Freedom Mortgage Review for Divorce Buyouts and Removing a Co-Borrower

The research in brief

Freedom Mortgage is a good, but not clearly specialized, fit for refinancing to remove a co-borrower after divorce or separation. Three of seven platforms named it during the ranking stage, with an average listed rank of 4.0 and a best rank of 2. Its strongest asset is company-published guidance that directly addresses post-divorce refinancing, quitclaim deed timing, and cash-out proceeds for an equity buyout, backed by conventional, FHA, and VA cash-out paths. The main limitation is execution risk: independent complaint sources describe multi-month delays, unclear documentation demands, and poor phone accessibility on divorce-related files, and no public source confirms a dedicated divorce-buyout program or court-order workflow.

Research Snapshot

Why Freedom Mortgage Qualified for This Study

Questions explored

• Why did Freedom Mortgage qualify for a divorce buyout refinance study when it is not marketed as a divorce specialist?
• How many AI platforms named Freedom Mortgage for removing a co-borrower after divorce or separation?

Freedom Mortgage qualified because it cleared the study's minimum-mention threshold and because its own published material addresses the exact transaction. Three of seven platforms named it during ranking discovery, giving it a 42.9% share of included platform responses, an average listed rank of 4.0, and a best rank of 2 ^[13].

The company publishes a dedicated article on refinancing after divorce that discusses removing a spouse from the mortgage, using cash-out refinancing to fund an equity buyout, and quitclaim deed timing ^[13]. It also advertises cash-out refinancing across conventional, FHA, and VA loans, which are the program types typically used in this transaction ^[1].

Scale and licensing supported inclusion. Freedom Mortgage states it is licensed in all 50 states and identifies its NMLS ID publicly ^[8]. Independent reviews place its loans in all 50 states plus the District of Columbia, Puerto Rico, and the U.S. Virgin Islands ^[47].

Qualification is not the same as specialization. Independent best-of lists reviewed did not single out Freedom Mortgage as a divorce-buyout specialist ^[46], and no platform located a dedicated divorce-buyout program with published service standards.

The mortgage offering in focus

Questions explored

• Which Freedom Mortgage loan program should a buyer choose to buy out an ex-spouse's equity after divorce?
• Is a Freedom Mortgage cash-out refinance or a rate-and-term refinance better for removing a co-borrower after separation?

The relevant product is a cash-out refinance that replaces the joint mortgage with a new sole-borrower loan large enough to pay off the existing balance and deliver cash to the departing co-owner. Freedom Mortgage describes cash-out refinancing as replacing the existing mortgage with a higher amount and receiving the difference in cash at closing; its own example refinances a $200,000 balance to $250,000 to produce $50,000 in cash ^[6].

Program choice matters because LTV caps differ. Freedom Mortgage publishes an FHA cash-out maximum LTV of 80% of appraised value and a VA cash-out maximum of 90% for veterans, active-duty service members, and eligible surviving spouses ^[17]. A VA example at 90% LTV could produce up to $122,500 in cash ^[17].

Rate-and-term refinancing is generally the wrong tool here. Freedom Mortgage states that rate-and-term refinancing does not allow cash back, so it usually cannot fund a buyout unless the buyout is funded elsewhere ^[14]. FHA streamline refinancing is similarly limited: Freedom Mortgage states that FHA streamline refinancing does not provide substantial cash and that FHA cash-out refinancing is required for cash-out proceeds ^[31].

The company also publishes successor-in-interest guidance referencing divorce decrees, legal separation agreements, and quit-claim deeds, which indicates awareness of divorce-related documentation even though it does not establish a formal intake workflow ^[7].

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree Freedom Mortgage does well for a divorce buyout refinance?
• Does Freedom Mortgage publicly address quitclaim deeds and removing an ex-spouse from a mortgage?

Agreement was strong on product relevance and on the existence of company-published divorce guidance. Four platforms cited the same Freedom Mortgage divorce article describing refinancing as a way to remove an ex-spouse from the mortgage and separate financial obligations ^[13].

Platforms also agreed on the mechanics. A cash-out refinance replaces the joint loan with a new sole-borrower mortgage and pays the departing co-owner their equity share ^[13]. Freedom Mortgage's own material notes that quitclaim deeds remove a party from title and are typically signed just before or at refinancing completion, and that title must be aligned with the new loan structure ^[13].

A third area of agreement was the legal limit on what a divorce decree can do. A divorce decree or property settlement does not by itself remove a person's liability from a joint mortgage; creditor release or refinancing is generally required ^[44]. Freedom Mortgage's own article states that signing a quitclaim deed without completing the refinance leaves the departing spouse liable on the mortgage ^[13].

Platforms also agreed that the remaining homeowner must qualify alone. Freedom Mortgage identifies income, total debt, credit score, home value, loan-to-value, and loan type as refinance qualification factors, and states that a sole owner must meet income, credit, and debt-to-income requirements ^[16].

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Do AI platforms disagree about whether Freedom Mortgage is a good fit for divorce buyout refinancing?
• Is Freedom Mortgage's divorce refinance expertise verified or only inferred from its website content?

Fit ratings diverged. OpenAI, Grok, and Google rated Freedom Mortgage a good fit; Anthropic, DeepSeek, and Perplexity rated it mixed; Kimi rated it uncertain. That split is the single most important signal in this review, and it tracks how much weight each platform gave to company-published content versus independent complaint evidence.

Specialization was the central uncertainty. DeepSeek found no public Freedom Mortgage page describing divorce decree or court-order documentation for a sole-name refinance and concluded that niche expertise claims are inferred rather than confirmed ^[24]. Kimi found no verified evidence of a specialized divorce-buyout program or Fannie Mae limited cash-out classification, noting that competitors such as Amerisave, Lower, and Refi.com document those options explicitly ^[2].

Credit score thresholds conflict across Freedom Mortgage's own pages. One cash-out page states a 620 minimum for conventional and 550 for VA or FHA cash-out ^[6], a general refinance requirements page cites 550 for government-backed options ^[22], and an independent directory lists a 600 minimum for most refinance products ^[40]. Perplexity flagged this as a possible program or overlay difference rather than a settled figure ^[16].

HELOC availability is internally contradictory. One Freedom Mortgage comparison article states the company does not offer HELOCs or home-equity loans, while a separate current page advertises HELOCs ^[32]. Buyers cannot assume a second-lien alternative exists.

Loan assumption versus refinance is blurred. Some customer complaints describe loan assumption attempts after divorce ^[35], while the primary use case is a full refinance. Google reported a user account stating that a VA release of liability with Freedom Mortgage allowed removing a non-veteran spouse via quitclaim deed and divorce decree ^[51], but this is a single unverified user report, not a documented company process.

Mortgage features for this borrowing need

Questions explored

• What LTV limits and credit score minimums does Freedom Mortgage apply to a divorce buyout cash-out refinance?
• Can Freedom Mortgage handle a quitclaim deed and divorce decree during a co-borrower removal refinance?

Cash-out capacity is the core capability. Freedom Mortgage advertises cash-out refinancing for conventional, FHA, and VA loans, with proceeds constrained by equity, appraised value, and applicable LTV limits ^[1]. Published maximums are 80% LTV for FHA cash-out and 90% for VA cash-out ^[17].

VA eligibility is a genuine differentiator for military-connected borrowers. Freedom Mortgage describes VA cash-out refinancing as potentially allowing higher LTV than conventional cash-out, with VA funding-fee considerations ^[33]. Independent review coverage notes the company specializes in FHA and VA lending and also offers conventional and USDA loans plus FHA Streamline and VA IRRRL refinancing ^[41].

Documentation handling is where capability claims thin out. Freedom Mortgage's public divorce material discusses required financial qualification but does not specify an exact list of divorce decree, separation agreement, quitclaim deed, title, or court-order documents ^[13]. Federal servicing guidance recognizes divorce-related transfers and quitclaim deeds as documentation scenarios, but that does not establish Freedom Mortgage's underwriting requirements ^[36].

Complaint evidence cuts the other way. A BBB complaint records Freedom Mortgage requesting an unrelated divorce decree from a previous marriage during a refinance and claiming the process was incomplete when the borrower refused, despite an alleged verbal promise of fee refunds if the loan did not close ^[43]. A 2026 Trustpilot review describes a divorce-related mortgage assumption open since April 2026 with no reachable contact ^[52].

Post-closing account friction is also reported. Users describe losing online account access and autopay capability after a deed or mortgage transfer into one name ^[48].

Rates, fees, and ongoing costs

Questions explored

• How much does a Freedom Mortgage divorce buyout refinance cost in closing fees and origination charges?
• Are Freedom Mortgage refinance rates and fees higher or lower than the industry average for a co-borrower removal loan?

No personalized rate, cash-out amount, or total-cost quote can be verified without application details, and Freedom Mortgage does not publish sample rates. Independent reviews state the company has no advertised or sample rates and that borrowers must contact a loan officer directly for a quote ^[37].

Cost ranges are published only in general terms. Freedom Mortgage states refinance closing costs commonly run around 2% to 6% of the loan amount, with a separate page citing 2% to 5%, depending on loan type, lender requirements, location, and transaction details ^[10]. Potential charges include appraisal, title search and title insurance, credit report, recording, underwriting, origination, prepaid taxes or insurance, and discount points ^[10]. VA cash-out refinancing may include a VA funding fee unless an exemption applies ^[33].

Independent fee data is unfavorable. Home Mortgage Disclosure Act data cited by one review shows average Freedom Mortgage origination fees of $5,282 versus a national average of $2,792, though the same review suggests higher upfront costs may be offset by lower interest rates over the life of the loan ^[41]. A separate review states that, according to government data, Freedom Mortgage's interest rates and fees are higher than industry averages ^[37].

Contract terms are standard for a first-lien refinance. No mandatory prepayment penalties were identified on refinance products, rate locks are available up to 60 days from quote, and closing typically occurs 30 to 45 days after application ^[42]. The Purchase Promise, which pays $1,000 if a purchase loan does not close on time, explicitly does not apply to refinances ^[42]. Certain refinances secured by a principal dwelling may carry a federal three-business-day right of rescission, subject to transaction-specific exceptions ^[10].

No public source establishes a guaranteed approval, guaranteed closing timeline, guaranteed buyout amount, or guaranteed acceptance of a particular divorce decree or quitclaim deed ^[10].

Best Suited For

Questions explored

• Who is Freedom Mortgage best suited for when refinancing to remove a co-borrower after divorce?
• Is Freedom Mortgage a good choice for a VA borrower who needs a divorce buyout cash-out refinance?

Freedom Mortgage is best suited to borrowers who need a first-mortgage cash-out refinance rather than a second lien, who can qualify on their own income and credit, and who have enough equity to clear program LTV caps ^[1].

Eligible VA borrowers are the strongest fit. VA cash-out allows up to 90% LTV and may permit a larger loan relative to property value than conventional cash-out, which matters when the buyout figure is large ^[17].

FHA-eligible borrowers with lower credit scores are also a fit. Freedom Mortgage publishes a 550 minimum credit score for VA and FHA cash-out, which is more accessible than the 620 conventional threshold ^[6].

Existing Freedom Mortgage servicing customers who want to refinance in place are a reasonable fit, since the company states it is among the largest U.S. mortgage lenders and servicers ^[4].

Borrowers with simple financial circumstances and tolerance for extended timelines round out the list. One platform concluded the lender warrants consideration only if the borrower has simple finances, high credit and income, substantial equity, VA or FHA eligibility, and can tolerate extended processing and limited customer accessibility ^[35].

Probably Not Best Suited For

Questions explored

• Who should not choose Freedom Mortgage for a divorce buyout refinance with a tight settlement deadline?
• Is Freedom Mortgage a bad choice if the borrower needs documented court-order or quitclaim deed support?

Borrowers facing hard settlement deadlines should look elsewhere first. Multiple independent complaint sources describe multi-month delays on divorce-related loan assumptions, unreturned calls, and promised paperwork that never arrived ^[35].

Borrowers who need documented court-order or quitclaim deed support are poorly served by the public record. No platform located a published Freedom Mortgage workflow for divorce decree, separation agreement, or court-order intake, and one BBB complaint describes an unrelated prior divorce decree being demanded mid-process ^[24].

Borrowers who need a second lien instead of replacing the first mortgage cannot rely on Freedom Mortgage. Its own materials conflict on whether HELOCs or home-equity loans are offered at all ^[32].

Borrowers who want published rates before applying will be frustrated. Freedom Mortgage does not post sample rates, and quotes require direct contact with a loan officer ^[37].

Borrowers who need to preserve a low existing rate should compare an assumption or release-of-liability path through the current servicer before refinancing, since a cash-out refinance replaces the existing mortgage and can change the rate, payment, term, and total finance charges ^[10].

When Another Option May Be Better

Questions explored

• What is a better alternative to Freedom Mortgage for a divorce buyout that needs Fannie Mae limited cash-out treatment?
• When should a divorcing homeowner use a loan assumption instead of a Freedom Mortgage cash-out refinance?

Another option may be better in four specific situations.

First, when the borrower wants to preserve a favorable existing interest rate and only needs a release of liability or loan assumption. The current servicer should be contacted first, and that process compared against refinancing ^[10]. Google reported a user account of a VA release of liability with Freedom Mortgage removing a non-veteran spouse via quitclaim deed and divorce decree, but this is a single unverified report ^[51].

Second, when the borrower needs Fannie Mae limited cash-out treatment for a divorce buyout. Kimi reported that Amerisave, Lower, and Refi.com document Fannie Mae limited cash-out divorce buyout options with LTV up to 95-97% and a 12-month joint ownership requirement, while no verified evidence showed Freedom Mortgage offering that classification ^[2].

Third, when the borrower needs a HELOC or home-equity loan and has enough affordability and equity to avoid replacing a low-rate first mortgage. Freedom Mortgage's HELOC availability is contradictory, so lenders with clearly documented second-lien products should be compared ^[32].

Fourth, when the file has complex title, lien, court-order, support-income, self-employment, or nonstandard documentation issues. A lender or mortgage broker with documented divorce-transition expertise may be better, and competing Loan Estimates from multiple lenders are advisable regardless ^[10].

Questions to ask before choosing a lender

Questions explored

• What should a buyer confirm with Freedom Mortgage before signing a divorce buyout refinance contract?
• Which documents and timelines should a divorcing borrower verify in writing with Freedom Mortgage?

Confirm the program and the money. Ask whether the loan will be processed as a conventional, FHA, or VA cash-out refinance and what the maximum permitted cash-out amount is after paying the current mortgage, liens, closing costs, and the former spouse's buyout ^[1].

Confirm the documents. Ask for the exact required list: final divorce decree, marital settlement agreement, court order, separation agreement, quitclaim deed, deed transfer, payoff statement, or notarized buyout instruction ^[13].

Confirm the sequencing. Ask whether the former co-borrower must sign anything at closing, when that person's liability is released, and whether title must transfer before underwriting, before closing, or after closing, and who prepares and records the deed ^[13].

Confirm the numbers. Request a complete Loan Estimate including interest rate, APR, points, lender credits, origination charges, appraisal, title, recording, prepaid items, mortgage insurance, and any VA funding fee ^[10].

Confirm the alternatives. Ask whether an assumption or release-of-liability option exists through the current servicer, and whether Freedom Mortgage currently offers a HELOC or home-equity loan in the property's state ^[32].

Confirm the timeline and escalation path. Ask for the expected underwriting and closing timeline, how payments are handled while the divorce, title transfer, and refinance are pending, and what the escalation procedure is if the file stalls ^[35].

The consensus assessment

Freedom Mortgage is a good, but not clearly specialized, fit for refinancing to remove a co-borrower after divorce or separation, with important verification requirements. Three of seven platforms named it in the ranking stage, and its company-published divorce guidance, multi-program cash-out menu, and 550 credit floor for FHA and VA cash-out are real advantages ^[13].

The counterweight is execution risk. Independent complaint sources describe multi-month delays, unclear documentation demands, and phone accessibility failures on divorce-related files, and no public source confirms a dedicated divorce-buyout program, guaranteed quitclaim-deed handling, or a court-order documentation process ^[43].

Platform agreement here reflects shared reading of the same company pages, not proof of product quality. Buyers should compare Freedom Mortgage against the current servicer's assumption or release options and obtain competing Loan Estimates before committing. The broader Refinancing to remove a co-borrower after divorce or separation index and the mortgage refinance lenders directory provide the comparison set this review was drawn from.

How This Review Was Produced

This review was produced from a fixed research run dated 2026-09-29 covering seven AI platforms: OpenAI, Anthropic, Google, Grok, Perplexity, DeepSeek, and Kimi. Each platform was asked which providers it would recommend for a homeowner refinancing into their own name after divorce or separation and buying out a former partner's equity share.

Platform mentions in the ranking stage count only platforms that named Freedom Mortgage during ranking discovery, not every platform that evaluated fit. Freedom Mortgage was named by three of seven platforms, with an average listed rank of 4.0 and a best rank of 2.

All factual claims are cited to platform-supplied sources using parenthetical citation IDs. Company-owned citations materially outnumber independent citations in this evidence set, so company claims should not be read as independently verified. Where a platform supplied no citation for a claim, the claim is labeled platform-reported or unverified.

Research limitations

Platform-reported research dates differ from the authoritative run date. DeepSeek's response is dated 2026-02-14, while the remaining platforms and the study date are 2026-09-29. Platform-reported dates are provenance metadata and do not independently prove freshness.

Citations are platform-reported evidence, not independently verified facts. The supplied URLs were collected from platform responses and were not independently validated during writing. No-search model claims require explicit verification before being described as current facts.

Company-owned sources dominate the citation set. Freedom Mortgage's own pages supply most of the product, LTV, credit score, and documentation detail, and those claims are not independently confirmed.

Conflicting product names, pricing, and capabilities were preserved rather than resolved. Credit score minimums, HELOC availability, and the distinction between assumption and refinance remain unresolved in the public record, and buyers should verify each directly.

No platform performed personal testing, and no source establishes guaranteed approval, guaranteed closing timelines, guaranteed buyout amounts, or guaranteed acceptance of a specific divorce decree or quitclaim deed.

See the broader Divorce Buyouts and Removing a Co-Borrower consensus index for comparisons across qualified options.

Sources

Company-Owned Sources

1. Cash Out Refinances: Rates & Requirements: https://dam.freedommortgage.com/cash-out-refinance
2. Removing a Spouse From a Mortgage After Divorce: Release of Liability and Cash-Out Options in 2026: https://www.amerisave.com/learn/removing-a-spouse-from-a-mortgage-after-divorce-release-of-liability-and-cash-out-options-in
3. Freedom Mortgage – About Us / Loan Programs: https://www.freedommortgage.com/
4. Freedom Mortgage – Company Information: https://www.freedommortgage.com/about-us/
5. Cash Out Refinance Calculator | How Much Cash Can You Get: https://www.freedommortgage.com/cash-out-calculator
6. Cash Out Refinances: Rates & Requirements: https://www.freedommortgage.com/cash-out-refinance
7. What Is a Successor in Interest? - Freedom Mortgage: https://www.freedommortgage.com/customer-center/articles/successor-in-interest
8. State Licensing: https://www.freedommortgage.com/disclosures/state-licensing
9. Freedom Mortgage – Refinance FAQ / Process: https://www.freedommortgage.com/faq/
10. What Is a Cash Out Refinance and How Does It Work?: https://www.freedommortgage.com/learn/home-equity/cash-out-refinance
11. FHA Cash Out Refinance: Guide for Homeowners - Freedom Mortgage: https://www.freedommortgage.com/learn/home-equity/fha-cash-out-refinance
12. How To Refinance a Mortgage: A Step-by-Step Guide: https://www.freedommortgage.com/learn/refinancing/how-to-refinance
13. Refinancing Your Mortgage After Divorce: What To Know: https://www.freedommortgage.com/learn/refinancing/mortgage-refinance-after-divorce
14. A Guide to Rate-and-Term Refinance Loans - Freedom Mortgage: https://www.freedommortgage.com/learn/refinancing/rate-and-term-finance-guide
15. When Should You Refinance Your Mortgage?: https://www.freedommortgage.com/learn/refinancing/refinance-home-loan
16. A Guide to Mortgage Refinance Requirements: https://www.freedommortgage.com/learn/refinancing/refinance-requirements
17. Cash Out Refinance Loan-to-Value (LTV): A Guide: https://www.freedommortgage.com/learning-center/articles/cash-out-refinance-ltv
18. Mortgage Refinance Comparison Table | Freedom Mortgage: https://www.freedommortgage.com/pdp-compare-table
19. Mortgage Refinances for Your Home | Freedom Mortgage: https://www.freedommortgage.com/refinance
20. Cash Out Refinances: Rates & Requirements - Freedom Mortgage: https://www.freedommortgage.com/refinance/cash-out-refinance
21. FHA Cash Out Refinances: Rates & Requirements - Freedom Mortgage: https://www.freedommortgage.com/refinance/fha-cash-out-refinance
22. Mortgage Refinance Requirements: https://www.freedommortgage.com/resources/refinancing/mortgage-refinance-requirements
23. Refinancing Your Mortgage After Divorce: What To Know: https://www.freedommortgage.com/resources/refinancing/refinancing-your-mortgage-after-divorce-what-to-know
24. Freedom Mortgage – Divorce / Life Events (search result check: https://www.freedommortgage.com/search/?q=divorce
25. Freedom Mortgage – VA Loans: https://www.freedommortgage.com/va-loans/
26. How To Refinance Your Mortgage After A Divorce: https://www.lower.com/mortgages/how-to-refinance-your-mortgage-after-a-divorce
27. Cash-Out Refinance for a Divorce Buyout: https://www.refi.com/learn/cash-out-refinance-divorce-buyout/
28. Refi Without Spouse: How Hard Is It?: https://www.refi.com/learn/refinance-without-spouse/
29. Add or remove someone from a mortgage without refinancing: https://www.rocketmortgage.com/learn/add-or-remove-someone-from-mortgage-without-refinancing
30. Do you have to refinance after a divorce?: https://www.rocketmortgage.com/learn/do-i-have-to-refinance-after-divorce
31. FHA Streamline Refinance Program: https://www2.freedommortgage.com/fha-loans-streamline-OLD
32. What Is a Second Mortgage?: https://www2.freedommortgage.com/learning-center/articles/second-mortgage
33. What Is a VA Cash Out Refinance & How Does It Work?: https://www2.freedommortgage.com/learning-center/articles/va-cash-out-refinance
34. Official pricing and terms source: https://www.freedommortgage.com/disclosures/terms-and-conditions

Independent Sources

35. Freedom Mortgage - Real Customer Reviews: https://bestcompany.com/mortgages/freedom-mortgage?page=3
36. Amendments to the 2013 Mortgage Rules Under RESPA and TILA: https://files.consumerfinance.gov/f/documents/20160804_cfpb_Final_Rule_Amendments_to_the_2013_Mortgage_Rules.pdf
37. Freedom Mortgage review 2026: https://finance.yahoo.com/personal-finance/mortgages/review/freedom-mortgage-review-164725513.html
38. Freedom Mortgage Reviews and Complaints | freedommortgage.com @ PissedConsumer: https://freedom-mortgage.pissedconsumer.com/review.html
39. How to Remove Someone from a Home Loan: Your Options: https://legalclarity.org/how-to-remove-someone-from-a-home-loan-your-options/
40. Freedom Mortgage Refi Rates (April 2026): 30yr, 15yr, Cash-Out | RefiRateBoard: https://refi-rate-board.vercel.app/en/lenders/freedom-mortgage
41. Freedom Mortgage Review for 2026: Rates, Loans, Customer Feedback: https://themortgagereports.com/67486/freedom-mortgage-review-rates-loans-credit-score
42. freedom mortgage: https://www.bankrate.com/mortgages/reviews/freedom-mortgage
43. Financial Freedom Mortgage, LLC | BBB Complaints | Better Business Bureau: https://www.bbb.org/us/nj/mount-laurel/profile/mortgage-lenders/financial-freedom-mortgage-llc-0221-90160862/complaints
44. Can a debt collector contact me about a debt after a divorce?: https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-contact-me-about-a-debt-after-a-divorce-en-1413/
45. Can You Remove Someone's Name From A Mortgage Without Refinancing?: https://www.lendingtree.com/home/refinance/removing-name-from-mortgage-without-refinancing/
46. NerdWallet – Best Mortgage Lenders: https://www.nerdwallet.com/best/mortgages/best-mortgage-lenders
47. Freedom Mortgage Review 2026: https://www.nerdwallet.com/mortgages/reviews/freedom-mortgage
48. Freedom Mortgage deleted my account and wont allow me to make a new one - Reddit: https://www.reddit.com/r/freedommortgage/comments/16vwyv8/freedom_mortgage_deleted_my_account_and_wont/
49. Mortgage ownership transferred, now they're saying it's impossible for us to create an online account? - Reddit: https://www.reddit.com/r/personalfinance/comments/171f28b/mortgage_ownership_transferred_now_theyre/
50. Are there any options to keep my 2.75% APR? (Hooray, divorce!) : r/RealEstate - Reddit: https://www.reddit.com/r/RealEstate/comments/1c8f1e2/are_there_any_options_to_keep_my_275_apr_hooray/
51. PSA - You or your ex-spouse can assume your VA loan in a divorce, so a refinance is not always required: https://www.reddit.com/r/Veterans/comments/15rm7un/psa_you_or_your_exspouse_can_assume_your_va_loan/
52. Freedom Mortgage Reviews | Read Customer Service Reviews of www.freedommortgage.com: https://www.trustpilot.com/review/www.freedommortgage.com
53. Freedom Mortgage Reviews | Read Customer Service Reviews of freedommortgage.com: https://www.yelp.com/brands/freedom-mortgage