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Freedom Mortgage Review 2026
Last updated on June 1, 2026
Written by
Senior Writer/SpokespersonWritten by
Senior Writer/SpokespersonMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
3.0
Home loans overall
NerdWallet rating
The Nerdy headline:
Freedom Mortgage does big business in VA loans, and it services most of the home loans it originates. But Freedom doesn't display mortgage rates online, and customer service options are limited. Most likely to appeal to borrowers who want to work with the same lender after closing.
Jump to:Full Review
Freedom Mortgage: NMLS#2767
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA
Pros
- Wide variety of government-backed loans
- Services most of the loans it originates, so your mortgage is less likely to be resold to another lender.
- Originates more VA loans than most lenders reviewed by NerdWallet.
Cons
- Customer service options are limited.
- APRs are not competitive.
- No mortgage rates displayed online.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: Freedom Mortgage loan options
Freedom Mortgage is a nonbank lender based in Boca Raton, Florida. Loans are available in all 50 states, plus the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
Freedom offers a strong selection of government-backed loans. However, FHA 203(k) and other renovation or construction loans are not available.
🏠 Common mortgages
• Fixed or adjustable rate
• Conventional
• Jumbo
• FHA
• VA
• Rate-and-term refinance
🔑 Specialty loans
• IRRRL
• USDA
• Self-employed
• Manufactured homes
💵 Home equity
• HELOCs
• Cash-out refinance
Freedom Mortgage special offers and discounts
Freedom Mortgage offers a couple of ways to get cash back, though they aren't especially generous compared with other mortgage lenders.
- Freedom's Purchase Promise pays buyers up to $1,000 if their loan doesn't close on time because of a lender issue.
- Home buyers who work with a Freedom Homes partner agent can get $1,000 in cash back; sellers working with a partner agent can save 1% of the home's purchase price on agent commissions. Folks buying and selling at the same time are eligible for both.
What does Freedom Mortgage specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages Freedom Mortgage handles most often.
Freedom Mortgage stands out for its extensive government lending. For overall volume of VA purchase loans, Freedom came in second among lenders NerdWallet surveyed. Freedom's APRs for VA loans are not competitive, however, according to the latest federal data.
How we score Freedom Mortgage
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
Freedom Mortgage earned a 3-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Poor
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Average
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Fair
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Good
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Poor
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored Freedom Mortgage. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
Freedom Mortgage reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from J.D. Power and Zillow and we contacted the lender’s customer support.
2025 J.D. Power U.S. Mortgage Servicing Satisfaction Study
600
out of 1,000
Slightly above-average satisfaction score: average = 596.
A mortgage servicer handles loan payments.
Zillow Mortgage Lender Customer Rating
4.8
out of 5
Average rating as of the date of publication.
Rating reflects almost 2,000 customer reviews.
Freedom Mortgage customer service options
Here’s how you can get in touch with Freedom Mortgage.
Ways to reach Freedom Mortgage
Physical branches . . . . . . 🚫
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . ✅
Online chat (bot) . . . . . . . 🚫
Online chat (human) . . . . 🚫
🤓 Our Nerds say... use your phone as a phone
Kate Wood, lead writer/lending spokesperson
Though Freedom Mortgage has a mobile app, it's not especially helpful for a potential borrower. (If you're an existing customer looking to make a mortgage payment or manage your loan, definitely download it.) There's not a chat option, so to work with Freedom you'll have to use your phone as an actual phone. That includes learning about mortgage rates, since Freedom Mortgage does not post rates online.
» MORE: How to apply for a mortgage
Alternatives to Freedom Mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
If you're looking for a government-backed loan, Rocket does a substantial business in FHA loans, while Veterans United originates the most VA loans in the U.S.
NerdWallet contributors Chris Jennings and Isabella Angelos assisted with reporting this piece.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.