Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX I was contacted my Freedom Mortgage representative XXXX XXXX which stated he was a loan adviser NMLS # XXXX XXXX NMLS # XXXX. He stated that he could offer me a lower rate on my mortgage if I refinanced with them, through an FHA streamline refinancing. I informed him at the time that I had a second mortgage through XXXX  and that I was told they will not subordinate the loan. I was told by Mr. XXXX that it would not be a problem, and they would be able to refinance my FHA loan through a FHA streamline refinance even with the second mortgage and XXXX XXXX not willing to subordinate. I sent in the requesting documentation on XX/XX/XXXX and sign the agreement to apply for the refinance. 

On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX closing a title clearing coordinator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX requesting proof of a utility lien from the county of XXXX that I had paid off. I sent in proof of the release of the lien and that it had been paid. 

On XX/XX/XXXX I received another email stating I needed to sign more documents because they needed to extend the time to process my loan. I proceeded to sign the documents as requested. I also sent in documents to XXXX  docs the email address provided by Freedom mortgage that contained my payment history to XXXX ( 2nd mortgage loan ), a loan detail statement, and a payment history from XXXX that were requested by Mr. XXXX from Freedom mortgage on XX/XX/XXXX. At this point I reiterated that I have a second mortgage and I do not believe they will subordinate the loan and I was told it would not be an issue. 

On XX/XX/XXXX I received an email requesting that I sign more documents extending the loan time, and terms offered because they needed additional time to process my loan. 

On XX/XX/XXXX I received an email by a person named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX O : XXXX F : XXXX XXXX : XXXX who stated they are a " customer advocate '' and they requested the same documents previously provided. They requested bank statements showing payments to XXXX XXXX, proof of payment history to XXXX and a copy of the note from XXXX. I informed the representative that I was told they will not subordinate and they provided reassurances that it would not be an issue. I sent in the requested documentation even though I had already sent it to Freedom Mortgage previously. 

On XX/XX/XXXX I received an email stating I needed to sign loan documents once again extending the terms to refinance my FHA streamline refinance. 

On XX/XX/XXXX I received a call from XXXX XXXX of Freedom Mortgage requesting the release of lien documents from XXXX XXXX  XXXX  that I had already previously sent to XXXX XXXX from XXXX closing in XXXX. I also forwarded this document to XXXX XXXX as requested by XXXX XXXX. 

On XX/XX/XXXX I received a follow up email from XXXX XXXX saying that is not what she was requesting and that she wanted once again the note from XXXX. I told her that I had already provided all the documents they requested and I wanted to know why they were requesting the same document multiple times. I expressed concerns about their ability to refinance my loan and I was provided assurances that they were able to refinance. They then informed me they were sending my loan to the closing department to complete the process. 

Today XX/XX/XXXX I received an email from XXXX XXXX stating that I need to provide proof of the release of judgement from XXXX XXXX XXXX. The email stated that it was in the amount of {$10000.00}. When I replied I informed Ms. XXXX that I have no knowledge of any judgements against me or my property, and the I did a county record search and no such lien or judgement came up. I did not receive any response. I did notify them that my second mortgage was in that amount of XXXX but it was with XXXX  and the current balance is XXXX and the loan is current. I was then told by a telephone representative that they have all the supporting documents and that they do not need anything else. 

I do not believe that Freedom mortgage is able to refinance my loan at this point, and I believe that they are continuing to attempting to mislead me and obtain personal and financial information from me illegally by saying that they are going to refinance my loan.