I want to go through this process in writing. THIS ONE IS BASED IN DENVER COLORADO!!!…read more
The start of this loan was through our realtor Megan. I had a mortgage company that was taking care of us. I mentioned to Megan who he was and that he was with DR HORTON HOMES. His name is MIKE.
With in this conversation Megan told me about this AWESOME company that she works with. She said they can do wonderful things. I told Megan that we had filed a bankruptcy.... she said talk to Susan. So I did.
I told Susan about my dealings thus far with MIKE, I told her that he said the closing cost could be up to 15,000, for FHA. He said his company would take off $5000.00 to go with them. Susan told me that he can indeed do that because they raise their cost then give you what appears to be a discount. I was shocked. so, needless to say she swayed me and I chose her company. She said she will cover the cost of the appraisal and my costs are around $5000.00.
I told her about everything, our bankruptcy and so on. I was upfront and forth coming with all that I knew.
It seemed to go smooth, then I was asked over and over for many of the same items I had submitted. It got to be a process that I was not happy with. As the days approached our closing I was asked yet again for bank account statements , savings and so on. I gave all of the requested documents that were asked for , but I was a bit put off because I work 10 hours a day with patients and I can't really be on the internet, email or phone so much.
Then I was told Zandra would be handling the rest of our loan. Zandra told me everything was in order.
Here is what I know... I have over 100 emails and text messages from this company, I have all of the faxes I sent in. I have all of the documentation that was sent VIA email and there are MANY!
It got closer to our closing and I was getting a bit worried, I had put up $4000.00 in Ernest money NOT to mention the Appraisal and inspection as well as the radon inspection we paid for out of pocket, so needless to say almost $5000.00 out of our pocket at this moment was a lot to handle.
I called daily to get updates "is all going ok" "is all well with this loan" , "did financing approve this?" I bothered Susan and Zandra so much that Susan told me that I was the worst client she had ever dealt with, that I am constantly emailing texting or calling that in HER OPINION I never wanted this house that my issue is with the house and not her, and that I need to let them do their job and that all was ok to stop worrying.
SOOOO... I felt uncomfortable, I let Megan know that I was worried, I told her of my conversation with Susan I told her I was concerned that I was going to loose my Ernest money. I called YET AGAIN on MONDAY the 21st of June I spoke to Zandra and I said I need to know today what is going on. Susan called me back and she told me that the Ernest money was a contractual thing between me and my realtor and it has NOTHING to do with her company. I told her that I need to know or I would cancel this contract , she told me WHY would I do that to her after all she had done for me??? I said is it all ok? she said yes. Zandra has everything in place.
I got an email from Zandra asking for more information ON THE DAY(22) OF MY LAST DAY TO CANCEL CONTRACT.... I supplied all this to her, and I called Megan , Megan then called Susan, and in a text she was told all was ok. With this reassurance I let the 22nd go by....on the 24th of JUNE, 2 days AFTER MY DEADLINE Zandra calls and states I am sorry to tell you that loan did not go through because of your second .
THERE was nothing at all hidden, it was talked about, this company PULLED our credit history they had all the documents they asked me many times about the bankruptcy I had to write a letter explaining why we had to file bankruptcy...
Not at any point in time was I made aware of anything amiss with our documents, and anything they needed I supplied. THIS company made a fatal mistake and it cost me and my family over $4000.00... to me that is huge.
After this, I had to rent a house and put $2800.00 down security, $2800.00 first month rent, $2800.00 last month rent. This was to make sure we had a place to LIVE!!!! our house is sold..
Susan did make one last ditch effort to keep us in this house she offered to take my husband off the loan and put my daughter on.
This is not an option as the adoption of the baby relies on both my self and Salome to be independently stable financially. We can not both be on a loan for over $400,000.00 NOT an option. I needed the loan in my husband and my name, Salome needs to be ON TITLE but not on loan.
Here I am today really struggling with all this. so, I turned to Jeffrey Esses, my attorney.
I also made contact with DORA , I am told I can make and file a complaint.