Mortgage -- Closing on a mortgage -- Complaint #18143628

Complaint Overview

Complaint ID: 18143628

Company: Freedom Mortgage Company

Product: Mortgage

Sub-Product: FHA mortgage

Issue: Closing on a mortgage

Sub-Issue: Trying to communicate with the company to fix an issue with the loan closing

State: Texas

ZIP Code: 78045

Date Received: 2025-12-03T12:00:00-05:00

Date Sent to Company: 2025-12-03T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To the Consumer Financial Protection Bureau, I am filing a complaint regarding my mortgage servicers handling of my COVID-19 forbearance repayment. I believe I was misled, not properly informed, and not provided the disclosures required by federal guidelines. As a result, a {$50000.00} subordinate lien was placed on my home in XXXX XXXXXX/XX/XXXXwithout my informed consent. Background During the COVID-19 forbearance period, I contacted my servicer to bring my loan current. I was specifically told that my missed payments would just go to the end of your loan. Based on this information, I agreed to the repayment option they offered. At no point did the representative explain that : my skipped payments would become a recorded subordinate lien, the repayment would take the form of a HUD Partial Claim or deferral lien, the lien would need to be paid in full if I refinance or sell, or a new mortgage note was being created and attached to my title. I was not informed of any lien, nor was I given a clear disclosure or explanation of the legal or financial implications. I do not recall signing any document authorizing this lien. I recently discovered it while checking county records. Concerns I believe the servicer may have violated federal servicing guidelines by : Providing misleading or incomplete information about the repayment structure. Failing to disclose the creation of a subordinate lien. Failing to provide required documents or obtain valid signatures authorizing the lien. Misrepresenting the terms of the forbearance repayment, leading me to believe payments were simply deferred. Recording a lien without informed borrower consent. This has caused confusion, distress, and potential financial harm. What I am requesting I am requesting that the CFPB require my mortgage servicer to : Provide copies of all disclosures, agreements, and signatures they claim I completed regarding the lien. Provide a full explanation and timeline of how the lien was created and recorded. Explain why the lien was not disclosed clearly and truthfully, especially since I was told the payments would go to the end of the loan. Confirm whether the lien amount is accurate and whether improper fees or charges are included. Explain whether HUD or federal COVID-19 servicing guidelines were followed. Correct any misrepresentation or improper lien activity, including potential lien removal if the servicer can not demonstrate proper disclosure and authorization. My information Name XX/XX/XXXXServicer Name : Freedom Mortgage Thank you for your attention to this matter. I appreciate your help in ensuring my mortgage was serviced in compliance with federal regulations. Sincerely, XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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