I applied for a mortgage online with Commonwealth Credit Union. I received a Mortgage pre-approval from loan officer James Williams. My wife and I found a house we liked and put in an offer that was accepted. The purchase and sales agreement required us to lock in financing within 5 days of the date of the contract. I provided the Purchase and Sales agreement to Mr. Williams, who then requested more financial documentation to process the loan. I provided the requested documentation and reached out to Mr. Williams again for status of the loan and next steps. Mr. Williams then informed me that because of my wife's bankruptcy in 2018 (due to chronic illness) that all the paperwork would need to be resubmitted in my name alone and the process would need to start over. By this time, it was 10 days after the sales and purchase agreement was signed, and the sellers would not wait any longer and put the house back on the market. Not only are my wife and I out $425 dollars for a home inspection, but because the home was for sale by an owner who did not want to pay realtor commissions on the sale, we paid the realtor $1000 out of our own pocket for her help. Jaynel Christensen (VP of Lending at Commonwealth Credit Union) has admitted to the mistake of not catching the bankruptcy at the initial application stage and offered to compensate us for the home inspection but not what we paid the realtor, and suggested we ask for that money back from her. I explained that I was uncomfortable with that, because our realtor had worked for the money in good faith, and the payment to her was not part of any contract that she didn't fulfill. The misconduct was on part of Commonwealth Credit Union, not her. I told Ms. Christensen that I would not accept a partial reimbursement and that they still owe my wife and I $1425. read more