Freedom Mortgage Review

Overall Score
4.5 out of 5
1.2 out of 5
Loan Volume
Not rated
Editorial Rating
4.7 out of 5


Freedom Mortgage is a lending company with all of the standard refinance loans at affordable rates. They place an emphasis on helping veterans and current members of the military, and are especially known for their VA loans.


  • Their Eagle Eye Program alerts members of rate drops to make getting lower prices easy
  • Wide selection of loan options to suit all needs
  • They focus on supporting members of the military
Freedom Mortgage is a good choice for those looking for one of the more common types of refinances. Pricing varies, but their unique Eagle Eye Program makes it easier to apply when rates are low. For those looking for a VA refinance in particular, definitely consider this company.

Freedom Mortgage Ratings

The team at considers a variety of sources and methods to determine an overall ratings score. First, a lender's Trustpilot score (or TrustScore) is factored in, when available. Truspilot, a third-party review site, is a leading source regarding customer satisfaction and consumer sentiment. From there, for lenders that publicly release their financial statements, we research loan origination volume. Loan origination volume is one way to understand a lender's solvency and transactional reliability. Next is brand strength. For lenders who have met a certain threshold of engagement on, we measure their relative popularity among our consumers. And finally, we offer our editorial ratings, which rely heavily on in-depth brand research and secret shopping.

Editor Ratings

Loan Variety
Loans Offered Include: Fixed, ARM, conventional, FHA, VA, USDA, cash-out
Freedom Mortgage offers all of the major refinance options that most homeowners are looking for. They are one of the top lenders when it comes to VA loans specifically, so homeowners interested in that type refinance should definitely take this company into consideration.*
Freedom Mortgage has average to slightly higher than average costs when it comes to refinancing. Price variance is based on multiple factors, including location, home value, the homeowner's credit score, and the current market. To help buyers get the lowest rates they can, the company has started the Eagle Eye Program to keep members informed when rates drop.**
Customer Service
Freedom Mortgage aims to provide both superb customer support and helpful community support in all that they do. They have a phone number available for customers to call at any point during the refinance process, and their website includes cost calculators to make the decision easier. They give back by making notable contributions to food banks and charities focused on helping veterans.
Company Reputation
Overall, customer response is fairly good for Freedom Mortgage. Customers appreciate the smaller feel the company has, and they enjoy personalized assistance.
Ease of Application Process
Licensed to lend in all 50 states, Freedom Mortgage is easily accessible to all homeowners. As far as their application process goes, they offer a customer service-driven approach. After you fill out an initial interest form online, expect to be contacted directly by licensed loan officers to discuss the right refinance options for you -- while some homeowners would prefer a fully online process, this personalized customer service may prove helpful to those wanting more guidance.
For Lower Credit Scores
Minimum Credit Score: 540-640
With credit score requirements starting at 540, Freedom Mortgage is one of the most forgiving lenders we've come across. Homeowners looking for VA refinance loans in particular will do well looking into this company.
For Higher Credit Scores
Although their rates can be a bit high for customers with low credit scores, Freedom Mortgage has the affordable prices and loan variety needed to suit the refinance needs of most homeowners with high credit scores.

Additional Ratings

Trustpilot Rating
  • Freedom Mortgage has just over 100 reviews on Trustpilot, and currently has a 1.2 rating
  • The company has relatively few reviews available publicly, and most reviews point out the slow service provided by this lender
Loan Volume Rating
Not rated
  • Freedom Mortgage is not currently rated for loan volume
Editorial Ratings
  • We like Freedom Mortgage's focus on providing fair pricing to its customers, as demonstrated by its Eagle Eye rates program. Though smaller than a lot of its competitors, we appreciate that they understand how important low rates are to homeowners.

Company Background

Headquartered in New Jersey, Freedom Mortgage was founded in 1990 with the goal of opening up homeownership to all Americans. In particular, they place a big emphasis on helping those who are serving or who have served in the military.