Consumer complaint received 2021-01-13
Company: Fairway Independent Mortgage Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a loan late XXXX XXXX and was told my information but did not officially take it until XXXX XXXX. Then I did not hear from did not put I am a XXXX XXXX, and I have saved and sacrificed for the past XXXX years so my daughter and I can live in a better environment ; and have our own home. I am writing this letter seeking help because my family was treated unfairly. 

On XX/XX/2020, my contract bid was submitted to Fairway Mortgage with all the necessary paper work, per request, to process a loan ; It was ignored for nearly 3 weeks. 

On XX/XX/XXXX, I completed the actual loan agreement. Then on XX/XX/XXXX I received a call from????? ( from the department ' same person i had been speaking to ' )???? asking for the exact same paperwork I had already sent over. This happened time after time, the same paper work was requested and I would continuously resend them immediately. At one point I even met the representative in the parking lot of his office to give him the same paperwork. Repeatedly my realtor asked him if he needed any other paperwork, and he said no, then she specifically asked is that all you need and he said yes. 

On XX/XX/XXXX I received an email form him telling me about the fact, the house did not apprase, and that I would need a gift letter for {$3000.00}. I did what I had to do and finally an XXXX agreed to give me the gift. During all this time going back and forth, I had to pay for XXXX extensions, which cost me {$1100.00}. my agent specifically ask what was needed to get me a 'clear to close ' because i had received an approval letter. 
my closing date was originally schedule for the last of XXXX but he had delayed my file. I received a second closing date for XX/XX/XXXX that didnt happen, and I wasnt given an explanation why, which further shows the lack of communication from the representative. It wasnt until the next month XX/XX/XXXX that i heard from him. i also heard from the seller that i have to pay for my last extension, and I had to have my 'Clear to Close '. he then informed me that the gift I needed went from {$3000.00} to {$8000.00}, which of course place me in a serious bind. My agent wrote his boss and after his response was, '' who told you my bosses number? '' the next day he said you didnt get a clear to close anyway. Then he inform me with three day left to closing i had to come up with {$8000.00} instead of $ XXXX my loan was process in a timely manner i would have been able to meet the demand. 
The lender told me that they received a 'Clear to Close ' but my attorney never received the 'Clear to Close ' I feel I was treated unfairly by this particular representative because I didnt use the inspector that he recommended. I know I have the right to choose my own inspector, which I did, and for that I was sabotaged.

I am seeking help to right this wrong and my lost money returned back to me from this representative. I am also seeking to make sure he doesn't do it to anyone else Again, I am a single mother that saved and sacrificed for the past five years some my little girl and I can live in a better environment and have our own home. We may not look like the majority, or be as educated as some, but we matter and should be treated with dignity and above all, fairness. 

What was done to our family was unfair and should not be done to anyone. I humbly ask for help to rectify this situation. Ideally Id like us to have our new home as soon as possible, but at time i need my money back. Thank you for your help. 

a minimum have all the expenditures returned so it can be used towards any monies need for our new home. 

Expenditures are listed below : -Earnest money deposit {$1300.00} -Inspection {$1100.00} -Utility turn on {$150.00} -Extensions {$1100.00} Total : {$3700.00}

Company response to consumer: Closed with monetary relief