How Can We Help You?

Your escrow payments can change when the cost of your taxes or insurance changes. For example, if your property taxes go up, your escrow payments may increase, as a result.

If your homeowners insurance carrier increases your premium, your escrow payments might go up. If you shop for a new homeowners insurance policy with a lower premium, your escrow payments might go down.

Each year, we analyze your escrow account to make sure we're collecting enough money with your monthly payments to pay your property taxes and insurance premiums when they're due. We also calculate the minimum required balance. This is called an escrow analysis.

We'll send you an escrow analysis statement that explains what we've paid over the past year, a projection of what we expect your escrow costs will be, and your new escrow payment amount for the upcoming year.

When you receive a claim check from your homeowners insurance company for a loss or damage that you sustained at your property, you'll often see that Freedom Mortgage is named on the check, along with the borrowers on the loan. We'll need to endorse this check so you can get cash for repairs.

To open a check endorsement request, contact our Insurance Claims Department at 855-690-5900 . They're available Monday–Friday 8 AM–8 PM ET and Saturday 9 AM–2 PM ET.

You can also start a claim by visiting InsuranceClaimCheck.com/FreedomMortgage and registering for an account.

For many loss claims of $40,000 or less, you'll need to send us the claim check, as well as the insurance adjuster's report.

The process is different for loss claims greater than $40,000 and homeowners with USDA loans. Learn more about working with our loss draft insurance department.

Please contact us as soon as possible if you can't make your mortgage payment. Depending on your circumstances, we may have programs that can help you. We'll need information and documents about your current financial situation to determine whether or not you'll qualify for temporary or long-term relief, including solutions that may allow you to stay in your home.

To get started, please download a Hardship Assistance Request by logging in to your account, selecting Help Center, then Forms. Complete this form and email it to LossMitigation@FreedomMortgage.com.

You can also contact a Customer Care representative who can assist you Monday–Friday 8 AM–8 PM and Saturday 9 AM–2 PM ET. Learn more about mortgage payment help.

You can request a payoff statement by logging into your online account or mobile app. See our payoff statements article for step-by-step instructions about how to request your statement.

You can also request a payoff statement by calling our Customer Care representatives at 855-690-5900. We can help you Monday–Friday 8 AM–8 PM and Saturday 9 AM–2 PM ET.

Additionally, you can mail a request to P.O. Box 50485, Indianapolis, IN 46250-0401 or email a request to FreedomPayoffRequest@FreedomMortgage.com.

We're unable to send your payoff statement to a third party without your authorization. If you need to do that, please make sure that you include a third-party authorization in your request.