| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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1. Offer received with a Pre Approval letter. Outstanding Conditions Escrow, Appraisal, Purchase Agreement. Documents reviewed and verified : Income, Credit , Employment & Assets Verified.
Timeline : Contract signed XX/XX/XXXX, Final Loan Approval XX/XX/XXXX, Close date XX/XX/XXXX XX/XX/XXXX Lender required adding wife to the purchase with no explanation. Florida is a homestead state. We did not know there was a wife.Wife was added XX/XX/XXXX by addendum. Seller 's already signed their closing documents. XX/XX/XXXX Buyer 's Agent requested a closing extension with no explanation. He reports there is a XXXXaud Protection on the buyer and the IRS documents are on their way. Still no loan approval provided. Loan App due XXXX. When we pressured for more information buyers agent sent a lender document detailing the following Credit Score dated XX/XX/XXXX Score XXXX to XXXX, 39 Serious Delinquency, 14 Length of time accounts have been established,18 number of accounts with delinquency, 08 too man inquiries last 12 months. They knew there were issues and still provided a pre approval letter. Seller then requested a loan commitment. Commitment sent without any loan terms or signature from the lender. Wife included with new additional terms and conditions 1.Tax Transcripts from IRS ( mailed directly to buyer ) 2. Spouse on title only. XXXX Received a signed commitment with the lenders signature that doesn't appear to match pre approval letter. No signatures from borrowers. How can you issue a commitment with serious items dating back to XXXX. Why are they just now asking for tax returns three days before closing? They would not explain or clarify. They then sent a 30 day extension request. Seller requests a portion of the escrow be non refundable. Seller did not sign either of the extensions without a better understanding. I sent requests for clarification to both the buyers agent and the lender trying to understand the true nature of the deceit. XX/XX/XXXX Lender sends Notice Of Action with new conditions Insufficient funds.Unable to get IRS transcripts. Agent sends a release and cancellation and wife is now on it. She was to be on title only!
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| 07/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX XXXX Agent XXXX XXXX. On closing day XXXX XXXX was not present, they had the closing paper ready for us to sign with my wrong last name and the notary XXXX XXXX from XXXX XXXX XXXX ask me to sign then she just cross my last name, I ask XXXX XXXX ( XXXX XXXX assistant ) to re-print then with the correct last name. I had provided my ID in 2 previous occasions and they make copies of it. This is so unprofessional not be ready with the proper documentation on signing day. Few days after signing XXXX XXXX called me to ask for my marriage certificate that the loan company ( XXXX ) requested this document last minute yeah right. XXXX XXXX ( XXXX XXXX ) promise us that the loan will be fund it in 3 days and it was I lie it took 7 days for us to get the money in our bank account. I really dont understand why XXXX XXXX doesnt look more into the job of their employees ( XXXX XXXX ) they try to get your business by lying to you and she is been in business for over 15 year I really dont understand how is this possible this company is the worst. We will never recommend we are also filing a complaint with the XXXX XXXX XXXX
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| 06/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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