Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX File No XXXX In reply refer to XXXXXXXX XXXX XXXXXXXX : XXXX Veteran and co-payor were residing in their first Freedom Mortgage financed home in Indiana and have never met XXXX  XXXX Realtor XXXX XXXX, who recommended XXXXXXXX XXXX XXXX Officer XXXX XXXX and Underwriter XXXX XXXX and obtained VA Appraisal and Fungi Report ( attached ). Veteran 's Home XXXX  Clinical Social Worker notified Property Manager about disabled furnace and abundant mold growth, and voiced concern that heating & mold conditions merited XXXX XXXX XXXX for clients over XXXX. Property Manager XXXX XXXX requested waiting until XX/XX/year> when the complex connects with natural gas heat. On that date, the veteran 's furnace switch was cut off. Vet 's spouse/caregiver was instructed to buy space heaters. Abundant mold is readily visible on furnace parts and a bedroom air vent. Complaint was made to the Realtor that the disconnected thermostat and hallway closet containing a " functional furnace '' were not included in the Appraiser 's floor plan and photos. Auto setting on thermostat is disabled with no circulating air in the unit. Underwriter XXXX XXXX chose Freedom Mortgage for account proximity with another house we are paying with an {$18000.00} balance. Spouse co-owner has $ XXXXmonth social security income . The primary owner veteran is 100 % service connected XXXX, and no circulating air presents a high risk for complications to pre-existing interstitial XXXX XXXX. The realtor does not respond to complaints. XXXX Clinical Social Worker is recommending relocation due to violations in non-working heat and inaccurate fungi report. Note is made that the wood eating insect & fungi report was the first document obtained by Underwriter XXXX XXXX on XX/XX/year>. XXXX XXXX requested that I obtain a second one just before closing, but Loan Officer XXXX XXXX discouraged doing so, and informed me that XXXX XXXX had completed loan documents in XXXX. The veteran 's home XXXX  status collaborates a photo of outdoor HVAC in reference to " functional utilities ''. The documents obtained by Realtor XXXX XXXX are reassuring of veterans requirements with no repairs or exposed wiring, and in fact, state the structure has been well maintained. Appraiser continues that no physical deficiencies or adverse conditions exist that affect the livability, soundness or structural integrity of the property. Opening the windows at the complex is discouraged due to noisy shipping container traffic on the roadway below. Freedom Mortgage account paperwork by XXXX XXXX is available, but contacting the Appraiser with the given phone number found disconnected service. On XX/XX/XXXX, XXXX XXXX responded to furnace photo complaint with instructions that home owner needs to change the furnace filter. Realtor 's Condo Documents were never delivered, and $ XXXX HOA was paid on XXXX with no guidelines for veteran 's correction of violations. XXXX XXXX of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX did give detailed instructions for paying for a damaged front door not photographed by the Appraiser - ( exposed wiring from incomplete doorbell installation, dysfunctional doorplate resulting in unlocked door ). No remedy for airduct mold and no air circulation offered.

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