Consumer complaint received 2023-04-27
Company: AMERICAN PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX veteran with a XXXX XXXX  child. I am partially XXXX waiting on a determination for XXXX XXXX. My spouse works full time but only makes roughly {$3000.00} a month. I acquired XXXX VA home loan but because of the housing market we had to move away from XXXX and ended up here in XXXX XXXX WA. We are 100 % certain the victims of a predatory loan company and I have filed complaints. My experience started back around XXXX of XXXX when i met XXXXXXXX XXXX XXXX XXXX XXXX out of XXXX WA. This quickly spiraled into a stressful and horrible experience. Over the months of apply for a Va loan, XXXX groomed us. She made us feel subhuman by telling us how horrible our financial situation was and how no other loan company would even consider us. She said many times how her company was only considering us because we had a VA loan. We got approved around XXXX of XXXX after a grueling process. We could not find a home in time and by the time we did in XXXX of XXXX XXXX negleced to inform us that the loan had expired and we had to start over, when we had located a house. We got approved again but around XX/XX/XXXX of XXXX she ignored my emails for days, I then got a call from her telling me that she didnt have to work with us, she threatened to walk and told me i can find another loan officer. I was perplexed and confused, she then called me screaming at the top of her lungs on my phone, so loud that my spouse and son heard it. She told me how horrible of a person i was, that i was agressive and hard to work with which was just the oppoisite. This woman scrared us with her unstable behavior, threats, making us feel subhuman about our financial situation and gave us a loan amount just {$10000.00} shy of being able to buy a nice home that was problem free. We finally got a home but we got suckered on a {$270000.00} mortgage and the home has a collapsing roof, black mold all throughout the attic, and other issues. I am partially XXXX  and have an XXXX  child. We will never be able to budget for these repairs, our Va appraiser that XXXX  sent out also missed every problem that VA demands a home be free of. I told XXXX many times we wanted a solid and safe home. We were new to home buying, she also had our inspection report and promised to look out for us. Instead she treated us like filth and left us in this mess. I filed a complaint with the attorney general, I complained to her boss and the XXXX XXXX XXXX. They do not care at all. It does look like they fired her or she left the company based on this incident so that proves there is guilt. I can not even find an attorney local because northwest justice has none in XXXX XXXX. What happened to us is unacceptable. She also liesdd many times about what our monthly mortgage payments would look like and she misjudged our property tax by XXXX a month ( she said {$400.00} ) in the closing docs. This was such a horrible experience and now living in an unsafe home we are stuck in makes us never want to attempt to buy another home again. We were taken advantage of. 


I am looking at {$45000.00} or more depending on the company in repairs and having just gotten into a {$270000.00} mortgage, there is no way I can pay or even budget for this. my loan company cares about is 30 years in payments from me and is essentially laughing at me. 

I have reached out to the federal weatherization program and they tell me they have a year or more waiting list and that commerce is telling them not to take applications. I looked into the federal emergency home repair grant and all of the packagers on the website do not assist with forms anymore or they are disconnected numbers, that program also has too many tedious forms and will take over a year to get anywhere. We do not have that kind of time. I reached out to habitat for humanity local office and havent heard anything, XXXX XXXX, my local XXXX, the XXXX  veterans program, XXXX, and XXXX charities. No one has any idea how to get me help. The federal programs are tedious and broken. We are stuck with no options to make our home safe to live in and no where to go. We thought we were getting a step up in life but now we are worse off than when we rented. 

XXXX XXXX and her company are predatory and caused this burden and crisis.

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