17/2013. This bill has still not been paid. I called and had this information escalated on 12/30/2013. I called and had this information escalated again to a manager on 1/9/2014. Then I e-mailed customer ser[redacted] to have a ticket submitted. Acknowledge: Urgent - Delinquent Property Tax Bill - Please remit payment asap - Loan [redacted] { ([redacted]) I just now 1/13/2013 called again and customer ser[redacted] said they would send this over to the Tax Department to be paid. This should have been paid in 7-10 business days and it is still not paid. This needs to be paid. We would have liked it if our names would not appear in the newspaper.Desired Settlement: I just want Freedom Mortgage to remit the property tax that are delinquent. That is why we have an escrow account with our mortgage loan.

Business

Response:

[redacted], I reviwed the escrow history on your account and I do show that the tax bill was paid on 1/15/14 in the amount of 2224.32. The penalty was paid by us and not from your escrow account. I am sorry that the bill had not been previously paid but it seems that the tax ser[redacted] did not pick up the amount when it was initally due. The escrow account is set up to pay the taxes twice a year so you should not have this issue going forward. Please let me know if there is anything else I can assist you with.

Sincerely,

Freedom Mortgage Corporation

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Regards,

Review: I have been given the run around for a mortgage to buy a house for 70+ days. I have a contract to close in 30 days as per the agent I was working with. I was told the loan was good and given a letter of approval for $70,000 dollars but I only wanted to borrow $54,500. I have put over $8,000 cash dollars into repairs that the appraiser said needed completing. This was based on being told everything was going good and they were waiting on the under righter. Now the seller is saying that he is going to have to put the house back on the market if this is not settled soon.

I have emailed and left voice messages for [redacted] at Freedom Mortgage, but cannot get a return message.

The loan is supposed to be a ** loan and I hope you can help in some way so I do not lose my $8,000.

Thank you in advance,,

[redacted]Desired Settlement: Close on the loan so that I don't lose my $8,000.

Business

Response:

I do apologize for the frustrations you have been having with the mortgage application. There were a number of things that needed to be verified before we were able to close the loan. Those items were wrapped up and the loan went to closing on 8/19/13. please let me know if there is anything further I can assist you with

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Freedom Mortgage contacted me to refinance my loan to a lower interest rate. Throughout the whole process I was met with constant adversity and terrible customer service. There was terrible communication. Phone call would go unanswered, emails would go unanswered, and when I did get a response it was a few words in one line, no apologies or explanation whatsoever. I was hit with 4 separate fees that shouldn't have been charged and had to fight to remove them. Again, no apologies or explanations.
Overall, it was a very negative experience and I would not recommend freedom mortgage to anyone.

Review: We have an ongoing issues with our mortgage company and our tax assessment. The City of Philadelphia previously sent the wrong tax information which increased our mortgage $1,000 each month. After some back and forth between the City of Philadelphia and Freedom Mortgage, the City of Philadelphia has corrected the amount of tax we owe. The City has sent the updated information to Freedom Mortgage for their records to update our account.

Since the correction was made within the City of Philadelphia tax system updated records were sent to Freedom Mortgage. Freedom Mortgage must submit a reimbursement form to collect the misappropriated money. They have done this once and filled out the form incorrectly. We had to call Freedom Mortgage for them to resubmit the paper work. I am unaware if they have resubmitted.

There is constant back and forth and after trying to coordinate with Freedom Mortgage, they now place us on hold or hang up on our phone calls. They say the issues has been escalated to the tax department in their company. However, after a week there has been no resolution.

This issue has been going on since November of 2014. We have been making our regular monthly mortgage payment and in July they sent our payment back to us. We have it dated they received it before the late payment date.Desired Settlement: Our Freedom Mortgage account needs to be updated to correct the tax issues as well as any late fees.

We have been submitting our regular monthly mortgage payment.

Also both myself and my co-borrower needs our credit reports corrected to show that we were not late in our payments. As this credit report is hindering the expansion of our small business, therefore effecting our income.

Business

Response:

[redacted] I am working with our tax department to obtain the refund and correct the escrow account. I anticipate that this will be completed in the next 48 hours. Please contact me directly at [redacted] and I will update you once this had been finalized. [redacted]Vice President Customer ServiceFreedom Mortgage Corporation?

Consumer

Response:

Review: [redacted]

I am rejecting this response because:The tax dispute has not yet been resolved, they are just saying it will be completed. Two things need to happen; the confirmation number of the tax refund sent via mail or email to [redacted] The other item, our credit reports need to be updated, we should not be showing late payments as a fault from their business practices. Once these items are taken care of we can accept their response.

Regards,

Business

Response:

[redacted], we communicated via email after you rejected this response and I did not hear back from you after my last email. If there is anything further that I can do for you please email me.Sincerely,[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: I called Feedom Mortgage on 2/16/15 to try to get assistance to log on to my account. The reset process would not work. We tried twice. The login and password did not work. The agent just wanted me to pay extra fees to pay my mortgage. No offer to waive the fee since the problem is on their end. Even wanted me to call in on the phone to pay.....for a fee. I just want access to my account so I can pay without additional fees.Desired Settlement: I would like a written apology and access to my on-line account so I can pay without additional fees.

Business

Response:

Mr. [redacted], I do apologize for the issues you have been having with the website. I see that there is a task on you loan to have someone assist you and that they have called in an attempt to contact you. I am asking that they continue to call until the have reached you and have assisted you with this problem. If you have not been contacted in a reasonable time please feel free to contact me at [redacted]Vice President Customer ServiceFreedom mortgage Corp

Review: I have used their email method of contact as well as tried using their customer support on phone to fix the problem of me not being able to use their "advertised and promoted" online payment method. I have not received a tech support call or even an email regarding this situation and how to fix it. However, I did receive a call from their sales dept asking if I wanted to refinance my loan. Today, I was put on hold for more than ten minutes and when I finally got to speak with a representative, they got my information and then just hung up. I do not want to pay their phone fee of $5, but they give me no other way to access my online account, even when given the chance to respond to me for several months.Desired Settlement: I want a refund for all the $5 fees I have been charged for, because they have given me no other option to pay.

Business

Response:

MR. [redacted], I am sorry that you experienced difficulty accessing your account online. It is my understanding that the serivcing center assisted you with this and that you now have access. If this is not the case please let me know and also please advise if they refunded you any of the fees that you paid as a result of not being able to pay on line. I can be reached at [redacted]Vice President Customer ServiceFreedom Mortgage Coropration?

Review: We were approached by Freedom Mortgage to seek out a refinancing or a new Mortgage Loan, we spoke with an agent and did as he recommended, we were then approached by a Mortgage Specialist, who was going to process our loan, she sent us all the necessary paperwork to do the loan, we then paid $250.00 to have an appraisal done of our house. In the meantime we had some pretty significant winter storm damage to an upstairs bedroom and the bathroom below on the main floor to ceilings, and walls. The appraiser came right in the middle of trying to arrange compensation from our home insurance company. We spoke to the Specialist about what had happened and we were told to get the loan we wanted to have it fixed by the end of loan time. In the meantime the appraisal came back on the house, and even though we had the damage that had not been repaired yet, this appraiser said that the house would only be evaluated at $78000. We bought the house in May of 2014, and it was appraised then at $76000.

We have already put over $5000. into this house and property---Then when we spoke with the agent she told us we were to speak with the first agent that we contacted, and he said we could'nt do the loan at the price we needed, that is when all the confusion and no following thru, started. The Specialist would not call us back, the agent would not call us back, and so here we are----the damage has all been repaired---as they needed it to be, we are ready for a new appraisal and no one will call us back ---just nothing!Desired Settlement: To at least try to work out the possibility of another appraiser coming in to reevaluate the house---and continuing with the original loan, or just giving us a proper statement as to why we are not being called back to set up the closing---in other words they don't want to deal with us anymore? We would like to be told the truth about what is going on----and I feel we are somehow being discriminated against---

Business

Response:

Mr and Mrs [redacted], upon receipt of your complaint I reviewed the loan with the underwriter and processor. They advised that they had submitted your dispute to the VA and also provided the new comparables to the appraiser. The VA would not reconsider the value and the appraiser stood by his valuation as well. It is my understanding that you have cancelled this loan application but are considering doing a streamline VA refinance which would not require an appraisal. Please let me know if there is anything further that I can assist you with [redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: Freedom mortgage notified me in August 2013 by mail that my escrow account was in surplus, so i'd be receiving a check back with the excess funds of approximately $1200 within 20 to thirty business days. After many calls and complaints to Freedom Mortgage and attempts to resolve this issue only to receive empty reassurances from various customer service reps, it has been six months and I still haven't received the money that is rightfully mine, and no representatives from freedom mortgage will explain what the problem is and why it has taken so long.Desired Settlement: All I want is to receive the money that i'm supposed to receive, immediately, with no more excuses and run around and miss information.

Business

Response:

Ms. [redacted], I do sincerely apologize for the delays in your receipt of your escrow refund check. After getting your complaint I reached out to the escrow department and asked to put a stop payment on the most recent check. I asked that they contact you anc confirm the mailing address and send a new check via overnight mail. The new check was sent out on the 11th and received by you on 2/12/14 as shown by the [redacted] tracking info below:Proof of DeliveryClose Window Dear Customer,This notice serves as proof of delivery for the shipment listed below.Tracking Number: [redacted]Service:UPS Next Day Air®Weight:9.00 lbsShipped/Billed On:02/11/2014Delivered On:02/12/2014 7:35 P.M. Delivered To: OCEANSIDE, CA, US Signed By:[redacted]Left At:ResidentialThank you for giving us this opportunity to serve you. Sincerely, UPS Please let me know if you have any further issues or questions as I would be happy to address them.[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: Received a call to refinance with company in February. After signing documents agent said the closing would be in 30 days. It is now April 30 and still no word from the agent. Everytime I call them it goes to voicemail and when I finally talk to someone they transfer me or give me the run around.Desired Settlement: I would like for the refinance process to be completed. I also would like if my closing cost of $0.00 remain as stated on the papers I signed. I dont think I should have to pay a closing cost if I was told I didnt need to and that was the only reason we signed to go along with the refinance contract.

Business

Response:

Dear Ms. [redacted]I do apologize for the frustration you have experienced with your refinance. It should not have taken as long as it did and we are reviewing why this issue occurred and making changes with the vendor that handled your file on our behalf. I understand that the loan has since been final approved and closed on 5/12/15 with no funds being paid at closing by you. If you have any further issues please feel free to contact me at [redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: Freedom Mortgage did not pay my real estate taxes in full and I received a warrant/collection notice with additional fees. The rep told me she escalated it to the Tax Dept and I should hear back within a couple days. Over the next 2 weeks I inquired about the status FOUR times and never once received a response back. Finally I called back and was connected to a manager who said the request was 'pending' and that she'd escalate it and should receive response back in 24-48 hours. That will make this mistake on their part be dragged out for 3 weeks. I am less than satisfied with this mortgage company - I just refinanced at the beginning of the year into this company. I have NEVER had any issue with my Real Estate Tax being paid in full from [redacted] as my mortgage company.Desired Settlement: Fees and remaining balance due to incomplete real estate tax payment should be paid in full by Freedom Mortgage.

I have not received an explanation yet as to why this happened in the first place, but would like reassurance it will not happen again. I have NEVER been late with a mortgage payment - I should also not have to worry about my mortgage company not paying my Real Estate taxes in full when I'm getting an escrow amount deducted from my account monthly.

Business

Response:

Ms. [redacted], Upon receipt of your complaint I reviewed the closing documents and the loan history. When you closed your loan with [redacted] they paid 772.49 to [redacted] They also set up the account using 772.49 as the amount for all the following taxes payments. It appears that 772.49 was not the proper amount. The servicing center was using the data provided to us by your lender and therefore assumed that the payment on the [redacted] was proper and that nothing was owed. When you provided docuentation to the contrary they researched and paid the outstanding balance. Late charges and penalties were not paid from escrow but expensed and will be billed to your lender. Please let me know if I can be of any further assistance.[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: I decided to refinance my Adjustable rate mortgage, to a fixed Rate. I closed on my new mortgage on 3/21/2014 (signed contract). Because of the closing date I was advised that I would miss April, and May payments. May 2,2014 [redacted] from the closing department called me and advised that when the sent a payoff to [redacted] for my previous note there was a 1,300 dollar shortage, and If I could make my April Payment, my first payment to [redacted] would now be July 1st. I made the April payment as I agreed ( Already closed loan 3/21/3014). Documentation arrived from [redacted], I called and checked my account status, they stated my first payment would be June 1st. I have numerous attempts to contact [redacted] (closing department manager) to make arrangements to correct the 1st payment, he has not returned my call. I did reach out to [redacted] , assistant vice president of sales, he has assured me that they are aware of the situation, and are looking for a resolution, someone will call me shortly, no one ever calls. I spoke with [redacted] works in the recovery department, he assured me I would get a call assuring me resolution, no one ever calls. When I attempt to call him back to check on the status, I always get his voicemail. I have left cordial voicemails with everyone mentioned, no one has called me back. I did get a nasty letter from [redacted] threatening foreclosure, wanting personal information to make a determination if they would allow me to keep my house, all because of Freedom Mortgage not calculating the correct payoff amount, and finally paying the note in full the first part of [redacted] (thanks to me assisting with the April payment, I was advised I could miss).Desired Settlement: I would like for Freedom Mortgage to change the 1st payment date to July 1st, 2014, or refund the money I made for the April payment that I was not required to make, and I will credit that to a June 1st payment. I would also like for them to provide me a letter in writing explaining the situation, and this mortgage issue was not the fault of myself. Lastly I would like to ensure this situation does not go against my credit rating. An apology would not hurt as well.

Review: I had a locked in agreement of a 3.5% loan , all the way up to the closing date .On closing date , a woman came to my home with a lot of papers to sign for a mortgage ,and she rattled through them , with so many paper , I was trying to pay attention ,but I guess I got overwhelmed ,and they charged me with a 3.75% loan ,which over 30 years is roughly $30,000 .No one from company told me what so ever that this loan was 3.75% , even the loan officer said he would have been very upset also ! I tried speaking to the company , but they just kept blowing me off .And I tried to get out of this contract ,but they just kept giving me the run around !!!Desired Settlement: I want my rate to be 3.5% as agreed upon( as locked in at ) , or cancel the refinance .

Others should be warned of this companies policy of deceiving customers!

At this point , I am about to dismiss my good credit and go rent somewhere , thanks to this mortgage company I might lose my home because of there deceit.

Business

Response:

[redacted] we have been contacted by your lawyer and since you now have legal representation we will respond directly to you Attorney.

Freedom Mortgage Corporation

Consumer

Response:

Review: [redacted]

I am rejecting this response because:My attorney is getting negative results and this situation is not right or fair . Even your loan officer will not except calls from me because he knows the truth ( and I have been nothing but polite to him ) .People need to know what kind of a company they are dealing with here .All they care about is the commission , and not the customer . I was quoted one rate , got a different rate . Also Freedom mortgage charged me for attorney fees ,to which the attorney wasn't even working for me ,but for Freedom Mortgage .

Regards,

Business

Response:

[redacted], due to the fact that you are represented by legal counsel we are obligated to communicate directly with your counsel. I reached out to him shortly after he contacted us and have never heard back from him after that inital conversation. Please advise you counsel that if he needs anything from Freedom mortgage he needs to provide a signed letter of authorization and contact us.

Freedom Mortgage

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

My attorney has reached out several times , with no response !!!

Can you at least answer this , the loan officer promised me a check to try to compensate me due to the deception , and said " if you don't receive it soon , please call me " . Which I attempted to due, but my phone was blocked . My question is ,why ? I have been nothing but polite and honest ,and this is how employees of Freedom Mortgage treat there customers ! Public beware of this company

Regards,

Business

Response:

[redacted], I have never heard back from your attorney but he is more than welcome to contact me directly. As to the promises your loan officer made to you, that loan officer is employed by the broker, not by Freedom Mortgage Corporation. You would have to address that issue with them directly

Freedom Mortgage Corporation

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Again ,my lawyer has attempted to contact you a few times . And as for the broker that represents your company, and you let them represent your company this way ,they should be ashamed of there actions , cause all they cared about was to get there commission, no matter who they hurt !!! I have tried to contact the broker also ,but he has blocked my calls ( and I was never disrespectful to him). Facts are facts , I was quoted one rate, and got deceived and stuck with another rate ,shame on Freedom Mortgage !

Regards,

Review: I originally spoke with [redacted], during this conversation he explained how the process worked for refinancing my house under the cash out finance and said that his company would cover all costs involved with the process except the pest inspection and appraisal. I paid $400 for the appraisal with a check through MIC and $85 for the inspection directly to the inspector. I was told any further costs would be covered by MIC at the end of the transaction.

The process began and my home was inspected and needed to be treated to ensure no future issues at a cost of $525 and I provided all paperwork asked for by MIC and was told I would be reimbursed over the phone. I was told over the phone that I needed to select a Closing company for the final closing on my home. I picked [redacted] title out of Tampa FL [redacted] to do my closing and was told I could not chose that company because they were not on the approved list, which I believe is a violation of anti coercion law but having no choice being locked in financially to this process I chose [redacted] in Cushing, Ok [redacted].

After dragging this out for several months I was told the paperwork had gone to the under writer about 2 weeks after that I was sent a letter stating the company was not going to do the refinance. I have not been able to contact ANYONE at that company from that point on, no one will return phone calls or emails.

I was contacted by the [redacted] company saying that MIC refuses to pay the costs associated with the closing and after having received all documentation from the Inspection, Appraisal, house history and closing data MIC refuses to pay any of the charges they stated they would pay.

I am a disabled veteran having served in both Iraq and Afghanistan, I live on a fixed income and this process has literally broken me financially. I may lose my home over this. In the posted complaint I made an oversight which may cause

confusionIn my complaint I typed MIC a few times, that is an

oversight on my part not to explain my acronym for [redacted]

which should be listed as "Freedom Mortgage" for the sake of

clarity.I noticed my mistake after the posting and could not find

where to edit the text after it was submitted. If that could be fixed I

would appreciate it.Desired Settlement: I only want the costs that were promised (verbally over the phone by [redacted]) to be taken care of, pay for the treatment $525 and the $835 costs for the closing company.

Business

Response:

[redacted], I am sorry that you experienced some frustration while trying to refinance. The property significantly under appraised and you would have had to bring in excess of 5,000.00 to closing, which clearly didn't make sense. I have refunded the appraisal fee, those funds are being wired back to your bank account. I am not able to effect any other refunds without the invoices showing what you paid and to whom. If you can send them to me I can have the reviewed for possible reimbursement. You can send them to [redacted]. I look forward to seeing if I can assist you further.Sincerely,[redacted]Vice President Customer ServiceFreedom Mortgage Corporation?

Review: My wife and I are retired and live in both [redacted] California and [redacted], Oregon. We go back and forth with the weather. Freedom Mortgage bought my [redacted] for the [redacted] house on 5-1-14. They said in August 2014 that they sent a Welcome Package to the [redacted] home in May of 2014.

My son received such a packet on 8-5-14 and it was dated 8-1-14. My son is [redacted] and he lives at the [redacted] house. The phone # is the Phone listed with our prior mortgage company which was [redacted]. My wife and I were at the [redacted] house until 5-25-14, when we returned to [redacted]. We did not receive any welcome packet or calls when we were in [redacted]. My son answers the phone there and has never received a call from Freedom Mortgage. That phone is ###-###-####. On 8-11-14 my wife received a call from [redacted] who services Freedoms loans. That is when we first learned the loan and had been bought and we were delinquent. By that date [redacted] or Freedom had already reported my wife and I as delinquent. Our credit scores immediately dropped 40 points. We own three houses and have never been late on any of them. We paid May and Junes mortgage payment to [redacted] and they forwarded them to Freedom. That should have been a clue for Freedom. July and Augusts payments was paid to [redacted] and they returned those payments to our [redacted] home. [redacted] called us at our [redacted] home on 8-11-14 and that is first we heard of the loan transfer. We have since brought payments current through September but Freedom refuses to withdraw our delinquent payment report or return our late fees. We have already attempted to refinance our loan because of Freedoms intransigence and their horrible reputation. [redacted] Employee [redacted] #[redacted] representing management denied our requests to withdraw the delinquent report and return our late fees.Desired Settlement: Withdrawal or retraction of the delinquent payment reports and return of late fees. Freedom and Loan made no serious effort to contact us until after they had reported us as delinquent. That information was available to them. Their complaint record speaks for itself. I can prove with documents everything I have alleged and will forward documents if you request. Also I served in the [redacted]. the [redacted], and the [redacted] for a total of 25 years. I am a retired [redacted] Lieutenant and [redacted] Officer. I have never been treated so badly by noncriminals.

Business

Response:

Mr. [redacted], upon receipt of your complaint I asked the servicing center to review your loan history. There does appear to have been an issue with your knowing where to send the payments. In light of that I have requested that the fees be refunded and any outstanding fees be waived. We have updated the credit bureaus to reflect the account paid as agreed with no delinquency. Please allow the bureaus 30 to 45 days to update their system to reflect these changes. Please also let me know if there is anything else I can assist you with[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Freedom Mortgage refused to pay my property taxes on time from my escrow account - even with plenty of money in my escrow to cover the cost of my taxes.
Called customer service, they would ask me to send an email to forward to their tax department. No response for 3 weeks. Called again, same process, no response. Finally paid my taxes out of pocket and called to demand the closure of my escrow. Still waiting on a response to my request to close my escrow.
From my experience, very poor customer service.

Review: My account is currently not working correctly. I have brought this to the companys attention various times and have had to pay my bill by phone manually since creation of this account. This requires me to find time during their business hours that I also work and stay on the phone for extended wait times. I can no longer go through this process when there is no attempt to fix my account for online bill pay. No other payment is being processed correctly. I have even sent a personal check this month and I have yet to see it cashed. Is this a ploy to charge me with late fees?Desired Settlement: I need to be contacted and this matter must be resolved. I can not have this an ongoing problem for a 30 year mortgage. My mortgage was so simple in the past and easy to manage by other banks before it was refinanced and sold to Freedom Mortgage. This is an extremely unprofessional company that makes it very hard to to something as simple as pay a bill.

Business

Response:

[redacted], I am sorry you were having difficulty setting up the account online. When I received your complaint I asked our customer service manager to have someone reach out to you and assist you with setting up the web account. He did so and they reset the security questions and password and you now have access to the account online. Please let me know if I can assist you in any other way[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: I am a disabled veteran, I do not pay property taxes in my city or county. Freedom Mortgage has collect over one thousand dollars for taxes. I've faxed over my documents on three different occasions. I also spoke with Freedom Mortgage five times about this. No one from Freedom mortgage has followed up with me on this situation. Freedom mortgage has refused to refund my money. Also, will not allow me to make payments with a subtraction property taxes.Desired Settlement: Refund my money that Freedom mortgage has collected. Also, adjust my monthly payments, remove late charges.

Business

Response:

Mr. [redacted], I do apologize for the frustration you experienced regarding your tax exempt status and the adjustments required on your account. The account has since been analyzed and the exemption for the taxes is not reflected. You received a refund from the title company ion the amount of 1303.00 and we sent the balance due you of 254.85. Any late charges were waived and the account was not reported as delinquent.[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: Freedom Mortgage has not paid my property tax bill. It has been delinquent since September 1, 2015. I call constantly and they promise to get back to me. I've faxed the delinquent notice to Freedom's tax department, but yet to hear back from them.Desired Settlement: Payment of my tax bill from my escrow account immediately and any further credit issues that may result in this.

Business

Response:

[redacted] as you are aware we communicated via email regarding the tax issue, below was my last email and my understanding is that you were satisfied with the outcome[redacted] I researched this with the tax department and here is

why the taxes did not get paid in Sept. When servicing transfers, as was the

case with your loan since we bought it from your lender, the expectation/requirement

is that the previous servicer is to pay any bills that are coming due within 45

days of the transfer (to prevent just this type of occurrence). Diamond

Residential did not pay the taxes before releasing the loan off of their

system. We set the loan up showing the next installment being paid by us, not

the current September installment. We have now disbursed the payment and will

be collecting the penalty from Diamond. You were not charged the penalty out of

your escrow account. Please let me know if this addresses your concerns and if

I can do anything else for you at this timeSincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I've spent several months trying to refinance my home mortgage with FM and have provided everything needed at lightning speed. I haIve expressed my hesitation to refinance due to problems with a previous mortgage company but was assured there would be no issue. After working with several people, it was clear that the different departments did not speak with each other. I was told I would pay no fees nor bring any money to closing. As I inched close to closing, I kept being given different closing amounts ranging from $1,900 to $300 to $0. It is now July 1 and I had budgeted to not make a mortgage payment this month as I was told. I am now being told per FHA rules I have to bring a mortgage payment to closing (which I am sure is the case) but due to misinformation the entire way through this process, lack of return email and phone calls, and just extremely poor training on this company's part, I am unprepared to make this payment. I have emails strings (and the calls that they remind you are recorded every time a call is made) as proof of this. I am really disappointed in this, as I have spent the past two months on gearing up for a refinance. Shame on me for thinking this would go smoothly and for not planning better.Desired Settlement: I'd like Freedom to cover the cost of the closing since they have so gravely done wrong in this case.

Business

Response:

Ms. [redacted], I am sorry that you have had a frustrating experience trying to close on your refinance. The closing figures you were given had been estimates. Typically when we are paying the costs the borrower would bring approx. a payment to closing. We have since re-worked the figures and it shows that you were able to close with no cash out of your pocket. I see that the loan has since closed and I am glad that we were able to work this out for you.[redacted]Vice President Customer ServiceFreedom Mortgage Corporation?

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I am a current customer of Freedom Mortgage, they hold my mortgage on my home, on or about the 1st week of June 2015 I received a call from a Freedom Asst. VP of Sales, [redacted], He began to explain to me a program called the customer retention program. They told me that they wanted to keep me as a customer and would refinance my current mortgage TOTALLY FREE and lower my interest rate by a 1/4 %. I kept asking totally free no fees and he kept saying over and over again everything was free and that the process would only take 30 days due to the fact I was already a customer, well the process was anything but streamlined or free of fees. It was the most frustrating application process I have ever been thru in my life, almost 3 months later I finally received a final copy of the HUD settlement agreement and was supposed to sign on the 19th of August at 4 PM, WELL 4 PM came and went nobody showed and I took time off from work. And on the HUD paper work they increased my term by 6 months and charged thousands in fees. It all was a total LIE and SCAM to grab more money from me plus get reimbursed from the governments HARP Program. Bottom line it was a total misrepresentation and deception on the part of Freedom Mortgage and they should be held accountable for there deceptive sale practices. I am also in the process of filing a complaint with the N J Attorney Generals Office and any other government agency that regulates mortgage companies and protects consumers from these types of mortgage scams.Desired Settlement: Removal of all credit inquiries to the 3 major credit reporting agencies from Freedom Mortgage and stop the misleading and deceptive sales practices on behalf of all consumers who might have to deal with this mortgage company.

Business

Response:

[redacted]We are in receipt of your complaint and have reviewed the loan application and the documents that had been sent to closing. We also pulled the calls between yourself and the loan officer. We did recognize some need for retraining of the loan officer. We are also reviewing the processing of your file to see what changes can be made. We are not in the business to aggravate and not listen to our customers so this situation will be taken seriously. We will remove the credit inquires and send you copies of the letters doing so. Please let me know if we can be of any further assistance[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

Review: [redacted]

I am rejecting this response because: I accept the removal of all credit inquiries and await copies of the letters to the 3 major credit reporting companies, but there is absolutely no mention of stopping the deceptive and misleading sales practices of Freedom Mortgage soliciting current Freedom customers telling them they can refi for free, lower there rate and it will only take 30 days is an ABSOLUTE LIE. My experience the past 3 months was nothing short of torture, the repeated requests for documents, not returning phone calls. the level of incompetence on the part of Freedom Mortgage employees is unbelievable, you better do more then some retraining, if I was in charge I fire every last one of them. Let put it to you in a way you understand, I am spending over $ 3000.00 to refi with another company at 3.99% for 30 years just for the satisfaction of DUMPING Freedom Mortgage. Freedom Mortgage just lost a great customer who has faithfully been paying a mortgage for 30 years and never once was late or missed a payment. Maybe my complaint to the N J Attorney General's Office will get a truthful and honest response from Freedom and can put a stop to your deceptive and misleading sales practices.

Regards,

Business

Response:

[redacted]You applied for a rate and term refinance of your conventionalmortgage. The loan process did take a little longer than usual and that was duein part to the need for new deed adding your daughter to title, errors on the verificationof employment from your employer and the subsequent need to resubmit the fileto the mortgage insurance provider for approval. The loan was structured withFreedom paying all third party costs. The GFE outlines all the costs associatedwith the loan but doesn’t not have a place to indicate who would be payingthose costs. That is illustrated on the summary of transaction document, a copyof which is attached. The loan was initially written for 346 months but thiswas corrected prior to the scheduled closing to 343 months or 28.5 years. TheHUD that was drawn for closing had Freedom paying the costs. A copy of the HUDis attached. You had a total of 3423.91 in closing costs, (all the items thatare positive numbers on page two of the HUD). You then had 3847.81 in credits.1553.23 on line 803, 56.42 on line 901 and 826.56 on line 204 page 1 of theHUD. Additionally we netted the escrow balance on the payoff, giving you acredit of 1411.60 for a total credit of 3847.81. Your credits exceeded yourcosts so you new loan amount was actually lower than you old loan payoff. Yourpayoff (before the escrow credit) was 239,411.25 and your new loan amount was238,959.00. Nothing was being added toyour new loan amount and you were not bringing any cash to closing nor pay anyclosing costs. I am not sure how this is deceptive or misleading. You wouldalso have been able to skip the September payment with your 1stpayment on the new loan October 1, 2015. We sent the closing documents to the Notary for signing on8/29/15. The notary advised that you had cancelled the closing. We did not hearfrom you after that and had attempted to contact you to re-schedule closing.The file was closed out as an approved application that was not accepted. As acourtesy we removed the credit inquiries from the three credit bureaus and sentyou copies to the letters for your records.

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Description: Mortgage Bankers

Address: 1900 E. Broadway, Maryville, Tennessee, United States, 37804

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