Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have been trying to get a hardship loan modification since XXXX of XXXX. I have let them know I don't understand any of the steps to take and that I was trusting them wholeheartedly and followed all there given steps at which this unfortunately has created our hardship to become worse. The steps given were followed to to a " T '' and this created us to lose out from the ability to be sent over for XXXX program. This has also created the use of two forbearances in which I was told was just the standard steps of achieving a loan modification at the end of the second forbearance I was then told we were approved for the needed modification. And was simply told to sign the given documents. The issue is our hardship requires a lower payment where the given added 29 years to our loan and worse added to the interest rate to go up by more that XXXX percent. Where this additional interest rate creates the defeat of the purpose given to our hardship where it has in fact been made even worse by the acts given as told by Freedom Mortgage. And where there is even more errors within the documents where they have the deed listed wrong. And the deed information has been provided to them all along. I have made them aware of these errors as well as stated that because of these known errors I fear there could be even more errors so I request a review and I am getting no where aside from further behind creating our hardship to become worse! Our hardship stems from the permanent loss of income due to the death of the XXXX XXXX  Veteran XXXX XXXX XXXX XXXX XXXX XXXX. With the fact of the low 27 % loan to value this is not a high risk loan as I do believe gives way to where it is not only possible it deserves to have a modification that truly serves the hardship of which we in fact have. Freedom Mortgage needs to be held accountable for their misguidance that has proven to be of no help in fact they gave way to the greater value in our arrears. I have told them time and time again this is creating harm to my health for I am so stressed over this problem where Freedom Mortgage has made this problem to be very problematic. Where they have not enabled me with the bases of holding the full truth. Had I been given the full truth at the beginning I would have not made the payment I made back in XX/XX/year> where not making the payment then we could have made the way to the XXXX program for we had fulfilled all the requirements needed. I did not know until it became too late and the program closed. I have since learned that our President has since signed a new Federal Law that is supposed to give way too. But the fact remains we are not getting help where justice is due. Please this is our beloved house and home and we intend to keep it ours. We will protect this in all ways possible we don't want to become homeless. My attempts to get the errors corrected have failed. And now I am actually getting hand written notices taped to my front door stating this is an attempt to get in touch with me during the time I was in fact home! No knock or a ring of doorbell was given! And worse the notice states I was approved for a modification and they are waiting for my response! I have responded in the fact of I told them if the errors within and that I need the corrections made so that I can sign the given. I can't sign documents with known errors that's WRONG FOR ANYONE TO DO. IM NOT STUPID! I am XXXX and depend on this house as I have resided in this house with my parents for over the last XXXX and I am the Legal POA over this mortgage as given by XXXX XXXX XXXX the second holder of this loan where she too is the surviving wife of the Late VA Veteran XXXX XXXX XXXX where I am the natural daughter to them both equally. I'm reaching out in my faith that you will help to get this problem resolved where we all can finally rest in our home. Respectfully XXXX XXXX XXXX together with my mother XXXX XXXX XXXX

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