Consumer complaint received 2019-09-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer Freedom Mortgage is trying to auction off my home without following FHA/HUD guidelines and protocol. I am a civilian XXXX for the XXXX XXXX and became injured which led to a reduction in income and missed payments. I am now in a much better place with support from my family and we can afford a fair mortgage payment for my home which I purchased in XXXX. The problem is that Freedom Mortgage has denied me access to government programs that were established to help struggling homeowners. Despite my attempts to resolve this matter Freedom has passed me from one person to another, never assigning a  dedicated contact and never reviewing my family for any homeowner assistance programs. I am now facing a sale date on XX/XX/XXXX. 

I have been here in California for the last 15 years and have worked for the XXXX XXXX as a XXXX XXXX for 8 years ( civilian XXXX ). English is my second language, and I did not fully understand how the FHA loan works with the upfront mortgage insurance and additional monthly MIP. Although I was not happy about the additional payment amounts, I made the mortgage payment every month to Freedom for 4 years. In XXXX I was injured on the job and unable to work. I had to go through a lengthy process in order to get approved for workers compensation. During that time frame all our reserves were exhausted and soon I could not keep up with the mortgage payment. After I fell behind, in XXXX I attempted to reach out to the Freedom agents to see what programs were available for homeowners in my situation. I was never able to get past the gatekeeper and just got the runaround. They never assigned a single point of contact and they never conducted a fair review of my current and correct financial circumstances. My wife works and XXXX of my sons live in our home and work as well ( one in the XXXX XXXX XXXX ). I am now receiving my full workmens compensation and we have the means to afford a fair mortgage payment. My issue is that we have never been given the opportunity by Freedom Mortgage -- -instead they have set a foreclosure auction date. 

Freedom Mortgage is required by law in the state of California to conduct a review of our households current and correct financial circumstances and they have failed to do so in violation of the California Homeowners Bill of Rights. Additionally, I have been told that HUD requires all FHA loan servicers to review applicants such as my family for all applicable programs such as modification, special forbearance, partial claim or repayment plan. This has not happened. We would like your agency to investigate this matter, Freedom is not following the rules or holding up their end of the bargain here. Between the family members and I occupying our household we have the necessary income to afford a fair and reasonable payment within FHA guidelines. Our problem is that Freedom will only accept a lump sum reinstatement and refuses to review us for the programs that they are required to offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation