Product: Mortgage

In XXXX, I came to an agreement with this company 's loan officer to participate in a floating interest rate program. This agreement is noted and marked in the original purchase agreement. Since then, the loan officer has ignored all of my inquiries about the floating interest agreement; this officer never responded to this agreement in XXXX, XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX  ; responding, that is, in terms of my option to acquire a lower interest rate ; an option that I assumed I had, as so stated in the purchase agreement. In fact, he has claimed it never happened ; subsequently, he has claimed I never agreed to pay for it ; ( which is incorrect, because my XXXX deposit, that I already submitted, would pay for it, as we agreed earlier in XXXX ) .... Then later in XXXX and XXXX, XXXX, he claimed the option to float down had past, since a closing date was established, without my agreement, in XX/XX/year>. In fact, the closing date was set, by this company, in XXXX, when I was ill ; and, therefore, without my agreement ; before the estimated closing date ( XXXX XXXX ) ; and, before and without my option to exercise an independently inspection. Obviously, I felt that I was being unduly pressured to close this purchase. The content of this complaint clearly specifies the possible reasons for this hurried closing date ( XXXX ) on the part of the lender-seller. In essence, the loan officer has not been truthful concerning what transpired relative to the interest rate ; therefore, I will not agree to any interest rate that has been invariably established by the lender... I also discovered that the HOA that I would be paying on a monthly basis does not cover outside maintenance. I would have to pay for landscaping services, ( at least {$150.00} per month, given my inability to personally care for outside maintenance of the lawn etc. ). I had to discover this latter fact, from the builder on XX/XX/XXXX, after an inspection, ( an inspection which has subsequently discovered faults that have not been corrected )... In regards to the HOA issue, I came across information in XXXXXXXX XXXX revealing this very fact, i.e. that some homes do not have HOA per se, ( lawn maintenance ) ; while some do have outside maintenance. I inquired about these differences in XXXX, ( and recently, XX/XX/XXXX ) ; their selling agent ridiculed me in XXXX and said I did not know what I was talking about, nor did the third party advertisement. He did not clarify the fact that I did not have it, while he stated in XXXXXXXX XXXX  that the HOA included outside maintenance. The seller 's agent statement that the XXXX provided outside maintenance was one primary reason which prompted me to submit an XXXX XXXX and enter a purchase agreement; as a XXXX XXXX XXXX XXXX XXXX service connected XXXXXXXX XXXX, I needed the lawn service in the HOA ; the seller knew this, yet he misrepresented that service and virtually deceived me in order to enter this purchase agreement. He has not yet, to this date, given me the consideration to respond to the fact that I uncovered the truthfulness, concerning the differential HOA services that are associated with the type of home I agreed to purchase in XX/XX/year> That is the essence of my complaint, this company engages in deceptive and coercive/intimidating business practices in the home buying process, particularly before and after securing your XXXX deposit, They have stated that they will retain my XXXX XXXX deposit due to contract default. My financial institution has launch an investigation and official complaint on my behalf. The consumer rating of this company is extremely low with over 90 % of reviews, out of over XXXX, being less than a one star rating and containing serious complaints and warnings. Please assist and advise me in this matter.