FREEDOM MORTGAGE COMPANY

2015-05-18

Alta, CA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-05-18

Napoleon, ND

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I applied for a loan off a letter i got in the mail in XXXX of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is XXXX i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well XXXX, XXXX, XXXX went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in XXXX. No my local lender is waiting for the FHA case number to be transferred from freedom mortgage and nobody is communicating with my new lender to get this done. I am going on over 6 months now and ca n't get a simple refi done becuase freedom mortgage wont transfer the FHA Case number. Any suggestions or help? /Thank you
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-12

Portland, OR

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: Post card solicitation to refinance our 3.5 % FHA mortgage from Freedom Mortgage. Offer is for a " FIXED '' rate 3.875 % that will reduce payment " {$70.00} per month, with " NO POINTS '' " NO LENDER FEES '', although the APR is 4.586 %. YOUR PAYMENT WILL BE HIGHER on back of post card, while on the front " Close in XXXX & Your New LOWER Payment is not Due 'til XXXX ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Eastchester, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-08

TX

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Freedom Mortgage has paid my XX/XX/2014 XXXX XXXX Property Taxes when they had already been paid by the title company. I have been working with them since mid XXXX to get the money back into my escrow account and they inform me they have request a refund from the tax bureau and the tax bureau has never received any thing from Freedom Mortgage. I have asked Freedom Mortgage for a copy of the refund request form but they have never provided me with oe. The amount of taxes paid by Freedom that needs to be placed back into my escrow account is {$790.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

San Jacinto, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in XXXX 2009. We disclose this info to their loan officer the XXXX time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae reduced the waiting time from 4 years to 2 years now?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: There was a withdrawal from my escrow account in the amount of {$1300.00} and the loan servicing company, XXXX, does n't know why the disbursement was done nor do they know where it went to. This occurred on XXXX/XXXX/2014 and I have called them monthly ever since but with no success on getting them to credit my escrow account. They even acknowledge the mistake but will do nothing to correct this. Now my escrow account has a shortage and they have also increased my monthly payment because of this. I have requested to speak with supervisors or a manager but I have n't had much success getting one to return my calls. I seek your assistance in this matter before I have to seek legal action.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-04

Rocky Ridge, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: We had what was supposed to be a fixed 30-yr. FHA loan. However, XXXX Mortgage has consistently raised our monthly payments - most recently from {$1200.00} per month raised to {$1500.00} per month. They claimed that this was due to them not collecting enough from us for our escrow. I see that most recently, part of that is for a " PMI/FHA Ins. Distribution. " Raising a mortgage payment {$300.00} per month is too much to handle and not reasonable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Clermont, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-21

Adelaide, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

MA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I hold a VA home mortgage with Freedom Mortgage company. In having my XXXX completed I was informed by my tax lady that I had paid over {$1000.00} in PMI too Freedom Mortgage in 2014. I have a XXXX from Freedom Mortgage showing PMI payment. As this is a VA loan there should be no PMI and the previous Lenders of my mortgage have not charged PMI. I have attempted to clear this issue up with Freedom Mortgage by no less than XXXX different means. Through direct phone calls to their Customer Service as well as emails and phone calls directly to individuals and have not received any resolution or correspondence from either
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

San Gabriel, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

San Antonio, TX

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

FL

Settlement process and costs

Mortgage: VA mortgage

Complaint: I had a mortgage loan with Freedom Mortgage ( XXXX ) and serviced by XXXX ( XXXX ). The loan was a VA ARM. I refinanced the loan under the VA progrom with Freedom Mortgage to a VA fixed rate in early XX/XX/2014. When the loan was refinanced I had to make an escrow deposit for the new loan. XXXX has failed to refund the remaining balance of {$1300.00} I had in escrow on the old loan. I contacted XXXX companies and have been given the run around with XXXX stating Freedom Mortgage told them to apply the money and Freedom saying there was no information. I am not aware of authorizing either company to do anything with my escrow funds.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Copper Center, AK

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: Freedom Mortgage originally said that they would give a {$2900.00} credit to lure me in. On XXXX XXXX, they then gave me a good faith estimate ( GFE ) for {$1700.00} in credits with no origination fees and then another worksheet that said I would be getting an additional {$1200.00}. They said that they could not put the total credits on the GFE, but would give me the {$2900.00} credit. I did sign this GFE. Then, on XXXX XXXX, they gave me a new GFE for a credit of only {$880.00}. I do not know why they can not put the total credits on the GFE like other mortgage companies. This seems kind of sketchy.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Albuquerque, NM

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Pacifica, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

Clark, WY

Application, originator, mortgage broker

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have wrote countless emails and talked to Customer Service about getting my Escrow check for 2014. They have never sent it and the town of XXXX is still never received and now FREEDOM MORTGAGE STILL HAS NOT SENT CHECK OR CALLED ME BACK. I have never had to deal with anything like this in my life. Please Help!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Ft Belvoir, VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Lincoln, NE

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Buffalo Lake, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Brooksville, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response