Freedom Mortgage Foreclosure Defense in New Jersey

FHA and VA loans have extra options

FHA-insured loans serviced by Freedom follow HUD's loss mitigation rules, which include a partial claim (an interest-free HUD lien that absorbs the arrears and brings the loan current), loan modification, and combinations of both, plus a formal pre-foreclosure sale program for short sales. VA-guaranteed loans have their own servicing rules and, in some periods, a VA purchase or servicing program for defaulted loans. These programs exist by regulation; the servicer must evaluate you for them when you apply.

Because Freedom is a New Jersey company, its foreclosure filings here are routine and move quickly once the 120-day federal waiting period passes. Answering the complaint within 35 days keeps the case in front of a judge in your county.

How David handles a Freedom Mortgage foreclosure

Every Freedom Mortgage case starts the same way: a complete review of your loan history, every notice you received, and the servicing file we request under federal rules. That review often turns up misapplied payments, fee errors, or a defective Notice of Intention to Foreclose, and each one is leverage.

From there David opens the loss mitigation process with a complete application, requests the court's Foreclosure Mediation Program if you are an owner-occupant within 60 days of service, and files the answer and any adjournments so the sheriff's sale clock stops running while Freedom Mortgage reviews your options. If Freedom Mortgage violates servicing rules during that review, David raises it with the court.

Your rights with any mortgage servicer

Federal servicing rules under RESPA (12 C.F.R. Part 1024) apply to every servicer named on this site:

• A servicer generally cannot make the first foreclosure filing until you are more than 120 days delinquent.
• It must acknowledge a loss mitigation application within 5 business days and tell you what is missing.
• It may not move for judgment or conduct a sale while a complete application received more than 37 days before the sale is under review ("dual tracking").
• You can send a written Notice of Error or Request for Information and the servicer must respond, generally within 30 business days.
• In New Jersey, the Fair Foreclosure Act adds a 30-day Notice of Intention to Foreclose before suit and a right to cure up to final judgment.