Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

XXXX. I am the homeowner/borrower in the instant case. 
XXXX. I own a single-family residence located XXXX XXXX XXXX, XXXX, New Jersey XXXX XXXX I purchased my home on XX/XX/XXXX. 
XXXX. The purchase allowed me to realize my goal of becoming a homeowner. 
XXXX. I am a single parent of four children. 
XXXX. The purchase also allowed me to provide a high quality, safe, nurturing environment for my family. 
XXXX. In XXXX or XXXX I had financial difficulties which resulted in several missed mortgage payments. 
XXXX. To address the missed payments and the other financial difficulties I filed a XXXX  XXXX XXXX case in XXXX. 
XXXX. During the case I endeavored to obtain a loan modification so that I could retain my home and resume regular mortgage payments. 
XXXX. During the last year of my XXXX XXXXXXXX case I was offered a loan modification by Freedom Mortgage. 
XXXX. In or about late XXXX or early XX/XX/XXXX, my mother and I signed the loan modification documents provided by Freedom Mortgage. 
XXXX. My attorney XXXX XXXX XXXX, XXXX notarized the documents and sent them to Freedom Mortgage. 
XXXX. In various conversations with Freedom Mortgage, they have acknowledged that they received these documents on XX/XX/XXXX. 
XXXX. I commenced the payments required by the loan modification in XX/XX/XXXX. I made every payment required in a timely fashion. 
XXXX. In XX/XX/XXXX I noticed that Freedom Mortgage had not cashed my check 16. On XX/XX/XXXX I spoke to XXXX, a customer service representative with Freedom Mortgage. She advised everything is fine with your modification and you dont have to worry about anything. She further advised that loss mitigation approved the loan modification, and someone will call me. 
XXXX. On XX/XX/XXXX I spoke to another representative with Freedom Mortgage that indicated my loan modification was being rejected. 
XXXX. The representative indicated that Freedom Mortgage had an issue with the signatures on the loan modification agreement and had sent a new loan modification package to my and to my attorney on XX/XX/XXXX. 
XXXX. The representative also claimed that Freedom Mortgage attempted to contact me numerous times and sent various correspondence requesting that I contact them. 
XXXX. I have never received a letter, phone call or voice mail that the loan modification documents were defective and needed to be resigned. From my conversations with my attorney, he has indicated that he did not receive notice of any issues either. 
XXXX. I performed as required pursuant to the terms of the loan modification. 
XXXX. From what I can gather the issue with the documents is clerical, or ministerial and should not prevent the agreement from being enforced. 
XXXX. For the reasons above I respectfully request the Court enter an order requiring Freedom Mortgage to accept my payments and honor the terms of the loan modification agreement I entered with Freedom Mortgage. 
I CERTIFY THE ABOVE STATEMENTS ARE THE TRUTH. I UNDERSTAND THAT IF ANY OF THE ABOVE STATEMENTS ARE WILLFULLY FALSE, I COULD BE SUBJECT TO PUNISHMENT.