Yes, a born again Christian with the seed of the Father (the only kind there is that are saved) can apostatize and willfully leave God. They run into false teachers or maybe blame God for the death of their child.The only way for sin to condemn a born again believer is for them to sin willfully in conscious and deliberate unbelief. What is uncertain is if born again believers can deliberately become unbelievers again.
2 Peter 2:
18 For when they speak great swelling words of emptiness, they allure through the lusts of the flesh, through lewdness, the ones who have actually escaped from those who live in error. 19 While they promise them liberty, they themselves are slaves of corruption; for by whom a person is overcome, by him also he is brought into bondage. 20 For if, after they have escaped the pollutions of the world through the knowledge of the Lord and Savior Jesus Christ, they are again entangled in them and overcome, the latter end is worse for them than the beginning. 21 For it would have been better for them not to have known the way of righteousness, than having known it, to turn from the holy commandment delivered to them. 22 But it has happened to them according to the true proverb: “A dog returns to his own vomit,” and, “a sow, having washed, to her wallowing in the mire.”
Judge, I'm sorry, but this sounds like great swelling words of emptiness: "A believer is 'off the hook' in that he has the forgiveness of God that he believes and trusts in to keep him from the eternal penalty of their sin." That is not freedom FROM sin. It is an heretical freedom IN sin.

