| 05/20/2018 |
Yes |
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Web |
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This is XXXX XXXX and I'm a XXXX XXXX XXXX FROM XXXX XXXX XXXX. I'm submitting a complaint of behave of my client ( THE BUYER name XXXX XXXX XXXX ). My client put an offer on XXXX XXXX XXXX XXXX FL XXXX and he had under contract by XX/XX/XXXX. My client was prequalified for FHA loan. The lender asked for the conditions the bank needed to approve the loan. My client sent them in time. My client paid for the home inspection, appraisal and 4 hours online course to qualified for a government program. The lender agent ( XXXX XXXX MLB RESIDENTIAL LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX cell XXXX, Office XXXX, Fax XXXX and email XXXX ) didn't try to help my client as he supposed to do. According to lender the bank denied my client and he had to submit another application to an investor. The new investor was out of state and it took a week to response every time that we sent a document to approve to my client. Lender ask for documents that my client already sent all the time. I had to issue the first extension on XX/XX/XXXX due to the delay in this process. Seller agreed to sign it. Lender ask for two more weeks to finalize the loan. After two weeks of waiting on the investor, the loan was approved. The lender asked for another extension XX/XX/XXXX. The seller agreed to sign it, but stated that she won't sign another extension. According to the lender, the investor wasn't responding on time. My client, the seller, the listing agent and myself were upset with the way the lender handled this loan. Seller didn't want to cancel, but she feel sorry for the buyer. It wasn't his fault. No to mention that I tried to contact the corporate office and they were worst than the local office. I was transferred to XXXX ( XXXX ) who is the manager for that area of the country. He lied to me all the time and ignored all my phone calls and texts. I couldn't update my client through the corporate office. I believe my client deserve a better treatment and respect and myself as agent representing the real estate industries. I let the lender know that the seller would wait until Tuesday XX/XX/XXXX to submit a cancellation of the contract and my update was ignored. Seller cancelled on Wednesday XX/XX/XXXX and the lender texted the listing agent to inform her that all the conditions were met. Meaning with that we would have needed another week to wait for the clear to close. My client signed two disclosure statement that weren't accurate.
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| 02/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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Submitted a mortgage loan application with MLB Residential Lending , LLC for a refinance mid XX/XX/XXXX. Went through all processing stages and received a clear to close from the lender and their closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement XX/XX/XXXX at XXXX XXXX. The day prior to settlement, XX/XX/XXXX, I received a phone call from my loan officer that the underwriter stated that the loan can not close as currently structured due to investor guidelines and we have to restructure the loan as a purchase transaction. Over the next 3 weeks I submitted additional documentation requested by the lender and received my new disclosure package on XX/XX/XXXX at XXXX XXXX. I re-signed the new disclosure package and printed 6 documents and physically signed and faxed back to the lender, per instructions provided by lender and loan officer. Prior to the close of business that same day, I received an email stating that my loan status has changed to statement of denial and instructed me to contact the loan officer with any concerns and/or questions. After further review, my loan was denied due to incompleteness. I inquired with my loan officer and he disclosed that he was no longer employed by MLB Residential Lending , LLC and instructed me to contact them directly moving forward. I called the lender and left a voicemail message. My call was not returned. I then followed up with an email inquiring about the denial and I received an email back stating that the loan was denied due to the sales contract not being complete. I have sent several emails asking why I was not given an opportunity to fix and/or provide additional information to complete the sales contract. To date, I have not received an answer from MLB Residential Lending , LLC giving me a reason why.
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| 02/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I submitted a mortgage application with MLB Residential Lending , LLC for a refinance in mid XX/XX/XXXX. I went through all the processing and received a " clear to close '' from both the lender and closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my loan officer that the underwriter stated that the loan can not close as structured due to investor guidelines and will need to be restructured as a purchase. Over the next 3 weeks I submitted all the necessary documentation as requested by the lender and received the new disclosure paperwork on XX/XX/XXXX. I signed the paperwork and completed additional documentation that needed to be physically printed, signed and faxed back. This was done in the morning and in the same afternoon I received an email stating my loan status has changed to " denial ''. I was instructed to contact my loan officer with any concerns or questions. I went online to review the denial thinking it had to be a mistake and found my loan was denied to " incompleteness ''. I contacted my loan officer as instructed to find out he now was " no longer '' with MLB Residential Lending , LLC. He therefore instructed me to contact them directly. I emailed them to follow up on what was " incomplete '' and why I was not notified or given the necessary paperwork or opportunity to complete it. I received an email back stating it was " incomplete '' and therefore the loan was denied and given no additional feedback or information.
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| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 11/02/2017 |
Yes |
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Web |
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| 07/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Referral |
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