Freedom Mortgage assumption timeline
5 community reports · #2 fastest of 12 servicers.
Median
90 d
Average
2.6 mo
Range
58–91 d
Average days by loan type
| Loan type | Reports | Median | Average |
|---|---|---|---|
| VA | 4 | 90 d | 80 d |
| Not stated | 1 | — | — |
Common holdups
- No single point of contact2×
- Title or closing coordination1×
- Underwriting backlog1×
- VA40+ days, still waiting
Buyer on day 40, all documents in, waiting on title; servicer estimating close ~Nov 26.
- Title or closing coordination
- VA~91 days
Closed as buyers after a "3+ month timeline"; ~14 days on average to answer an email, processor never returned 50+ calls.
- No single point of contact
- VA90 days
"Same boat, except 90 days with Freedom Mortgage."
- Not stated213+ days, still waiting
Divorce assumption "going on 7 months"; servicer hired Freedom Mortgage to process it and the file keeps going back to underwriting.
- Underwriting backlog
- No single point of contact
- VATX58 days
Offer accepted ~Apr 30, clear to close ~Jun 20, closed Jun 27, 2024. 2.45% VA; underwriting took ~14 days.
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