Freedom Mortgage Reviews: What Real Customers Are Saying in 2025
When it comes to choosing a mortgage lender, trust and reputation are just as important as rates and loan products. In 2025, Freedom Mortgage reviews reveal both positive experiences and common challenges faced by borrowers.
If you’re considering applying for a loan, here’s what real customers are saying.
Is Freedom Mortgage a Legitimate Lender?
Yes. Freedom Mortgage is one of the largest privately held mortgage lenders in the United States, serving millions of borrowers since 1990. The company is fully licensed and regulated, with a strong focus on government-backed programs like FHA, VA, and USDA loans. Its size and long-standing presence in the market make it a legitimate and trusted lender.
What Customers Like Most About Freedom Mortgage
Positive reviews often highlight:
- Wide variety of loan options, especially FHA and VA programs
- Accessibility for lower credit borrowers who may not qualify elsewhere
- Competitive refinancing options that help reduce monthly payments
- Online tools and resources for managing loans conveniently
- Experienced loan officers who guide first-time buyers
For many borrowers, the combination of government-backed products and digital tools makes Freedom Mortgage appealing.
Common Complaints About Freedom Mortgage
Like any large lender, Freedom Mortgage receives some negative feedback. The most frequent complaints include:
- Longer processing times during busy periods
- Escrow account issues, such as misapplied taxes or insurance payments
- Customer service delays when trying to reach the right representative
- Higher fees compared to some online lenders or credit unions
These challenges are not unique to Freedom Mortgage but are worth considering before applying.
Freedom Mortgage BBB and Trustpilot Ratings
- Better Business Bureau (BBB): Freedom Mortgage maintains a B rating (2025), reflecting its large customer base and responsiveness to complaints.
- Trustpilot: The company averages around 3.9 out of 5 stars, with many reviews praising its VA loan expertise and refinance programs.
- Google Reviews: Scores vary by region, but customers often highlight positive experiences with loan officers.
How Does Freedom Mortgage Compare to Competitors?
Compared to traditional banks, Freedom Mortgage often provides:
- Easier approval for borrowers with less-than-perfect credit
- A wider selection of government-backed loan products
Compared to fintech or online lenders, it offers:
- More options for VA, FHA, and USDA loans
- But sometimes slower processing and higher fees
Freedom Mortgage is best suited for borrowers seeking government loan programs, while tech-savvy borrowers may find faster service with digital-first competitors.
Should You Apply for a Freedom Mortgage Loan in 2025?
If you’re looking for FHA, VA, or USDA loans—especially as a first-time buyer or veteran—Freedom Mortgage is a strong contender. Its reputation, range of products, and nationwide reach make it a reliable choice.
However, if you prioritize lowest rates or ultra-fast approvals, it’s wise to compare offers from credit unions or online lenders before deciding.
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