Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
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.

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