If Freedom Mortgage is falsely claiming that you missed payments, not correctly communicating with you, or denying you loan modification services, contact us today. These violations could lead to financial compensation and/or leverage for homeowners but often get swept under the rug. Homeowner Rights In ForeclosureĪs a homeowner in New Jersey, you have the right to:īanks and mortgage servicers are notorious for making mistakes that violate the law and your rights. It’s important to know who your mortgage servicing company is from the beginning so you know who to reach out to for important information regarding your foreclosure and loan modification options. In most cases, the foreclosure process can be time sensitive and require that homeowners communicate with their servicers as soon as possible in order to get the best results. However, failing to act when you receive a notice of foreclosure from Freedom Mortgage immediately may result in a foreclosure in as little as 6 months. If you have received a Notice of Intent to Foreclose or other notices from Freedom Mortgage, they may or may not own your mortgage loan. Some owners will also be the mortgage servicer of your loan, but some owners hire a second party to act as the servicer of the loan. The owner of your mortgage loan is the bank or mortgage company that originally gave you the mortgage loan that allowed you to purchase your property. Who Is Freedom Mortgage? Why Are They Foreclosing On My Home?Ī mortgage servicing company, also known as the mortgage servicer, is the company that handles your mortgage loan and often gets confused with the owner of the loan. Make sure you have an experienced foreclosure defense attorney by your side that will navigate you through the process and give you a fair chance at obtaining a reasonable outcome. Freedom Mortgage pursues a foreclosure or sheriff sale while your loan modification application is still being reviewedĭealing with Freedom Mortgage can be stressful.Freedom Mortgage refuses to accept a mortgage payment or reinstatement.
Freedom Mortgage denies a loan modification.Freedom Mortgage refuses to honor or review your loan modification.Freedom Mortgage declares you in default and threatens foreclosure even though you are up-to-date on your mortgage loan payments.If any of these or other situations have happened to you, the law office of Denbeaux & Denbeaux Law may be able to help: Whether or not you should actually be foreclosed on by Freedom Mortgage, you may have options. Mortgage servicers like Freedom Mortgage must comply with federal laws regulating the foreclosure process in New Jersey that prevent servicers from certain inappropriate practices that violate homeowner rights. However, the company's scores are used to determine your overall survey score often times resulting in you scoring a perfect survey for your call with an amazing note left by the customer you helped but the company - more.Are you behind on mortgage payments and are being foreclosed on by Freedom Mortgage? Deciding what step you should take next can be hard, that’s why Denbeaux & Denbeaux Law wants to make it easier for you. The same thing goes for their customer call survey, it is a combined survey not only scores how the customer feels about their interaction with you on that particular call but their overall satisfaction with the company as a whole.
Like a FCR goal, this is a mortgage company, and you are dealing with customers who are facing foreclosure and at risk of losing their homes, even when you give them top-quality service and solve all their issues in your interaction with them they are still scared and anxious about losing their home and tend to call back often to check in and up on applications and other things wrecking your FCR and preventing you from getting your bonus. They have a bonus structure each month that has metrics you need to hit that are out of your control and have very little to no control over. You are constantly getting calls from customers who have spoken to agents that gave them bad or out right wrong information making your job that much harder. They do not train their agents very well at all. They advertise a one-hour lunch however they cut it down to half-hour every day due to mandatory overtime. They claim to care about work-home life balance but constantly schedule you for overtime daily. This company has a great way of sounding great and amazing during your interview and training process, then once you get assigned to a team they show true colors.
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