Consumer complaint received 2023-05-05
Company: United Built Homes LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
United Built Homes XXXX, XXXX Signed contract with the United Built Homes, Builder. The construction loan was 12 months no payments. I requested home be complete by XXXX, XXXX. The sales manager and construction manager said it would be closer to XXXX. However the contract does not state a completion date. 

XXXX, XXXX UBH poured foundation and began the build. 

XXXX, XXXX Construction Manager informed me the previous construction manager did not file any of the contracts that he was now having to complete. All construction stopped and I was told we were waiting for HVAC. 

XXXX, XXXX I went to file for my septic and driveway permit and was informed the builder never filed for a development permit. I filed the development permit at this time. 
No construction on home since early XXXX. 

XXXX, XXXX Construction loan has come due and an extension was completed to XXXX, XXXX. HVAC was installed late XXXX, no other work was completed on home. 

XXXX, XXXX Filed a complaint with the Attorney General and XXXX. Builder began construction late XXXX. 

XXXX, XXXX Payment is due. I requested an extension because construction is still incomplete and they have no closing date. XXXX extended to XX/XX/XXXX. 

XXXX, XXXX Closed on the house on XX/XX/XXXX. Requested information from builder regarding my prequalification which was at 3 % interest. 

XXXX, XXXX Did not receive prequalification information until mid XXXX. Did not make XXXX payment. Began talking to mortgage officer about refinancing. 

XXXX, XXXX Did not make XXXX payment. Still trying to refinance, but my debt ratio was an issue. Currently 60 days past due. 

XXXX, XXXX Spoke with XXXX XXXX with the builder and requested an extension in order to complete my refinance. He denied the extension. Made XXXX payment. 60 days past due. 

XXXX, XXXX Made XXXX payment. 60 days past due. 

XXXX, XXXX Did not receive a mortgage statement for XXXX. Called on XX/XX/XXXX to make payment over the phone and spoke with XXXX XXXX. He refused to take a payment by phone. He informed me I currently owe XXXX payments and the house was in foreclosure. I'm currently 60 days past due, with a payment due XX/XX/XXXX which would make it 90 days past due. I requested that XXXX send me the XXXX statement and/or the foreclosure notices, with no response. I wrote a check and sent it via XXXX  XXXX for delivery by XXXX XX/XX/XXXX in order not to go 90 days past due. 

I also informed XXXX XXXX that I had consulted with an attorney regarding wrongful foreclosure on the home. 

United Built Homes is the Builder and the lender. The construction loan is at 9 % interest. 

They delayed the building of my home ( 16 months ), refused extensions to refinance and have roadblocked my refinancing. I feel this has been intentional so they can maintain the loan at 9 % interest at $ XXXX per month. At this point they are playing games.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation