Founded in 1990 and based in Mount Laurel, NJ, Freedom Mortgage is a privately-held, full-service lender that is licensed in all 50 states, the District of Columbia, Puerto Rico, and the Virgin Islands. The company's goal is to help customers achieve the American dream of home ownership and places a particular focus on veterans.
In addition to conventional loans, VA loans, FHA loans, and USDA loans, Freedom Mortgage offers renovation lending, correspondent lending, wholesale services, refinancing, and cash-out refinancing.
Freedom Mortgage offers refinancing services to help borrowers pay off a loan sooner, reduce a loan term and monthly mortgage payments, or get a lower interest rate. The company’s site has a helpful chart showing the difference between a conventional refinance, VA loan refinance, and FHA loan refinance.
Both the VA loan refinance process and FHA loan refinance process involve less documentation required and no appraisal.
To refinance, you need to meet certain credit requirements and income verification. The refinance process follows these steps:
Cash-out refinancing, where you pay off your existing mortgage and take out a new loan, is available to qualifying borrowers who want to get cash out from their home’s equity to pay off high-interest debt, consolidate bills, make home improvements, or pay for a major expense. This does take more time and additional paperwork. Private mortgage insurance, loan-to-value ratio limits, and loan restrictions may apply.
The company pledges to look for lower rates throughout the time you own your home and to help you capitalize on increasing home equity. Freedom Mortgage will contact you if rates drop so you can lower your monthly payment and will also let you know if the value of your home increases to give you access to more cash.
Freedom Mortgage claims to provide exceptional customer service to people who have served in the U.S. armed forces. Backed by the U.S. Department of Veterans Affairs, VA loans help service men and women achieve homeownership with 0% down. With VA loans, there is no private mortgage insurance, no minimum credit scores, and rates are lower. The company’s VA affordability and refinance calculators assist prospective borrowers as they compare loan amounts and details.
Plus, veterans can re-use this benefit multiple times.
More information is needed to see how Freedom Mortgage stacks up against other mortgage companies regarding eligibility, closing costs, and interest rates. For example, we can’t make an estimate for an interest rate with our control scenario because the monthly payments calculators on the company’s website have you enter in your own interest rate. However, the default interest rate is listed as 4.6%, so we assume that is the rate borrowers with excellent credit can expect.
Very little experience, but when I called they were extremely helpful.
Avoid Company At All Costs.... We sold our home and contacted Freedom Mortgage to release our escrow account which was an accumulated $9000 + . We were informed "the check is in the mail" which after patiently waiting 2 weeks never showed up . We contacted the company again to inquire and were told "we must have sent to wrong address " and were given another date which again "check never came"....and another date and so on. No supervisor or manager available to address concerns just shuffled to the next cubicle/employee. If we withheld our mortgage payment this long they would have foreclosed. This company needs to be held accountable
I’m a realtor in NC attempting to assist my client with a short sale. He is an active duty service member whose home was severely damaged by hurricane Florence. Apparently FMC was extremely difficult to deal with at the time of the disaster. After the repairs were made I listed the home for sale, at top price. We received an offer come to find out that FMC had added fees to the back of his loan. So we initiated a short sale. After receiving and accepting a full price offer, I was contacted by the appraiser who told me there was an active leak in the kitchen wall. Upon further research and confirmation with FMC- they had sent out a preservation company to carelessly mow the lawn. They hit the water spigot resulting in severe water damage to this like new home. Water was seeping through the brand new floors, mold throughout the brand new drywall. I contacted them immediately to notify them of the damages, and was told they would file a claim. A couple weeks later I called 10 times only to be told 10 different things. They never initiated a claim. It’s been 4 months. I presented them with a CASH offer and multiple estimates reflecting the repair costs. I was told they submitted it to the VA for approval. The VA responded and told them it is their responsibility as the servicer to protect the home and that they should file a claim and be responsible for the damages. When FMC relayed this information to us there was absolutely no responsibility or empathy implied. In fact, they told me they would send someone out to assess the damages (4 months later) and I still haven’t been contacted. I was also told “the va denied the offer”. Apparently foreclosing is a much better option to FMC. I plan to contact the VA Technician responsible for his loan and report failure to complete property inspections, failure to report material damage and even the possible predatory mortgage servicing that has been added on to the back of this REFINANCED loan. Absolutely unfair and my heart breaks for this poor veteran. BUYER BEWARE.
Our mortgage was sold to Freedom Mortgage in November of last year. Within two months they had us a lower interest rate and lower payment. They also do not charge a late fee if you are within the 30 days your payment was due
They purchased my mortgage from my original lender and I recently refinanced with them. They were great and the defiance was seamless
EXCELLENT APR's, GOOD CUSTOMER SERVICE. NOT QUICK TO CLOSE, THOUGH.
Freedom Mortgage bought out my mortgage from my original mortgage company. In the beginning they could not get one single thing right. I would always pay extra each month to help pay down the principal. Freedom would not apply it to the principal. For like 6 months I had to keep calling them so that they would apply the money to the principal which was very inconvenient. I finally was able to talk to someone that knew what they were doing and set it up correctly so I would not have to call in every month.
Horrible customer support and servicing. Extremely rude and unhelpful - was hung up on because I couldn’t find my loan number
Horrible company to handle your mortgage. Very little information posted in your online account. No Customer service. They will lie to sign you up for a refi at no cost and then charge you 9k after taking 3 months to put together paper work.
piss poor dont explain crap, ungody rate and happy to take your payment
I read the reviews and still went with them because they offered the best rate. They are the worst, however. Every step of the way: Originating a loan, selling and then buying back the loan and finally when you sell the property. it seems like it is the first time they have ever dealt with a mortgage. Customer service either has no idea what they are doing or will be cryptic and hide facts. To get anything done with this company, you have to make a formal complaint with the Consumer Financial Protection Bureau. I've done it six times with this company and they have had to correct the problem each time. Very unethical and immoral. Look at their record with owing the US government for scams.
Trustworthy. Customer service helpful and reliable. Fair rates.
William H Schiller Jr
I pay my mortgage ahead, sometimes up to 6 months. It gets applied everywhere but towards the actual payment. Sometimes principal, sometimes unapplied funds, but definitely not where I'm specifying it should go. I then have to call back several times to have it corrected. This has been a constant issue for the last year and nothing I do differently helps correct the problem. I ask to speak to a supervisor and one NEVER seems to be available. There customer service agents apparently can't read well enough to know where to apply it. EXTREMELY unorganized.
Worst experience ever with any refi or loan in 20 years. Poor communication, tried to charge us for 2019 taxes that had already been paid from our escrow account again at closing. Could never reach anyone by phone and would spend hours reguarly trying to call to manage continual problems. They didn't even bother getting our loan documents to the appointment they scheduled at closing. They never did call or apologize for that. At 2nd closing appointment, halfway through the documents they had included some other person's name and private info instead of ours...major privacy breach. They bought our loan, we never sought them out and only refi with them because it was cheaper to do than starting over on a new loan, but would not do it again with them any type of loan EVER. If I could give them zero or negative stars, I would. I have done other home loans and refi in the past with other companies that were great and so I never knew this process could be so bad or that it was like this some places. Never knew a company could be quite so bad. Avoid these people at all cost.
Would give them zero stars if it were possible. My VA loan was sold to them, first year was fine but then they began calling me non-stop to do a streamlined refi for a lower interest rate (only 1 pt lower). I finally said yes just to get them to leave me alone, refi was a nightmare, misplaced paperwork, no response to emails, phone calls not returned, etc. Refi Loan finally closed and now they haven't paid my homeowners insurance from the escrow account. Spoke with a customer service rep, she said it looked like a the was a typo the account, insurance should have been paid on 11/25/19 but someone typed 11/25/20. Nothing they can do about it now so I'm on the hook to pay the insurance out of pocket. Horrible company. FYI .. after spending more than 45 minutes on hold I finally got through, the rep apologized for the wait and said there were over 250 calls in que.
Company giving me the runaround on an escrow refund. It's been over two months and they refuse to wire or rush my money to me. Getting many different answers from different representatives. Zero progress and they care zero percent. STAY AWAY from them.
If I could give a negative star rating, I would! NEGATIVE FIVE!! at the very least. We have had a Freedom Mortgage for 3 years. My husband is a veteran so we went with a VA loan. In June of this year (2019), a representative from Freedom Mortgage called to say we qualified for a VA refinancing that would lower our interest rate and payment. We were assured that it was a very streamline process. Nothing could be further from the truth. (And it seems from the other reviews that we are unfortunately part of a trend) After submitting our documents we didn't hear back for a couple of weeks so finally I called. They kept saying that it was because they were waiting for a subordination (we took out a very small loan from a community group to insulate the house) but that was untrue. The problem was both Freedom Mortgage and Inspire closing staff were either incredibly incompetent or this was all a scam to start with. After weeks and weeks and a multitude of emails (in which they informed us they were wrong about x or needed to redo y or sent the wrong amount in, etc.). We received this email (on November 6th -- 4 months after we started the refinancing): It looks like due to the age of this file Freedom Mortgage had to close the loan. I have been working on trying to reverse this, but with no luck. I apologize for all the hassle. I can reopen the loan for you if you still wish to proceed. Let me know. Thank you. Freedom Mortgage has all of their press releases about amazing growth and how they serve veterans. Seems their growth (and profits) are at the expense of veterans. I tried multiple avenues of trying to get some customer support and got no where. I hope someone investigates this company soon.
We were contacted by our lender to refi... sglhat a nightmare from start to finish there is absolutely no communication between departments and customers I felt I did most of the work. Never again with this company
My loan was sold to Freedom over 2 years ago. As a Veteran in the U.S. Army, I used the VA Loan option. Since joining with Freedom Mortgage they have lowered my interest rate twice, something I would not have had at the original lender. Overall, my experience has been good.
This mortgage company does not honor original agreements they agreed to and approved such as a VA Modification that was sent to us stating the VAMOD was approved. They then state after the 3rd trial payment that it was on a forbearance instead but did not generate the denial letter to be sent out to us “because the incorrect CIT was used to have the correction letter sent” so we did not receive anything due to their error. This is our fault…how?? They also never stated anything about a forbearance until my third payment was made. I have spoken to probably every rep in their company and each one stated completely different information. Not one rep has any idea what is going on with our account. They refuse to honor the original VAMOD that we under the impression we had because they stated that the VA did not approve the MOD. However, the rep at the VA stated they did approve it and not the forbearance. I will NOT recommend these people and their antics. They are clueless and refuse to honor what they stated originally. Kept copies of everything sent to us but they still question “I’m not sure how you have that”. Well, I did not use their letterhead and make my own contract up! This is by far the WORST company I have ever dealt with. Be careful when you deal with these unprofessional people.
Good at first. Then when the tried to do a CA refinance and offered it for a lower % rate forget about it! I had one guy calling, sent paperwork, then called me 3 times In a week. I emailed him asked him questions he told me he had been out of the office the week his phone called me 3 times! So I reasoned the questions, was avoided. Then the “second refi team” called. Was polite, answered questions. I did the paperwork then they called to ask some questions. I verified the info needed. Then they jacked up trying to make me pay VA funding fees which I am exempt. I emailed them after setting up my closing dates. They called the other night I asked about the issues that they needed to change. All the response was “I’ll check into it” I was told they would call today to verify details at 10 am. Still nothing. Over this company am comparing others.
Dominique Santa Maria
Freedom Mortgage offered us a refinance at zero cost to us. Lies. We are missing over $1500 in our new escrow account. Now we don’t have enough tin the account to pay our taxes. It’s 10/22 I have been trying to get this problem resolved since 10/4 when our escrow closed and no response. I’ve made several calls, left voicemails, sent emails, and no one can explain where our money went. !!!!!!!!!!
I emailed my loan originator 5 days ago to check on my refinance status still no reply I also called numerous times. Then I get an email for an esign it is what I’m paying now and didn’t remove my PMI from my original loan I take it as an insult I think he thinks I don’t know how to read obviously I wouldn’t sign to lose more money on my closing cost!?!?!
Initially when I was SUPPOSED to close on my refinance (Freedom initiated), I felt it was short notice to get the cash to close figure the morning of closing. Thats the start. The notary who was supposed to meet with me for closing never showed. When I called Freedom that evening they were very apologetic and assured me that rescheduling my closing would go flawlessly. At that time I felt that they handled the situation well. Thats where it ended. The day before my rescheduled closing I received a notice that my cash to close was more than initially agreed to. It took 5 phone calls that day to get any sort of inclination that it would be corrected or explained and someone would call me back. I asked the representative when I could expect a call back. He said that evening ot the next morning. Well, I waited until about 1 hour before the time I was supposed to meet with a different notary and ended up call again myself. It took another 5 phone calls, on one of which I got laughed at. Their solution was - pay the higher amount even though the rescheduling was needed at no fault of mine, don't close and pay my regular mortgage payment (which would have been late at this point) or reschedule gain and risk my cash to close going higher. HOW IS THAT RIGHT? I felt like they were holding me hostage. It took several times of me telling them " how can you not see that what you are doing is wrong". At this point the notary was already at my house listening to me argue with the general incompetence and unwillingness to do the right thing which was make the cash to close amount the same as what it was a week prior. 12+ phone calls total and nobody could tell me that there were any notes in their system about any of it. I wasn't asking for anything outrageous. I wasn't asking for anything beyond what I was told the cash to close would be on the original closing date that I was available for but their notary pulled a no show. They were simply not willing to uphold their end of the agreement and stated that there were additional escrow monies due(according to one person - another said there is a per diem interest charge) they can't even get on the same page with the reason I was being charged more. When I finally reached a supervisor (remember 12 phone calls later) she tried to explain why I was being charged more. I reiterated that charging me more regardless of reason on their end is the wrong thing to do and morally bankrupt especially because the ball was dropped on their end and not mine. After going back and forth for quite some time we came to an understanding.
Terrible Company Insurance company cancelled the policy but didn't notify me. They force placed insurance on my policy which changed the payment. My automatic payment wasn't enough for one month so they reported it to credit bureaus as a late payment (one of the most damaging things you can do to someone's credit). Called them several times to reconsider....one person told me to just dispute it and they would remove it that way. Disputed it with all three credit bureaus and they verified all three. Rates dropped and they marketed me to refinance with them. When I got them on the phone I said sure if you'd be willing to remove the late payment you guys are reporting. The declined yet again.....I refinanced with someone else. This company is willing to lose business to ruin your credit. STAY AWAY!! YOU'VE BEEN WARNED!!
AWFUL! From the moment that my mortgage was sold to Freedom, it has been an absolute nightmare. One month they processed my single authorized payment THREE times in a span of four days, causing my acccount to overdraft so badly that my entire next paycheck went to NSF and overdraft fees. The very next month they billed me for .10 cents less than I actually owed. They didn't apply the other $1505.90 cents because it was a."partial" payment. I only became aware of this the following month when my credit monitoring service advised me of a 100+ point drop in my score due to my mortgage going 30 days late. They jacked my financial situation up so badly that I had no choice but to stay with them - because I wasn't even eligible to refinance! 18 months later and my score is finally close to recovering. STAY AWAY FROM THIS LENDER.
A few days ago by mistake they charged me twice for my mortgage. So for a few days I been on the phone to ask for my refund- which they take forever
Have been with Freedom Mortgage for just over 5 years and have not had any issues. They helped me when I needed a payment plan and have always answered the phone for me. I have a VA loan and no issues. Sad to see others have had issues so I'm not sure why. Was just offered the lower rate, part of Eagle Eye program too. Very friendly and recommend.
I changed insurance companies and now pay half of what I did, however my escrow went up! They misplaced funds I payed into my escrow. Claim to fix it and don’t. Do not return calls. Now despite sending several pre-approved notices for cash out refinance, they denied us. Good riddance!
Freedom Mortgage bought my loan from another financial company. Since the transfer it has been one of the horrible experiences I have ever had with any type of financial institution. The customer website does not work correctly and their customer service is beyond rude. I am stuck with one of worst companies I have ever experienced. Please look around and consider other lenders who actually care about their customers.
Please do not use this company. They ruined my credit. I made a payment. The representative incorrectly recorded the number. I called the next week due to the money not being taken out. Told no issue. Just found out representative recorded my bank information incorrectly. Now recorded on my credit report as late payment. Takes 5 minutes to get to speak with a live person, then you have to take another 3 minutes to reverify information. Horrible experi3nce.
horrible experience AVOID THEM they offer to let you skip a payment and don't honor it. spoke with Sean R and Mike P and all they say is we will look into it and do nothing and wont return calls or emails. I left them numerous voicemails and never got a call back. BEWARE
The absolute worst. My mortgage was sold to this company and I had home damages that were covered by my insurance and this company and the buffoons that answer the phone made getting payment for contractors in a timely manner, absolutely impossible.
Horrible customer service. They give you wrong or vague information and you have to act like a lawyer to get them to provide you with the information you need and deserve.
Terrible customer service! Terrible loan
Horrible, horrible, horrible experience with a VA refinance. They could not get our names correct. Took 6 weeks. Closing attorney FREEDOM MORTGAGE hired couldn't print the closing documents and didnt notify us until 90 minutes AFTER time scheduled for closing. I will move our mortgage ASAP.
My husband and I applied for a home equity loan from Freedom Mortgage. Our initial contact person was pleasant and positive about our prospects based on the initial information we gave her .She sent us a packet of forms to fill to fill out and requested other pertinent information, which returned a couple of days after receiving it. Once it went to a so called "loan agent" and his female supervisor, it became a very log, arduous, stressful process. These two people kept requesting more and more irrelevant and trivial trivial information which drew the process out longer and resulted in our loan application to expire twice. Once they began the process again they requested even more information, some of which had already been submitted. all of their request for information had to be in writing, and in some cases notarized. My husband and I spent a lot of money having trivial information notarized. They even wanted information about an apt. we lived in for 9 months 40 years ago(TRIVIAL). We had to send them documentation about property we once owned but had sold several years ago. I had been receiving my pension for 20 years and told them it was a lifetime pension. They wanted written documentation from the state pension dept.. To expediate things my husband and I drove 198 miles round trip to get this information. We had to get a termite bond(a reasonable request). The company gave us the option of installment payment or pay in full. They wanted us o pay it in full before they would go any further on our application. So we had to pay a couple of hundred dollars to pay it in full. These are just a few of the many hoops we to jump through for these people. My husband and I both have excellent credit scores so credit wasn't an issue. Finally, 5 month later after they had exhausted their requests for "garbage" we were told our loan wouldn't be approved. I don't know if this particular "loan agent" and his supervisor he exception, but if they are the norm, then Freedom Mortgage is BAD NEWS, and I would advise anyone considering doing business with Freedom Mortgage to run away and take your business elsewhere. My husband and I went to another company and supplied them with the pertinent information they asked for. Three weeks later we were approved for the amount we requested. They even sent a note thanking us for letting them do business with us.
they incorrectly assessed and paid my previous real estate taxes leaving them to reflect DELINQUENT. They then raised my mortgage $400 and explained taxes went up $3k which is INCORRECT (it is because they are past due from last year and will not pay). They have refused to pay the past due amount continuing the delinquency cycle and still collecting an extra $400 from me monthly meanwhile im accruing interest and fees at my assessors office. FRAUD! I can EASILY manage my bills on my own without this headache and scam! I have contacted my attorney and Better Business Bureau
My loan was somehow sold to Freedom Mortgage, From day 1 it has been a nightmare. This company does NOT need to handle any VA loans at all. First off, I had to do my own research to find their information because my last lender stated on their website it had been transferred to Freedom Mortgage. Weeks later I received a welcome letter from them. Then it was my property taxes as a 100% disabled veteran and being exempt from a certain amount. Our taxes aren’t due yet for this tax season but I wanted to let them know that this is the information that will be coming up for my taxes. 2 months later, I received a letter from Freedom stating that the Treasury office had no information. I was puzzled because as of right now, the Treasures office and the County Assessors office are not network connected, The County told me it will be linked in August. Being that I like to get to the bottom of things, I go to my Assessors office and she tells me that the information will be annotated during the tax year and that’s why I have the letter to send to my mortgage lender. (I mailed one and emailed one) so they will know it’s coming. But besides all of that, my main complaint was when I received an email from my homeowners stating my insurance hadn’t been paid in two month’s! Yes, two month’s. I’ve had insurance with this same company since I purchased my home and I have never been late with my mortgage payments in which my insurance is escrowed. Hearing this I jumped on the phone with my insurance and we called them together. They never contacted my insurance to let them know the change. I hate to say this but my loan has been bounced 4 times. Never have I had an issue with a mortgage lender updating my insurance info. So, they tell my insurance company, send me all the details and we will get it paid within 7-10 business days. A complete mess. I made a follow up phone call with Freedom and the guy tells me it’s up to me to give that information to my insurance company. What? remember now, I didn’t even know they were my lender until May 1, 2019 and like the other lender’s always told me “you don’t have to do anything, we cover it all” so being that money was going into escrow and the last lender sent them the information, what did Freedom really think it was for? But this is the real kicker, yesterday (July 12, 2019), I received a letter from Freedom stating I didn’t have hazardous insurance. I got on the phone once again called Freedom and spoke to Ciera. She put me on hold for a minute and told me to ignore the letter I received and they sent out a check to my insurance company. In my mind I’m thinking, “you didn’t send a letter until I called you about it and was just collecting escrow” First of all I’ve had homeowners since I closed on my loan and Freedom is just a negligent company with incompetent people. However, customer service has really been helpful, some of them can’t believe how that happened. I can’t wait to refi to get away from this company, they never hold themselves responsible and try to turn it around on the homeowner. Oh and let me not forget about receiving calls when you post a bad review. They called me but I couldn’t take the call at that time. I call them back, left a message and no one returned the call. VA should take them out of their network. They need a loophole for being able to leave lenders because of negligence.
I would give zero stars to this company. Robert L will lies to you every chance he gets to get you to go to this company. Roberts manager is also kind of a joke. They will avoid admitting they have lied in very round about ways. Be very careful with this if you choose them.
Freedom mortgage is currently holding onto thousands of dollars owed to my daughter and her husband for six months now. They sold their house and paid freedom mortgage off. There is a balance due to my daughter and her husband. This company will not let them talk to only representatives and will not even issue them their own notes on their account. They are committing fraud and stealing from consumers. Btw this was a veterans loan.
This company is a joke. they actually bought out our mortgage from another company and we've had nothing but problems when trying to get through to them. Most of the documents for third-party authorization and such were not valid once they bought out the loan and we had to redo all of those despite the fact that we had signed the mortgage two weeks prior and filled all of that information out. The supervisors and employees lie and say one thing and then another one says something completely different. It is very impossible to get a straight answer from them when having to call in about your account. And the fact that they're not on the same page with information is very frustrating. We've had to fill out forms only to be told that they needed something else and after completing that we're told they still needed something else so every time we call we're having to add more things to this it's been over 30 days and they haven't resolved our issue. Forget it if you need to get an easement form from them since they are the mortgage holder they have to sign off on the easement for the power company to put lines on your property. They are not done in a timely manner and cannot get the information correct. This company I would never refer to anyone. They like to play the pass along game act like they're helping and then pass you to the next person and make you start all over again.
Piss on Freedom Mortgage. I called twice last month to update my deceased mom's file on a pre-approved signed contract for the sale of her estate. I was told two times the file was updated and no progress was being made to move into foreclosure. Two weeks in I got their attorney notification on foreclosure for the property with a 10k payoff increase over 7 months.
I tried to get a loan modification done in 2017. It’s 2019 and still no resolution. Just added fees and interest. They have all my information and updated information but every time there’s always something “missing”. I have called back and spoke with the agents who see the info plain as day only to resubmit it back to underwriting for them to find another excuse. This was supposed to be a 45 day to at most 6 month process. In July it will be 2 years. Imagine the joy they have of collecting 2 years of interest and fees. The kicker is that you can even make a payment the day you start the process. Thx for nothing Freedom Mortgage.
Our home loan was with Freedom Mortgage and the times I had to talk to customer service they were always so helpful and very friendly.
We've been with Freedom Mortgage for two years when our mortgage loan was sold to them. They have a great website, which makes it easy to look up past payments and the amortization of your loan. Whenever I've called them with questions, I've been satisfied with customer service.
Freedom Mortgage has been a great mortgage lender because of their customer service and their website is user friendly.
Have only been with them six months and have had multiple problems and been given misinformation twice. They were very slow to pay our property taxes, resulting in warning notices from our tax authority and unnecessary stress for us. They didn't pay our property taxes until the zero hour, despite the fact that one of their reps told us that they should have been paid weeks earlier. They also told us that PMI wouldn't be applied to our account after we made an additional large lump-sum payment, but then they continued to charge PMI. Am frankly disgusted by the amount of time I have to spend trying to fix their errors.
We have been with Freedom Mortgage for 2 years now and have really appreciated their customer service, ease of website and updates through email.
A great company to work with! Our primary has been with Freedom for several years now and while it's been very low maintenance, the few times I've needed to call them for any account questions, their reps have been some of the most pleasant service people I've talked to.