Consumer complaint received 2021-09-29
Company: NOVA Financial Holding Company, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Failed to give the consumer ( me ) a federal law that requires lenders to give a three day letter of estimate ... .I alerted the lender to provide a letter of estimate. The lender failed to do this until the XXXX day after the home sale contract was signed. The home mortgage lender failure to follow federal law prevented me to shop for the best home loan. Once I received the letter of estimate which was sent by email by the lender on the XXXX day after sales contract was signed by both seller and buyer ( me ) I informed by text to my realitor I was going to change lender. After sending this text to my realitor ( XXXX XXXX ) she informed me I should not do that or she would cancel the home sale contract!! Therefore I didn't change lenders. 
Finally I got a call from the lender indicating the USDA home loan has been approved by USDA underwriter appromately XX/XX/2021 On XX/XX/2021 received a call from XXXX XXXX from XXXX XXXX XXXX  company asking me to come to their XXXX Az office to close on the home loan on XX/XX/2021. I informed her I had NOT RECEIVED the three day closing cost document which I understood is required by Federal law to protect the consumer. Ms XXXX did not care about that and demanded for me to appear at XXXX XXXX XXXX XXXX office at XXXX on XX/XX/2021 and before that she would send me a copy of the settlement letter. It was Sunday night XX/XX/2021 I sent a text to my realitor XXXX XXXX alerting her that I HAVE NOT RECEIVED THE THREE DAY CLOSING DOCUMENT FROM THE LENDER AND HAVE NOT RECEIVED THE SETTLEMENT LETTER FROM XXXX XXXX AT XXXX XXXX. I informed my realitor XXXX XXXX I had not either received the three day document from the lender and a settlement letter from the title co. the The next morning the closing of the home was set for XXXX at XXXX XXXX XXXX XXXX  in XXXX Arizona XXXX I happened to look at the settlement letter more closely. Further examination of this settlement document showed the numbers were wrong. I immediately called my realitor. She informed me I needed to show up for the closing meeting. Once I sat down at XXXX XXXX I tried to explain to Mrs XXXX I didn't received the three day closing document from the lender and hee settlement letter was wrong. She informed me I was completely wrong. 
I knew I was correct and I walked out of the office. I immedia tely texted my realitor letting her know this was scam and I will refused to sign anything. Within minutes the lender ( MR XXXX ) called me on my cell and admitted he made mistakes. The lender XXXX XXXX... senior loan officer ... Nova home loans- XXXX Az office NMLS XXXX ADMITTED HIS MISTAKES AND WOULD MAKE IT RIGHT I was able to close on the house on XX/XX/2021 On a personal note county recorder recorded the title of the home at XXXX XXXX on XX/XX/2021. My realitor XXXX XXXX was no where in sight. She informed me in a text officially congratulating me for getting the house and the house keys were left in the electric fuse box!! I managed to head over to the house which was in the evening ... .I had a hard time opening the fuse box and finally I did. I SAW THE KEYS TO THE HOUSE AND place them in my hands... I walked into my home and I cried The reason I am filing this complaint hopefully you will take immediate action ( AT THE VERY LEAST SUSPENDED THIS LOAN OFFICER A PERIOD OF TIME TO LET MR XXXX KNOW HE CAN NOT BE IGNORING FEDERAL LAWS TO PROTECT CONSUMER. So when did I received the three day closing document. I received a dated three day closing document dated XX/XX/XXXX... .the same day I closed on the house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation