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Freedom Mortgage Home Inspection Settlement - $2.7 Million To Settle Class Action Over Unnecessary Inspections

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Freedom Mortgage Home Inspection Settlement – $2.7 Million To Settle Class Action Over Unnecessary Inspections…

Freedom Mortgage Agrees To Pay $2.7 Million To End Class Action Allegations That They Enforced Illegal Home Inspections On Their Mortgage Holders 

Mortgage provider Freedom Mortgage Corp. has recently decided to enter into a settlement agreement and promised to pay up $2.7 million to end a class action lawsuit filed against them over alleged illegal home inspections. 

The settlement details of the Freedom Mortgage Home Inspection Settlement have been announced and unveiled to the public. Continue reading to learn more about it. 

Freedom Mortgage Corporation Customers Who Paid Illegal Home Inspection Fees To Benefit In Latest Settlement

This coverage pertains to the legal case brought up by mortgage owners and couple Michael and Brandy Gress against Freedom Mortgage Corporation, alleging that the mortgage company has charged them and other customers unwarranted and unlawful home inspection fees. 

How To Join The Michael J. Gress, et al. v. Freedom Mortgage Corp. Class Settlement

To join the class action settlement proceedings, participants must meet the following requirements:

  • Anybody from the United States who has a mortgage with Freedom Mortgage Corporation and has paid up house inspection fees between the 5th of March 2013 and the 31st of December 2020 after going default or falling delinquent on their mortgage remittances;
  • The final amount each qualified class member can receive will depend on a calculation that will be conducted by the officials;
  • No proof of purchase is required for this settlement process;
  • The final date on filing a valid settlement claim is on the 16th of December 2021;
  • Those who do not want to participate in the settlement proceedings or want to file their objections with regards to the settlement provisions can forward their forms on or before the 16th of December 2021;
  • The approved final settlement hearing date for the Freedom Mortgage Home Inspection Settlement is on the 10th of February 2022.

On the other hand, Freedom Mortgage is also in the process of another separate settlement agreement concerning allegations that it slapped a charge on its mortgage clients that have made mortgage payments over the phone, Internet, and the like. (Also known as the Helene Breedlove Caldwell, et al. v. Freedom Mortgage Corporation legal case.)  

Brandy and Michael Gress, et al. v. Freedom Mortgage Corp.

Click to access Brandy-and-Michael-Gress-et-al.-v.-Freedom-Mortgage-Corp..pdf

The class action case was filed by complainants Michael and Brandy Gress. Both argued that Freedom Mortgage ordered four home inspection orders on their property that were deemed to be illegal. 

According to the two, Freedom Mortgage scheduled and had the inspections done in a bid to determine whether their property is occupied and maintained properly. However, the Gresses contended that the company knows that the house is occupied and is being kept in proper condition because they are in constant communication with Freedom Mortgage’s personnel. 

Continuing their complaint, the pair argued that Freedom Mortgage uses an automated computer system to automate the scheduling of the said home inspections. Reports were also done automatically. 

Amounting to $15 on each home inspection conducted, Freedom Mortgage ended up charging their clients, including the Gresses and an estimated tens of thousands of others, for the unnecessary and allegedly illegal home inspections. 

Freedom Mortage Attempts To Justify Their Stance But Decides To Enter Into An Agreement

In their defense, Freedom Mortgage’s legal team retorted back that the company has the legal right to schedule and conduct a home inspection on properties that are under mortgage agreements with their customers. 

The plaintiffs’ team, however, fired back by saying that the home inspections ordered by the company were unnecessary, illegal, and violated laws concerning consumer fraud protection statutes. 

Further court hearings were conducted, and the case even reached the higher Third Circuit court.

An interesting addition to the subsequent turn of events, Freedom Mortgage recently agreed to enter into a $2.7 million settlement agreement with the Gresses team to end the ongoing legal battle raised against the company. Although to this day, the defendant mortgage company has vehemently denied any wrongdoing on their end. 

About Freedom Mortgage

Established in 1990, Freedom Mortgage Corporation, or simply called Freedom Mortgage in this feature, is a mortgage company that provides different types of home loans and financing products and services to their clients. The company is based in Mount Laurel, New Jersey. 

Editor’s Note on Freedom Mortgage Home Inspection Settlement: 

This feature aims to inform you of the latest settlement news about Freedom Mortgage’s agreement with complainants suing them over alleged illegal home inspections. You might also be interested in a similar lawsuit filed against the Bank of America.

Case Name(s) & No.: Brandy and Michael Gress, et al. v. Freedom Mortgage Corp.; Case No.: 1:19-cv-00375

Jurisdiction: United States (U.S.) District Court for the Middle District of Pennsylvania 

Products/Services Involved: Home Inspection Fees

Allegation(s): Freedom Mortgage ordered allegedly illegal and unnecessary home inspections on their property mortgage borrowers. 

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