Freedom Mortgage Mortgage Servicing
Freedom Mortgage is one of the largest full-service non-bank mortgage lenders and servicers in the United States, headquartered in Boca Raton, Florida. Freedom specializes heavily in VA loans — it is …
Portfolio Size
$400+ billion servicing portfolio
Customer Service
855-690-5900
Loss Mitigation
855-690-5900
Website
Freedom Mortgage.comLoss Mitigation Programs
Freedom Mortgage offers the following loss mitigation programs. Availability depends on your loan type (FHA, VA, USDA, GSE conventional) and investor guidelines. Not all programs are available for all loans.
Servicing Practices
- Dual-servicing centers in Fishers, IN and Columbia, MD
- VA loan servicing specialization with dedicated VA technician access
- FHA loan servicing with HUD loss mitigation compliance requirements
- Online account management and document portal
- Mobile-responsive servicing platform
- Investor reporting across Ginnie Mae, GSE, and private-label securities
Foreclosure Timeline
Freedom Mortgage generally follows GSE/FHA/VA timelines: foreclosure referral at 120+ days delinquency. Because Freedom specializes in VA and FHA loans — which have enhanced loss mitigation waterfalls and pre-foreclosure requirements — there are more regulatory compliance checkpoints that can slow or block foreclosure. However, Freedom has been cited by the CFPB for HMDA reporting violations, suggesting data management issues that can extend to servicing records. VA loan foreclosures require the VA's review and approval; Freedom cannot unilaterally foreclose on a VA loan without VA concurrence.
Consumer Complaint Patterns
The CFPB complaint data shows Freedom Mortgage borrowers report difficulties in: loan modification application process, payment processing errors (misapplied payments, incorrect escrow calculations), customer service access during hardship, and credit reporting after loss mitigation. VA loan borrowers, in particular, report that Freedom's customer service representatives are not always aware of VA-specific loss mitigation programs — meaning veterans are told 'no options exist' when the VA actually has significant programs available.
Regulatory Actions & Enforcement
In 2023, the CFPB and DOJ took action against Freedom Mortgage for alleged discriminatory lending practices under HMDA and ECOA. Freedom was also subject to a CFPB consent order addressing compliance management deficiencies. The DOJ filed a redlining lawsuit against Freedom Mortgage related to its lending practices. These enforcement actions indicate systemic compliance management issues that may extend to servicing and loss mitigation operations.
Homeowner Tips for Working with Freedom Mortgage
1. If you have a VA loan, call the VA directly at 877-827-3702 BEFORE engaging with Freedom's loss mitigation department — the VA will assign a loan technician who can independently review your options and advocate with Freedom. 2. If you have an FHA loan, reference FHA-HAMP by name and request a complete loss mitigation review under HUD Mortgagee Letter 2024-02 (or current version). 3. Submit documents via certified mail with return receipt, even if Freedom accepts online uploads. 4. For VA borrowers: the VA Refunding Program allows the VA to purchase your loan from Freedom and service it directly — ask about this if you encounter resistance from Freedom. 5. If Freedom denies your modification, appeal in writing and request the specific investor guideline that precludes the modification.
How Professional Law Assist Helps with Freedom Mortgage Foreclosures
Freedom Mortgage's strength in VA and FHA lending means our clients with government-insured loans have enhanced loss mitigation rights that Freedom's first-tier representatives sometimes fail to identify. We escalate to Freedom's compliance and legal departments armed with the specific HUD Mortgagee Letters, VA Circulars, and CFPB regulations that govern your loan. The combination of our loss mitigation expertise and our ability to identify regulatory violations creates strong leverage for securing a positive outcome.
Get a Free Case Review →Frequently Asked Questions — Freedom Mortgage
I have a VA loan with Freedom Mortgage — is the VA really involved in my foreclosure?▼
Why does Freedom keep asking for documents I already submitted?▼
Can Freedom Mortgage offer a loan modification with principal reduction?▼
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