Consumer complaint received 2022-10-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I was originally issued my first drawl of XXXX, which my bank wanted to put an XXXX business day hold on it. They ended up waiving this hold when I showed them pictures, paperwork, etc. This XXXX has been utilized by paying for the following ;!. Rebuild my house on the tornado side. Required before they could put on a new roof. 
{$6.00}, XXXX XXXX. New roof- {$15.00}, XXXX XXXX. XXXX XXXX company that came in and completely dried out my house. They were not registered to be directly paid from my insurance company so insurance paid me their bill, and then I pay them. This bill was {$13.00}, XXXX. XXXX XXXX XXXX  XXXX was willing to let me pay exactly half of this bill because I kept in good communication with them and they also knew that my home insurance AND my mortgage company have drug their feet and did everything possible to make me sit around and wait. I paid XXXX {$6.00}, XXXX and still owe them {$6.00}, XXXX. 
XXXX. My bathroom vanity, flooring, lighting, etc items that HAD to bought BEFORE any work can get started, had to be bought. This was around {$7000.00} XXXX. I had to order my bedroom and bathroom flooring now because it was on back order. The deposit for this was : $!, XXXX. 
XXXX. These are all things that I personally have taken care of and facilitated before I found a general contractor. My general contractor has not received ONE penny yet of his deposit to even get started. 
XXXX. Electric, insulation, and drywall are the next things that are scheduled and will take the remaining {$5000.00}. 

I had an inspection on Sunday. This inspector reported that only XXXX XXXX of visible work had been completed. Freedom Mortgage said today that I will only be getting {$2000.00} more dollars on my XXXX drawl. I asked them what would I do with XXXX, XXXX dollars, on a house that has a current claim of over {$110000.00} dollars in damages. I asked Freedom Mortgage how would I even be able to give my general contractor his deposit down for him to start working? How would my general contractor begin to purchase siding and gutters for the outside and supplies needed to work? How would any additional work get started to start showing additional results with no money to pay for these items. 

The inspector that came to my house did NOT even ask to see what supplies have been purchased. Nobody at Freedom has asked what supplies has been purchased. I am not sure how any realistic person thinks they will start seeing immediate results when 4 rooms don't have ceilings or any flooring, STILL TODAY. The electric getting serviced by an electrician will cost money. It is important for the safety of me and my home, although this is not exactly something you can take a picture of and prove immediate results with either. But for the inspector that came to my house on Sunday, to come in and not ask about any of the " behind the scene '' production that has been purchased, and supplies that cost money is really unorganized and seems like another ploy to stall. I have a general contractor that is ready to get started but is running a business and requires a deposit. This is entirely expected. 

Again, {$6.00}, XXXX will NOT even be going towards any rebuild of my house. This is the remaining balance for the water restoration company. This water restoration company sent me a certified letter on XX/XX/2022, stating that they plan to file a Mechanic 's Lien against my house. I have this letter if anyone would like to review it. I can't move forward on any of my house, whatsoever right now, and is absolutely uncalled for Freedom Mortgage to offer to give me XXXX additional dollars towards my house that currently has over XXXX in damages too. This XXXX drawl, will not even put a dent in the remaining balance to the water restoration company balance, and should NOT even count towards any part of my house rebuild. The rebuild estimate side is separate than the water mitigation estimate side on my XXXX estimate, yet is lumped in with my rebuild house drawls. If you take the XXXX of my first drawl, and minus the XXXX, XXXX that I paid towards the water mitigation bill, I think I did amazing job at utilizing the XXXX, XXXX towards getting my house started. I need meaningful drawls to pay a GC to start making progress. Otherwise, {$2000.00} will not be going towards any rebuild of my house because it cost money to rebuild a house.