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We are first-time homeowners.
We used Certus Capital , LLC, a mortgage broker.
Because this was done with a VA loan, it was very hard to find a place that would accept us. When we finally found a place, we contacted this man, who said that this process was very tedious and that he would walk us through it. Upon the first meeting, he informed us that in the worst-case scenario, our mortgage would be XXXX per month..again, worst-case scenario.
We should have known he wasn't trustworthy when lied to us about the assessment. We were frustrated at the lack of response from the other party so we wanted to back out of the deal- but he told us that the assessment came back over XXXX what we were paying, he told us we really shouldn't let this property go. When we asked for the papers, he wasn't responsive and at that point, we were just so eager to move because we had to leave our other place. He led us to believe that our property was worth more, and we trusted him. After asking him for the assessment many times, he finally gave it to us begrudgingly, and the number he had told us was a lie. He got very angry with us, that he had made an honest mistake... but we were a few days away from closing.
He told us that we would lose all of the money that we had put for the down payment and that it was too late to back out. We were afraid to lose our XXXX so we continued, although we were weary.
Now our payments come in at $ XXXX. After the first bill, our mortgage bank changed. We were also just sent a letter saying that we owe money from an escrow account. We are struggling every month to make payments, we're afraid we might lose our new home. We feel that there were some unethical things that were done. Please help us. I think he charged us a bunch of hidden fees, we'd like for someone to please look it over.
I appreciate your time.
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