Freedom Mortgage: My Journey To Requesting It

Freedom Mortgage offers a range of options for customers to manage their mortgage payments. Customers can choose to pay online, by phone, or by mail. The Freedom Mortgage mobile app also allows customers to manage their mortgage on the go, with features such as viewing mortgage balance and current loan details, paying bills, and managing recurring payments. For those who prefer paper statements, Freedom Mortgage provides the option to receive servicing notices and other important documents in physical form. Additionally, Freedom Mortgage offers assistance programs for customers facing difficulties in making their mortgage payments. Customers can contact the Customer Service department for support with loan status, escrow accounts, payoff requests, and more.

Setting up automatic payments

Once you have created an account, log in using your username and password. Before making your first payment, you will need to set up your bank information in your account. You will need to provide your routing and checking numbers.

After setting up your bank information, you can set up automatic recurring payments. You can select your preferred bank account to pay your bill. You can also choose to receive personalized offers and manage your account online. It is important to note that online or app payments made on Saturday or Sunday will not be applied to your account until the next business day.

If you previously had automatic payments set up with another mortgage servicer, you should refer to the "Goodbye Letter" you received for information on how to transfer your automatic payments to Freedom Mortgage. Once you receive your new Freedom Mortgage loan number, you can register for access to your loan information online. After registering, log in to your account and select "Manage Recurring Payments" to create a new automatic payment.

Mailing payments

Freedom Mortgage Corporation

P.O. Box 7230

Pasadena, CA 91109-7230

Please note that this address is specifically for mailing payments. If you need to submit any other type of request or documentation, you may need to use a different address. Always check the designated address for the type of correspondence you are sending.

It is important to allow sufficient time for your payment to be received and processed. Any payment submitted after 10:59 p.m. ET will be posted on the next business day. Business days for payment posting are Monday through Friday. If you submit a payment on a Saturday or Sunday, it will not be posted until the following Monday.

You can also set up recurring automatic payments via your Freedom Mortgage online account. This will allow you to view your current payment amount and update your payment frequency. To ensure that your request is processed before your next payment is due, please set up automatic payments at least five business days in advance.

If you are having trouble making your monthly payment, Freedom Mortgage offers assistance programs that may be able to help. Contact their Customer Care representatives as soon as possible at 855-690-5900. They are available Monday through Friday, 8 AM to 8 PM, and Saturday, 9 AM to 2 PM, ET.

Submitting a RESPA Qualified Written Request

To submit a RESPA Qualified Written Request (QWR) to Freedom Mortgage, you must use the designated address:

> FREEDOM MORTGAGE

> P.O. BOX 50428

> INDIANAPOLIS, IN 46250-0401

You can also send a fax to (877) 233-5843 or mail to P.O. Box 50485, Indianapolis, IN 46250-0401.

A RESPA QWR is a request for information about the servicing of your loan or to assert an error. This includes your name, account number, and the reasons you believe your account is in error, or details about the information you are seeking.

Under Regulation X, which implements RESPA, your inquiry will be categorized as either a "request for information" or a "notice of error." The servicer must acknowledge a request for information within five business days and respond within 30 business days. If you are requesting the identity, address, or contact information for the owner of your mortgage loan, this information must be provided within ten business days.

If you are facing foreclosure, it is also a good idea to talk to a HUD-approved housing counselor.

Assistance programs

If you're experiencing financial difficulties, Freedom Mortgage offers assistance programs that may be able to help. These include the Homeowner Assistance Fund (HAF), a federal assistance program with resources for homeowners.

To access these programs, you must first contact Freedom Mortgage's Customer Service department as soon as possible. You can do this by calling 855-690-5900, Monday through Friday, 8 AM to 8 PM, and Saturday, 9 AM to 2 PM, ET. You can also send a fax to (877) 233-5843 or mail to P.O. Box 50485, Indianapolis, IN 46250-0401.

Once you've contacted Freedom Mortgage, you'll need to provide information and documents about your current financial situation. This will allow them to determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home, such as refinancing, repayment plans, forbearance, or loan modification. You can download a Hardship Assistance Request form by logging into your account and selecting Help Center, then Forms. Print and complete this form, then email it to [email protected] or fax it to 1-866-505-0949.

Additionally, Freedom Mortgage offers free access to nonprofit and government financial resource assistance nationwide through SpringFour, a social impact fintech company. SpringFour's platform, S4direct, provides borrowers with access to resources from over 20,000 local governments and trusted organizations in 30 different categories, including mortgage assistance programs, financial counselling, and utilities savings.

The Freedom Mortgage mobile app

Secure and Easy Access

The app offers built-in security features such as secure login with fingerprint or facial recognition, 24/7 fraud monitoring, and multi-factor authentication to protect your sensitive financial information.

Payment and Account Management

You can view your mortgage balance and current loan details, and manage your payments easily. The app allows you to make one-time payments or set up recurring payments. You can also view your payment history and download important documents, such as statements and servicing notices.

Help and Support

The in-app help center provides quick access to answers for common questions and tips. Additionally, you can contact Freedom Mortgage's customer service department through the app if you have queries about loan status, escrow accounts, payoff requests, or payment assistance.

Paperless Options and Notifications

You can go paperless by opting to receive notifications when new statements are available. This not only reduces clutter but also ensures you stay up-to-date with your mortgage information.

Device Compatibility

Overall, the Freedom Mortgage mobile app provides a convenient and secure way to manage your mortgage on the go. With its user-friendly features, you can stay connected to your mortgage details and easily handle payments and account-related tasks from the convenience of your mobile device.

Frequently asked questions