Freedom Mortgage is a predator a vultures ready to eat your carcass- BEWARE

I was having cancer treatment, with reduced income due to medical leave plus I had deductible and co-pays on medical bills, I asked Freedom Mortgage for a forbearance for hardship caused by medical reason. They told me I was approved, but never sent me a letter of approval with dates and terms. The agent told me, if my account says no payment due, then I am all set. He told me I didn't need to provide any documents.

About 3 and half months later, I receive a forecourse notice. I was ready to start paying again anyways. But they told me that the forbearance means I have to pay all the arrear during the forbearance period at once or lose my house. When the forbearance started, i was current. If i could not pay, because of cancer treatment, where will I find $13,000 at once after the treatment, when I just resume working. Besides, they told me I could extend the forbearance for up to 12 months, so I asked to extend it, while I pay the current and arrear. i asked for about 3 months.

But, they are vultures, they are just waiting for you to be at your lowest, so they can feed on your corpse. Even though i paid $4,000 upfront towards to $13,000 offered to pay another $4,000 in 2 to 3 weeks. and at least another $4,000 in an additional 30 days, and expected to be current an additional 30 days after that, they told me they will review and get back to me. 2 weeks later, they told me my only option is to accept for them to change my interest rate from 3.25 percent to 6.65 percent, while they add my remaining $9,000 to my capital. Effectively refinancing my entire low interest mortgage for an interest rate twice as high for the $9,000 arrear.

Why would I agree to more than double my 30 year fixed Mortgage Rate, for what is at this time $9,000 arrear, which i could makeup for in about 3 months; while I have an FHA loan, which qualifies me for lost mitigation, especially for cancer treatment?

Before they even sent me the letter, before I accept, (which I would never) they went on and modified my mortgage, changed my monthly payments from $1,800 $2,100 based on their proposed refinancing scheme. And they turned off my original payment option, leaving only the new proposed modification, while telling me in the letter I received much later, that by paying the $2,100 I accept the modification scheme. Still, I can't make regular payments. Lucky for me I had read the whole document, because deep into the several page mortgage modification proposal, only once, in the middle of a fine print, they said that the Mitigation plan rate will be 6.65; without explaining this is a refinance of my whole mortgage.

I am still not allowed to make payment on my original term, and when I tell the agent I decline the offer, she told me as soon as they remove the proposed lost mitigation plan, my house will go into foreclosure. Also, they erased all my payment history, the $4,000 payment I had made a week ago is not even shown. I am not too worried, because once i make another $5,000 payment, i will only be $4,000 i arrear, which I am ready to make, I don't think they can foreclose on 2 months arrear.

Anyways, I am posting because reddit postings have helped me avoid being victim a lot, I hope someone will read this and be aware, if they are in the same situation. The whole idea of forbearance is a scheme to entrap you. also, read the whole documents, because these people are just waiting to eat you alive.