The worst customer service I have ever experienced. I have ref
-fied before and the length of time and paper work were far less than with Freedom. My mortgage was through State Farm Bank whom I loved, but Statefarm no longer does mortgages and transferred my mortgage to these people. It is a huge company and they do not care about customers at all. Every person you speak with gives you different information and they will straight lie to your face. Their reps will tell you what you want to hear because come to find out they are commissioned based. Beware of this company it is all about the money. I recently got married and wanted to refi my loan to get my husband's name on their and pull out a bit of money to upgrade the floors and a couple other projects. The total of what the loan would be (180,000) with the cash out is still less than half what the house is worth as it sits without the up grades and it has taken hours of my time on the phone and months of back and forth. I'm at the point I'm about to go through the withdrawal process and go with a local lender who offers a better rate. read more