Information Disclaimer: Not Your Loan Servicer (Read More)

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

Freedom Mortgage Corp. Loan Modification

Get Help With Your Freedom Loan Modification

Talk To A Specialist Who Knows How To Deal With A Freedom Mortgage.

Get Help With Your Freedom Loan Modification

Talk To A Specialist Who Knows How To Deal With A Freedom Mortgage.
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Freedom Mortgage Modification Process

The Freedom Mortgage Loan Modification process follows the typical workout protocol:

  1. Phone Interview Phone interview with the customer servicing agent is the triggering procedure of the Loan Modification process.
  2. Submit A Complete Package Freedom Mortgage Assistance Package will have to be completed and submitted with the supporting documents.
  3. Freedom Broker’s Price Opinion A Property Valuation is Completed (If, Applicable) – Often this may also be done via an automated valuation model (AVM)
  4. Negotiations Terms of The Modification Review Are Processed, Negotiated and Sent To Underwriting for approval.
  5. Modification Response Servicer Provides A Response

Sadly the loan modification process with Freedom Mortgage is never this easy which is why we, Absolute Consultant Group (ACG), are here to support homeowners through the process. During the Loan Modification process with Freedom Mortgage it is very typical that you will have to go around in circles. Its also possible that you will have to submit the package and the documents repeatedly. Getting transfered around the company from department to department having you run around from Freedom Loan Modification Department (Loss Mitigation) to Freedom’s Customer Service Department is also quite normal. Submitting the wrong information on your application, getting denied, and not being able to figure out what happened is why coming to our staff can help you avoid a lot of heartache. Our staff is available to review your paperwork and to help you step with the best foot forward. Call us at 888-934-3444.

Freedom Mortgage Loan Modification Timeline

Companies such as Freedom Mortgage has a lot of bureaucracy involved. Freedom Mortgage’s  Loan Modification timelines vary often on things that are straight forward but not always. Here are a few of the reasons this question has such sticky answers.

  • For one, Freedom is only a mortgage servicing company. They usually represent debt on someone else’s behalf. This limits all decision making ability for Freedom Mortgage. As a mortgage note servicer they have to abide by their Pooling and Servicing Agreement (PSA). They have an agreement with each and every investor. The investor delegates the company to make decisions in some of the cases only but not for all the cases so for the cases that they are not delegated to make a decision they have to get approval from the investor. Investors like Fannie Mae (FNMA) and Freddie Mac (FHLMC) often take the decision making authority into their own hands. In a heavily regulated business the more hands involved in each review the longer it takes leaving Freedom Mortgage with their hands tied.
  • Another issue, affecting the modification timeline is priority. Priority is often governed by when the application was first submitted but it may also be governed by other factors also. This business is a first come first service until you ask if, “Does my Freedom Loan have a sale date?” If you have a pending auction date it is likely they will attempt to review you sooner. You have to keep in mind though that servicers, such as Freedom, have foreclosure dates for homes almost every day. Even a week from today is not worked as quickly as you might want because of foreclosures going to sale happen so often and in such a large volume. Remember this business is a first come first serve but it is also influenced by foreclosure status and proximity to the sale date.
  • Lastly, not all mortgage workouts were created equal. There are a large number of programs each with its different terms for how they would modify your loan. Typically, if the first modification type doesn’t work they will review you for the next one, and so on, until they find a mortgage solution that works. Departments due to this “waterfall” process are often very specialized so many times different representatives handle different parts of the review. An example of this is how Loan modification negotiators review only loan mods while short sale negotiators only review short pays (discounted payoffs).

Freedom Mortgage Loan Modification Timeline Conclusion: While it would be nice to give our clients  a specific turn around time for their modification to be reviewed. The timelines will vary greatly from customer to customer. Whether the decision can be made by the servicer themselves or if they have to send it  out for the investors approval, whether you fit the first plan you are reviewed for or the 11th plan, along with factors outside the bank including but not limited to how fast they are able to get their property values back from valuation companies, how fast documents are received legibly on their end and much much more all effect how long it will take for your Freedom Mortgage Loan Modifiication to be reviewed.

If Your Freedom Mortgage Has Been Denied. It May Not Be Too Late


Dealing With A Freedom Mortgage Loan Modification Decline

Often dealing with a Freedom Loan Modification Decline may be confusing. Understanding the details of all the plans and how that conflicts with your information is key. Here at ACG we have dozens of points we review in order to understand why your Freedom Mortgage loan modification was rejected. Have us review your declined modifcation for free by calling us at 888-934-3444.

Additional Freedom Mortgage Contact Information

Freedom Customers

Freedom Mortgage Complaints


Freedom Mortgage Loan Modification Reviews

 Freedom Loan Modification Complaints

Freedom is a large company and the rules are literally changing every day. There are a lot of departments and even more hands in the pot of each case that making it through the system can be a real drag. It doesn’t have to be though and that’s where we come in. Give us a call and see how we can help you with your loan modification. Call 888-934-3444.

Freedom 1 Star Reviews

Freedom 1 Star Review:

Payoff department is incompetent.  Letters received with charges that are incorrect.  Call department, errors acknowledged, but charge a fee to send corrected letter.  You have to pay them to fix their own mistakes!! OR….pay the wrong amount and hope they refund the mistaken charge!!!

Margaret A., Elk Grove Village, IL

Freedom 1 Star Review:

BEWARE of this lender, service provider! I inherited them like most of you, but if you have the choice run far. They recently changed my escrow up by $700 claiming due to tax and insurance. However, they decided to charge me late fees since my payment was short by $700 due to automatic withdrawal from my bank. However, they refused to post my payment and charge me the entire balance. When I spoke to their rep they refused and said that it was their policy. They even reported me to credit agencies which subsequently killed my rating. I’m in process of reporting this bank to BBB and suggest you all do same.

Keith S., Riverhead, NY

Don't Be A 1 Star Review


Don't Be A 1 Star Review


Freedom 1 Star Review:

Freedom Mortgage bought our loan and they are a complete mess. Their departments do not communicate with one another and you have to call several times to figure anything out. They say they will do things that they don’t follow through with. They haven’t been applying the extra money we’ve been paying to the following month’s payment or to principal. We are in the process of trying to figure out where it is being applied. We’ve had several random $15 “payment fees” when we’ve only ever paid by check or online and even had 2 of those fees in the same day. We are paying $2000 over into our escrow per year and they refuse to lower our monthly payment. I wish there were a zero stars option, they don’t deserve even one.

Alexa S., Orem, UT

1 Star Situations Happen Every Day


ACG 5 Star Reviews

ACG 5 Star Review:

Tried modifying my mortgage loan on my own, twice actually, but no luck. Until I called ACG. [I] got my loan mod approved and all is well.

Michael, Woodland Hills, CA

ACG 5 Star Review:

We were struggling trying to get assistance in keeping our home for over a year when I was introduced to ACG Today both my homes are modified and our family has a chance for a fresh start.

Patricia, Porter Ranch, CA

ACG 5 Star Review:

I have worked with [the] team personally and professionally referring them many clients over the past few years. If you need help with a loan modification, short sale, or want to avoid foreclosure I highly suggest you use Absolute Consultant Group!

Daniel, Santa Clarita, CA

You Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your Freedom Mortgage.

You Know You Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your Freedom Mortgage.

Freedom Loan Modification Mortgage News

Quicken Loans Foreclosure Process

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

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