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On XX/XX/XXXX, I closed on a home, in PA, with my husband. Our mortgage lender was Reliant home funding and XXXX XXXX was our loan originator. We emailed and questioned him, on XX/XX/XXXX regarding our mortgage interest rate and closing which did not match the rates advertised, on their company website. Our proper interest rate factoring our credit scores, as per their website should have been 5.5 %. XXXX XXXX advised us to disregard their websites and only 20 % down is considered acceptable to get that lower interest rate although this was not mentioned on their website. We also paid over {$4900.00} for mortgage points which was not applied explicitly.
Furthermore, our original signature closing Promissory note document was lost by XXXX XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I inquired about the lost closing Promissory note document, over the phone, at about XXXX, with XXXX XXXX who then violently slammed the phone, on me for daring to ask about the lost closing document. I saw a return call from him at XXXX which i declined to answer after the phone slamming. On XX/XX/XXXX, I called the Reliant Home funding office, to complain about XXXX 's home closing evasion and rudeness. The supervisor named XXXX on XX/XX/XXXX also refused to take my complaints, on the lost closing documents and XXXXXXXX XXXX behavior and told me to get a " lawyer to get his email ''. XXXX XXXX did send me a photo copy of the closing document not a color photo original. I feel these deceptive practices on the closing and interest rate are motivated by my racial alignment and gender. Our mortgage debt was of course sold to ( XXXX XXXX ) to hide facts although it is their right to sell.
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