Name: Freedom Mortgage
Rating: 2.0

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Richard Brackin Locust Grove, GA

We have had an overall positive experience with Freedom Mortgage. They have resolved any issues that we had, and the home sale was smooth and easy, they have also followed up with rate reduction offers.

3 years ago

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Rischelle Mikkelson American Fork, UT

Freedom Mortgage was easy to work with at our closing. Lots of paperwork was made easy. They quickly explained everything we had to sign, answered all our questions, and were very polite. After a few years, they did sell our loan which was a bit of a hassle to transition everything over, but they made it as seamless as possible.

6 years ago

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Kristen Michelle El Mirage, AZ

WORST COMPANY EVER!!!! We have been waiting months for either paperwork or for them to call us regarding a loan assumption for a divorce situation. We call and we are told they are behind and someone will call then no one ever does. We are told we will get paperwork, yet we never do. We are told they only have record we called and requested info a few weeks ago and no record of all the other times we called dating four months ago the first time. Nothing but problems with this company! OUR LOAN WAS SOLD TO THEM, WE HAD NO CHOICE IN THE MATTER.

1 year ago

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Troy King Upper Marlboro, MD

It’s interesting seeing so many people complaining about the payment issues and messing up their credit. The same thing happened to me, but I thought I was just crazy. Clearly something is wrong with this company’s payment process. My credit score dropped about 100 points because of their issues processing my payment. I’ve been with them for years, never been late.

1 year ago

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Daniel Jenkins Mulberry, FL

Company is terrible and are a bunch of lying no caring people! My escrow changed and I was on a auto pay so I would never be late. I work out of town so I didn’t see notice for the one month. I was 65$ short but paid it on phone when they called. They reported me to credit bureau saying I didn’t make my payment at all. Screwed my score and would not help me. Finally someone said they would but didn’t and then wouldn’t help on phone but sent me to some online portal that said they couldn’t help! I even have proof of the payment! Never use these people!

1 year ago

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Michael Gifford Arlington, VA

Maybe the worst. They bought mine from Rocket and it's been a disaster ever since. They didn't pay my taxes to LA County on time (until I caught it, and after the delinquency notice), screwed up an escrow analysis and didn't give me straight answers with the details for WEEKS, and then have the nerve to pester me about refinancing. Honestly I'd probably pay another 50 bps to refi with another company just to get away from them. I didnt want them to begin with and I still don't. Oh and their website is crap. Steer clear if you have a choice. I didnt!

1 year ago

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Cleo Brown

This company is horrible! Please do not do business with them! I made a payment with them and it updated online and they actually confirmed on the phone the payment has gone through. When I get ready to pay the following month payment they claim the last months payment did not go through which made my payment over 30 days late and it hurt my credit. They actually gave me a confirmation number and all. And what's worse is that they didn't even try to contact me to let me know there was some sort of error. Will never do business with them again!

1 year ago

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Greg Zekoff Chandler, AZ

I received notice that my mortgage had been sold to Freedom Mortgage. About a day later I received a letter saying my mortgage was delinquent and they would consider turning into credit bureau. About a day later I get a letter from my insurance company saying escrow insurance wasn't paid and they would cut off insurance if not paid. I wish I could do something but when your mortgage is sold to someone else you are kind of at their mercy. Not good

2 years ago

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Moody Family Oswego, IL

They bought our VA loan and then spent 5 months refusing to honor our VA tax exemption. They threatened us with foreclosure after the first 3 months of not honoring our exemption. Now 2 more months later they still have not surrendered the escrow refund check they owe us. I am furious with this company and would never ever choose to do business with them. This is a terrible company.

2 years ago

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Patrick Ian LaFollette, TN

I recently engaged freedom mortgage in a cash out refinance, to help with high interest credit cards and to do some much needed work on my home. I was quoted a monthly mortgage payment of $787 which I agreed to. Approximately 2 weeks later, that number had risen to $910.35. I was not informed of this increase until after I had spent about $650 for inspections and the VA property appraisal. Freedom mortgage was well aware of the mortgage payment that I agreed to but, failed to notify me of the increase. If I had known then what I know now, I would avoid freedom mortgage like the plague.

2 years ago

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jennafer moody Sacramento, CA

This is the worst mortgage company I have ever dealt with. I refinanced with them just over a year ago and for the last 6 months my mortgage has rises every month because they continue miscalculate what needs to be in my escrow account for taxes and insurance. Their explanation being they have raised the cost of my tax and insurance however after looking into it, that is not true.

2 years ago

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Krag Brotby Stockton, CA

They sent a notice of an increase in our escrow account by $50 to the wrong address then accepted our online mortgage on - time payment but didn't credit our account and sent late payment notice to the credit agencies. Our credit score went down 100 points. After waiting for hours to reach a rep they informed us the credit reporting was based on facts and they couldn't change it never mind the fact they failed to notify us and took our payment anyway. TERRIBLE OUTFIT - BE WARNED.

2 years ago

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Moises Garcia El Paso, TX

Our original loan was sold to Freedom Mortgage. We been in the process of selling the home since February 2022!!!! They can’t get the right paper work to the buyers title company. Every time we get a hold of someone to help and all seems to be understood on what’s needed. They ghost us!! They never seem to know who was helping us! Horrible customer services can’t get a hold on someone that knows the selling process and paper work needed.

2 years ago

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Victoria Sahl Providence, RI

This is the worst mortgage company in the entire world. They are liars and thiefs and go behind your back to nickel and dime more money out of you. Customer service is absolutely horrible. They sound like rude robots and I can not emphasize more how they steal from honest people trying to pay off their mortgage and try and trick you into better payment loans that keep you trapped with them for longer periods of time and then they change the payment behind your back and will not let you talk to a supervisor. Complete trash of a company stay away from them.

2 years ago

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C Bill Slippery Rock, PA

They have to worst customer service out of all the mortgage companies I have worked with. They are unresponsive, and completely terrible at following up with their customers. I wish I took the other offer from the other company, and got away when I had the chance. I should have moved my load to my other load company, I will say no names because I am not trying to promote anyone. Be very aware that freedom has terrible customer service and wait times. Days before you get a call back.

2 years ago

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Kayla Schwarzrock Fargo, ND

They have the worst customer service ever! We were contacted to do a refi with them. Had to submit the same paperwork multiple times. When there were issues we tried to talk to a supervisor. They refused to transfer us and we were told someone would contact us. This never happened despite multiple attempts by us. Eventually we were told we would have to restart the process due to us not returning phone calls or emails (that we never received).

2 years ago

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Jay Prestridge Birmingham, AL

Freedom Mortgage kept sending me information to refinance.When I agreed too refinance, I was told I would receive 2K at closing.When all was said and done,Freedoom was going to give me a check for $118.Plus the deal wasn’t that good anyway,when I canceled the closing,haven’t heard a word from those guys. It’s called manipulating a poor dumbass like myself,you don’t know you’ve been manipulated until it’s over,be careful.

3 years ago

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Timothy H Fleenor Toronto, ON

Worst company I have ever had to deal with. Freedom mortgage is in it for the quick buck more than anything. once they buy your loan they continually harass you to drop your rate even when asked to stop. Their website has had nothing but issues from the start and now I can't even make a password to access it (been trying for 2 days and over 50 combinations) This company is ridiculous, if they bought your loan, i would refinance just to get it away frrom them. I wish we could put in clauses making it illegal to sell to them or others in general.

3 years ago

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Sisy Las Vegas, NV

I spoke with Lucinda, a supervisor, at Freedom Mortgage. I hope no one else has the same unpleasant experience. I called in to check the status of a check that I should have received. Lucinda fixed issues she thought were pertinent and ignored every issue I thought was pertinent. Customer service was not poor. Rather, it was inexistent. I had to ask to be transferred to someone beneath her to get my concerns addressed.

3 years ago

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dexterlee Austin, TX

Some of the worst customer service I have ever dealt with. My role requires to me to be public facing at time and I pride myself on taking care of people when they need my assistance. Long story short, they approached me about refinancing and then made the process so insanely difficult that I decided to continue to pay more each month versus continue the process. The failures, inability to respond timely and general incompetence were astounding. I would never choose to use this lender again.

3 years ago

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Josh Rockford, MI

Amateur Hour - Bad enough mortgages these days get passed around like a spliff. These incompetent idiots never even bothered to ensure their infrastructure was set up enough to accept payments. Could not even log in to their website as the new mortgage number was not recognized within their own database until 7 days after the first payment was due. Now I can't even set up recurring payments. Gee, wouldn't it be nice if there was some kind of government regulatory committee in charge of vetting loser organizations like this from buying these assets up?

3 years ago

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Dan Pierce Fargo, ND

Not a good one. Freedom Mortgage was unwilling to work with me . I tried calling in multiple times about a payment discrepancy before due date. Since I couldn't get through to customer service for a week I ended up getting a 30 day LATE, which caused me to lose my 2nd house close to my work. What is a customer suppose to do if customer service doesn't pickup during the pandemic. Think I'm lying you try calling them.

3 years ago

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Jeff Lowrie

Freedom purchased by mortgage from another servicer, then baraged me with refi offers. I succumbed to their pitch, only to regret it less than a week later: Over this period, the fees were raised by about $4000 and the escrow amount was inexplicably doubled. The bottom line -- what was supposed to save me about $150 per month ended up adding $900 with the same loan term. It is hard to tell whether they are crooks are just clueless (or perhaps both) but I did not wait around to find out. Run away!

3 years ago

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KRose 7 Minneapolis, MN

The money in our escrow was supposed to be paid to the applicable parties in December 2020. We started a refi in February of 2021, and closed in March. Shortly after, we got a notice from the tax assessor that our taxes were delinquent. After doing some research, we found out that Freedom Mortgage didn't pay the taxes in December like they should have been! In fact, they took the escrow money, and used it in our refi loan. Never once did they disclose that. Now we have to make our house payment, and pay back the escrow that should have paid our taxes! This company is a bunch of crooks.

3 years ago

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Gordon Cooke Derry, NH

Absolutely the WORST customer service I have had in 20+ years of owning homes. They asked me to refi, I started the process and then the "fun" began. My "customer advocate" would not return phone calls or emails, when I escalated to the "customer success manager" they cc'd the first person that I was having issues with, ignored everything about the customer experience and just asked for the paperwork that was needed. Screw them, if there were negative ratings available I would do so.

3 years ago

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Went Elsewhere Covington, LA

Awful. Every step of the way. They are completely overwhelmed, their systems do not talk to each other at all, there is virtually zero communication and what almost nonexistent communication they try to regurgitate is not correct. They don't even check their own e-mails they sent. A simple refinance (they had the original mortgage!) with tons of equity in the house, great credit, and after two and one-half months they wanted to do the entire loan all over again. You could not make this up. Don't even bother.

3 years ago

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Mona Albuquerque, NM

I refinanced in july 2020 did not close until December 2020. The customer service were not very knowledgeable and not very caring about timeline for closing. Finally after closing I called to set up my payment to be automatically withdrawn from my bank account lets see how that goes will be checking at the end of the month. The person who helped me set my auto withdrawal was very knowledgeable and courteous. Wish me luck.

4 years ago

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Richard Lakeland, FL

Worst customer ever. We currently have a mortgage with FM (not by choice) and trying to do a Refinance with them. It going on 3 months and still hasn't been done. You email them...no reply. You call them...nobody can answer basic question, they have to call you back but never do. Finally got the process done and set up signing the paperwork. The rep never showed up for the closing. No call No show. Guess its time to go with another company. This company is a Joke. I highly recommend using another company. Just look at the reviews.....

4 years ago

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Gena crowe Fairfax, VA

Horrible experience with Freedom Mortgage. They reported to credit bureau us missing a payment when in 12 years, we never missed a payment! They holds funds in “suspense” and don’t apply payments internally. Funds cleared our bank account before payment due, plus funds show “in suspense” in Freedom Mortgage account, but they don’t apply funds properly. Then they reported us as missing a payment. We’ve not been able to clear-up with customer service or by letters, they just say “I’m sorry”. Yes.. they are a sorry mortgage company for not assisting good customers.

4 years ago

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Nancy York, PA

It’s frustrating. On hold for almost thirty minutes and still no answer. They cashed my $800 check after two weeks still not on my statement. It’s been extremely frustrating. Answered review questions and it doesn’t allow you to submit them. Need I say more?

4 years ago

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Lana M

They purchased my mortgage from my original lender and I recently refinanced with them. They were great and the defiance was seamless

4 years ago

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William H Schiller Jr Slidell, LA

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.

4 years ago

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Dominique Santa Maria Modesto, CA

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. !!!!!!!!!!

5 years ago

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Tyler martin Newport, MI

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!?!?!

5 years ago

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So Disappointed Santa Fe, NM

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.

5 years ago

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Ruined credit Henderson, NV

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.

5 years ago

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J Warwick, RI

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

5 years ago

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Kathleen Fuhrman Saranac, MI

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.

5 years ago

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TJ Walkertown, NC

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.

5 years ago

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Jamie Ingram Saint Augustine, FL

0 0 0 0 0 STARS .ABSOLUTE SHADDDDDY PEOPLE. I AM I N PROCESS OF TAKING MY BUSINESS ELSE WHERE AND THERE TRYING TO KEEPA LAND SURVEY WHICH I PAID FOR AND OWN FROM ME AS THEY TRY TP HARS SALE ON REFI WITH THEM I WILL BE FILLING WITH OUR STATE ATTY OFFICE. PLEASE CHECK WITH VA BEFORE USING THESE PEOPLE. TRY TO LIE TO ME ABOUT MY CREDIT SCORE TO CHARGE MORE IN INTERST. ON AND ON. LEMON LEMON LEMON… IM TRYING TO LEAVE 0 STARS

6 years ago

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Jamila Maxie

They are very nice and eager to help you, but they do tend to try and get you to re-finance all the time. Everytime my husband would tell them that he is not interested in re-financing, they keep calling and calling and calling to try to change your mind

2 years ago

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Jennifer Goins La Plata, MD

I love the way this company answers phones quickly, they have an A1 knowledge based understanding of every product that they offer and for me that goes a long way.

2 years ago

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Stacy Carter Red Cliff, CO

My experience has been okay. I did need something and after I called, it took them months to get me the paperwork I needed. Besides that situation, their billing has always been accurate and on time.

3 years ago Edited October 15, 2021

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jgf jhg Charlotte, NC

Just found out they haven't paid my homeowner's insurance in over a year. Got a letter from Freedom yesterday stating they are "forcing" their own insurance on me, to the tune of $400 more than my old policy they stopped paying from my escrow. My home hasn't been insured in over a year, and I am in shock. Calling my lawyer today.

1 year ago

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Biff Grouter

Class A clown show. Worthless. As a Disabled Vet, I dont pay property taxes, these clowns wanted to increase my mortgage payment $150@mo. for taxes I don't pay, after having my account with them for over 3 years. I really hate that New Day sold out to these morons.

1 year ago

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Dorit Broshi Fort Lauderdale, FL

the worst mortgagee company EVER!!! Don't work with them. they are not professional, not paying the insurance company on time, and then charge you for the FEES. My monthly payment raise in 2000$ a month and they blame me for their mistakes.

1 year ago

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Papaya Sunnyvale, CA

Freedom Mortgage are not great, I have been experiencing: 1. Extremely slow responses via Text Center 2. Not Transparency, no choice nor control 3. The company purchased insurance without my consent and just said the policy file i provided is insufficient

1 year ago

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Office Email New Freedom, PA

They bought my loan and raised my monthly, while neglecting to pay any taxes, or home insurance in my escrow.. Absolute trash company that operates on predatory methods trying to force a homeowner into foreclosure by mailing them out statements saying they dont owe their monthly.

2 years ago

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Reconciled to God

This is the worst, most unprofessional company ever. They are no help for your needs, so not apply your money correctly, leave you on hold too long and are very subtly sarcastic. DO NOT USE THEM!!! JANNIE AND TYTAINA made my experience hell on the phone!

2 years ago

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Dennis Richardson Boise, ID

Freedom Mortgage is the worst mortgage company I have ever delt with in my life. They set you up for financial loss, Take your money while not completing services, and then do nothing to rectify the situation. I would encourage the world to stay as far away from this company as possible.

2 years ago