Freedom Mortgage is a servicing giant. EarlOne is a technology company. Here's what that means for your refinance.
EarlOne
18 days
Average close time
Freedom Mortgage
30–60 days
Average close time
| Feature | EarlOne | Freedom Mortgage |
|---|---|---|
| AI Mortgage Assistant | EARL (Agentic) | |
| Sub-9-Minute Application | ||
| Plaid-Powered Doc Discovery | ||
| VA IRRRL Specialization | ||
| Licensed All 50 States | ||
| Live Rate Transparency | ||
| Education-First Content Hub | ||
| No Aggressive Sales Calls | ||
| Automated Savings Calculator | ||
| Real-Time Rate Alerts | ||
| Self-Service Digital Experience | Limited | |
| Transparent Fee Disclosure | Limited |
EarlOne
AI-native platform with agentic workflows, automated document processing, and Plaid-powered financial data aggregation. Designed for borrower self-service with intelligent assistance at every step.
Freedom Mortgage
Traditional call-center model with heavy outbound solicitation. Known for contacting existing servicer borrowers about refinancing opportunities. Manual document collection and processing.
Freedom Mortgage is known for unsolicited refinance calls to their servicing portfolio. EarlOne puts you in control — explore rates, calculate savings, and apply when you're ready.
Our automated pipeline closes in 18 days on average vs. Freedom's 30–60 day timeline. Less waiting, faster savings.
MortgageCenter provides comprehensive education on VA IRRRL benefits, costs, and alternatives so you can make an informed decision — not a pressured one.
Every fee, rate, and timeline is disclosed upfront. No hidden costs, no last-minute surprises. Our savings calculators show you exactly what to expect.
Get your personalized rate in 60 seconds. No credit pull, no commitment, no aggressive sales calls.