Mortgage -- Closing on a mortgage -- Complaint #16214562
Complaint Overview
Complaint ID: 16214562
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: VA mortgage
Issue: Closing on a mortgage
Sub-Issue: Closing disclosure or other related disclosures
State: Wyoming
ZIP Code: 824XX
Date Received: 2025-09-26T12:00:00-05:00
Date Sent to Company: 2025-09-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I was originally contacted in XXXX because I was eligible for a refinance on my current home loan through Freedom Mortgage. I was told that it would be a simple process and I wouldn't have to pay that months Mortgage payment. It was originally never explained to me that I would need to hold on to the Mortgage payment for closing costs. I scheduled a closing date ( to which they cancelled without telling me ). When i contacted Freedome Mortgage, I was transferred 4 times. None of which could tell me what was going on. I finally got to closing with the title company and they showed me the disclosure which asked for around {$1100.00} in closing. I obviously did not have that or know i was supposed to bring that to closing. I delayed closing until after I got paid again later in the month. I was notified by the title company that my cost would be around {$1000.00} on my next closing XX/XX/XXXX. I had to move the closing day, XXXX days later so my wife could be there. I was notified the DAY before ( by the title company, not freedom mortgage ) that my closing cost went up to {$1600.00}. I did not have an extra {$500.00} so I did not close. Now I am a month behind on my mortgage with no way to catch up due to horrible communication on Freedom Mortgages part and they now will not close until I make the late payment.
Frequently Asked Questions
What is Complaint #16214562 about?
Complaint #16214562 was filed against Freedom Mortgage Company regarding Mortgage specifically about Closing on a mortgage. It was received by the CFPB on 2025-09-26T12:00:00-05:00.
How did Freedom Mortgage Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Freedom Mortgage Company?
Yes, visit the Freedom Mortgage Company company profile at readthecomplaint.com/company/freedom-mortgage-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.