Consumer complaint received 2020-11-18
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have been under contract since XX/XX/XXXX. My first closing date was XX/XX/XXXX. I submitted all requested documents, was conditionally approved, had the home inspected, and paid for the appraisal on XX/XX/XXXX. When I paid for the appraisal was the last I heard from Annie Mac Home Mortgage ( company NMLS # XXXX ) until XX/XX/XXXX when my loan was outright denied due to me being paid on commission. My loan officer, XXXX XXXX, was made aware of how I was paid in early XXXX and did not give me any indication that this would cause a problem. He never communicated with me at all. I found a new job in a few days and started on XX/XX/XXXX. The new closing date was set for XX/XX/XXXX. Since then I've had to : 1 ) request a copy of the appraisal report because I was never sent it, and I was asked to sign the disclosure saying that I declined to see it. 
2 ) provide complete account information for my grandmother 's bank account to validate gift funds, as opposed to 30 days transaction history like they requested. 
3 ) provide full account information for my father in law 's bank account and his business account to validate gift funds, as opposed to 30 days transaction history like they requested. 
4 ) resubmit my bank statement from XXXX because that was not given to the underwriter. 
5 ) resubmit my PIF letter for my car because it was not given to the underwriter. 
6 ) submit the invoice for my engagement ring to prove I'm engaged. 
7 ) submit photos of my engagement ring to prove I'm engaged. 
8 ) write and sign a letter stating how I'm qualified for my job and show my GPA in university to prove I'm able to remain employed. 
9 ) resubmit my father in law 's business bank statement because the processor, XXXX, said he never received it. 
10 ) make a dedicated social media post about my engagement because they still did not believe I was engaged. 
11 ) submit my fiance 's birth certificate to prove he and his father are related, which was rejected for not being an American document. 

I have emails regarding all of this information. The gift funds were present in my account all through the month of XXXX for the original closing date of XX/XX/XXXX and none of this information was requested. Nothing was communicated, they never spoke to me. I attempted to resolve my confusion with the company, sending emails to XXXX, XXXX, XXXX, and XXXX, on XX/XX/XXXX and it took four days of my fiance and my realtor calling XXXX to get him to answer me- and when he did, none of the information he asked me for fulfilled the requests of the underwriter. At this point this company has all of my and my family 's bank account information multiple times over and they are clearly untrustworthy. The lack of communication and the increasing stakes of the documents being requested- as well as discriminating against my partner- is unacceptable. I am supposed to close Friday and I still have not been cleared to close, and no one is responding to my complaints.

Company response to consumer: Closed with explanation