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 If you feel that any of this information has become outdated or is incorrect please contact us immediately.**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. Short Sale

Freedom Mortgage Short Sale Negotiators. We're On Top.

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Freedom Mortgage Short Sale Process

In most of the cases the investor requires you to first apply for Freedom Loan Modification but once you have been declined for it the process is pretty conventional:

  1. To initiate the short sale process with Freedom we will have to place a call to Freedom Mortgage and talk to their councellor.
  2. Freedom Request for Mortgage Assistance form will be required to be complettely filled along with the supporting documents and finances.
  3. Property valuation will have to be required by Broker’s price opinion (Certain Investors Require Two Interior Inspections)
  4. Terms will have to be negotiated with Freedom Loan Servicing about Short Sale Fees And Costs To Be Paid Out Of The Seller’s Proceeds.
  5. Lender Provides A Response To Short Sale Offer Made.

Whoever who has been through the short sale process with Freedom Mortgage will know that they are not easy to deal with. A lot of turmoils have to be faced. It is very typical thing that you will have to repeat the same processes again and again. It is good for you to know that we will have to run around from department to department during the short sale negotiations. The Loan Modification Department maybe needs to close it out, or the short sale department doesn’t have someone assigned to Freedom Customers Service Department; Above all you need to know better when they are sending you in the wrong direction. Often clients come to us after submitting the wrong information on their application, getting denied, and not being able to figure out what happened. We can help you review any declines.

Freedom Mortgage Short Sale Timeline

It can really help the process if you know what effects the timeline when dealing with Freedom short sale process. These are just a few of the hoops we jump through when dealing with a short sale.

  • For one, Freedom Mortgage is just a mortgage notes service providing company. Freedom Short Sale Application is generally only a piece of what governs Freedom’s mortgage servicing as they have to bide by the PSA or Pooling and Servicing Agreement that sets the rules for each and every loan; This contract is directly between servicer and investor. It is not always an option for Freedom Mortgage to take all the decision themselve. The investor has only allowed the company to take some of the decisions themselve. For decision that they are not allowed to make, they have to get permission from the investor. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from many servicers. The more layers of burueacracy you’re going to deal with the longer it’s going to take.
  • Additionally, The fact that whether you Freedom loan has a sale date or not also effects the short sale timeline greatly. If it comes to that the foreclosure has to be stopped so the short sale process can be completed, the company can be difficult to deal with. If you can get a value completed often your chances of getting bumped up in the process improve greatly. As a loan servicer they have homes being sold at auction every day. Sale dates even for the coming week are not worked with ugency you would expect. As a first come first serve business model it can also be influenced by foreclosure status and proximity to the upcoming sale date (if applicable).
  • Finally, not all negotiators were created equal; This goes for both sides. Often miscomunication is the number one reason while a short sale fails. People become very specialized in this niche of representing homeowners (borrowers) infront of Freedom Mortgage in these financial application processes to find mortgage assistance. Often you will be put though the multiple levels of management including approval from an investor as mentioned above depending on what their total losses are.

Freedom Mortgage Short Sale Timeline Conclusion: Your Freedom Short Sale Timeline will vary based on many different factors. Decisions can be made in house will clearly be quicker than those that have to be sent out for appoval., what the value comes back at from the appraisal completed by Freedom’s Short Sale Department compared to what the offer is that is being made to them, how fast Freedom’s Loss Mitigation department received the Freedom’s Short Sale Application documents are received (readble) and other factors will come together to effect how long it will take for your Freedom Short Sale to be Approved.

If Your Freedom Short Sale Was Denied There May Still Be Options.


How To Fix A Freedom Short Sale Decline?

Often dealing with Freedom Mortgage and how they deal with short sale buyers offers being declined may be confusing. Often they will not be clear not only as to why but if there is anything that can be done to fix it.  Here at ACG we review dozens of points in order to understand why your Freedom short sale offer was rejected. Have us review your declined short sale for free by calling us at 888-934-3444.

Freedom Loan Servicing Contact Information

Freedom Mortgage Customers

Freedom Complaints and Reviews

Freedom Mortgage Reviews

Freedom Mortgage LLC Complaints

Often we have gotten on the phone with a Freedom Loan for one of our Customers where we are given the run arround. They can be very difficult to work with and making matters worse is their rude agents on the phone. When dealing with a Loan Servicing where the people on the phone make you feel like they don’t care getting a straight story can be difficult with your Freedom Mortgage.

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, 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, 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, Orum, UT

1 Star Situations Happen Every Day


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 Know 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 Short Sale News

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**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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