Product: Mortgage

On XX/XX/2024, I had a meeting with NVR Mortgage at their XXXX location to go over the mortgage application. During this meeting we discussed the loan terms, what I needed to pay off prior to closing, what my {$5000.00} Earnest Money deposit would be applied to. I was told that because I had a personal loan account with XXXX XXXX, my {$5000.00} Earnest Money deposit would be used to pay that off at closing. There was a delay in the release of XXXX XXXX XXXX XXXX assistance to XX/XX/2024. During this time a collection account appeared on my credit, that needed to be cleared before I could move forward with XXXX program. I was told by NVR Mortgage XXXX that they would refund me my Earnest Deposit to pay the collection settlement. If they did that, I would still have the XXXX XXXX account, that wouldn't be paid off. I chose to pull money from my IRA account to pay off the collection, to keep the original loan terms. I took care of that quickly and still was delayed in getting a final closing approval from NVR Mortgage. Around XX/XX/XXXX, I received an email that I needed to sign an updated Closing Disclosure from XXXX XXXX, and that he would call me in XXXX hours to answer any questions. That never happened, but I did finally get a final closing approval and was told I needed to wait for the final XXXX approval, which took a little longer because of the XXXX holiday. I finally got a closing date of XX/XX/2024. In that time between final approvals, I never got a new Closing Disclosure, a call from XXXX, nothing happened. I get to closing under the pretense that the original loan terms were still in place. XXXX weeks after closing I received a statement from XXXX XXXX and the balance hadn't been paid off. I didn't think too much of it because of the holidays, but I did reach out to XXXX, who was my go-to during this process to ask when the account would be paid off. I didn't hear from her, sent an email to XXXX XXXX, XXXX XXXX XXXX XXXX 's supervisor ), and left a voicemail for XXXX regarding this issue. I couple days later I received an email from XXXX stating that they didn't need the money to pay off the account because of income, and other things. I asked where the Earnest Money went, because this was not communicated to me and now, I have accrued another bill I didn't anticipate having and didn't plan for. I then reached out via email to XXXX 's supervisor XXXX XXXX and have heard nothing. I received an email from XXXX stating she is going to have XXXX look into this and provide me with context into what happened. I requested that the account be paid off, because that is what was agreed to, and I wasn't notified otherwise that anything was changing. A day or so later, I received an email from XXXX with an explanation of why he didn't use the Earnest Money for the XXXX XXXX account pay off as agreed. However, the problem is that I was not notified of a major loan change like this, that would impact my finances. I would have NEVER closed on this loan knowing of these changes. My choice was taken away to make a decision that was best for me and my finances. What is by far worst is that my loan was sold to another company quickly, in the hopes I wouldn't realize what happened until well after the transition to the other loan company. NVR Mortgage has refused to rectify this situation, don't return calls, and are barely responding to email.