Consumer complaint received 2018-01-11
Company: Supreme Lending
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
First weekend XX/XX/XXXX I met my realtor XXXX XXXX at XXXX XXXX XXXX. I was devastated from bug infestation in my apartments and in tears. She told me she could get me in my own home for XXXX " if I qualify '' which of course I did. I was nearly harassed at work to explain to the lending co how I would pay back the loan and could not pay back more than XXXX/wk or I would not qualify. My realtor assured me she would tell them to back off my place of employment. I had borrowed and am still paying on the XXXX to get in my " newly remodeled, newly updated, new ss appliance '' home. I was told during the buying process of this house XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX that it has to pass FHA regulations but left out that is n't much. I was told after the Earnest money was written XXXX to XXXX XXXX XX/XX/XXXX and had XXXX XXXX XXXX due by my realtor, " you have 10 days to get an inspection ''. I was shocked!! and asked how much is that? she said knew someone was about XXXX. I said I do n't have that and had to take the loan for the XXXX. She never told me I could back out until I could afford one that it is very important. She only told me that the lender would do an FHA appraisal and they do their own inspection which wast true but she did n't warm me that they do n't check for much. I have pictures and all kinds of things to attach with all involved. Warranty company wo n't cover damages. I moved in XX/XX/XXXX. Since then my house has sunk, turns out whoever did the so-called upgrade and remodel put the " flange '' of the new tub drain on backward and drain broke off which water was just draining down the whole and washing away the ground under the slab an sunk this house. Listing Realtor at XXXX XXXX seen on XXXX XXXX XXXX attachment with account numbers and title company contact. She told me that the people lived int his house and it had to have happened when they moved out and did n't use it. My neighbors said they moved out and " bank '' came in and did a lot of work then they listed it. I have documents from beginning things were covered up from similar problems. I have estimates of almost 10K in just a few months from the damage this new remodeled upgraded, " seems sound '' home did. I 've been fixing things breaking since day one. I do n't know where to turn. Insurances wo n't cover, see attachments, realtors do n't help. I wanted to walk away but my son said do n't. I was n't planning on XXXX in a couple months or I would have saved up for a conventional loan. I believe i was sold an upgraded lemon. Listing realtor said was vacant before XXXX and XXXX XXXX bought it though XXXX XXXX and had a lift done. The company that did it in XX/XX/XXXX I had come back and said he did n't do much. I was advised by another company that you have to have a scope done after lifting to assure pipes ddid n't crack. The one that did work in XX/XX/XXXX seemed to know there was a leak. Said he would not even give a bid to lift again til I ruled out a pipe leak which I did now I wonder it has n't been there all along denied by sellers on disclosures. I have pictures and documentation of how new the place looked moving in and now I fit quarters in cracks upon closer examination were patched up in identical places before under all the " new paint ''. I asked if they did a scope after but realtor has not gotten back to me yet. Contact sellers through listing realtor. XXXX in XXXX XXXX did the lift in XX/XX/XXXX but would not write what he did exactly. I just replaced what I found to be slow drip through holes of kitchen sink water valves when dishwasher died I noticed it. All cabinets were so clean no one used these before me. I truly believe water damaged cabinets were replaced to cover severe damage. This place was falsely advertised as far as I 'm concerned and I got scammed into a lemon of a house for XXXX in debt I thought was worth XXXX myself over but I can not XXXX myself. I 'm so discouraged in that I have no more resources and am juggling my bills already. I have no way to pay for these damages. I have done a lot of research and inspections do n't do scopes to find leaks or disconnected drains. I had very bad guidance in buying my first home. I told my realtor over and over I was trusting her to help me make a wise decision. She as on the phone once while we were getting ready to see one I chose to view and she as calling on a house she wanted. I never saw it coming. I even referred a friend to her an I was the one calling my friend to force her almost to get an inspection for her home. Now I would advise an engineer and plumber to scope the pipes. I do n't know what to do from here. I just documented, had plumbers come, engineers, etc because I was noticing my home sinking and cracking and knew it was n't right. My realtor would tell me she had cracks too. She was no help at all. I still do n't know for sure who truly did the remodel on this house. I also do n't know if that bank should be responsible for over looking so much for a " secure loan ''. The faucets never worked right in the baths only sinks, See attached documents showing the house advertised as new updates, new appliances, etc. No riders on warranty so dishwasher is dead and they run about 500 bucks. I have bids that will attach for repairs, I have insurance statement denying clam, insurance contact. XXXX XXXX XXXX said wo n't cover is per-existing. I truly believe the owners knew but did n't want to pay to lift the foundation and did a lot of covering up. ALL WINDOWS AND DOORS ARE REPLACED and have patched corner jagged cracks. This place was sinking before and they said lifting.fix on disclosure. I have not procrastinated. I have been gathering evidence and documenting everything as it happened. I will not be able to attach it all. Please help me. I do n't know what to do and I 'm maxed out financially. I 'm falling into XXXX. Realtor ; XXXX XXXX XXXX XXXX XXXX XXXX, Listing Realtor XXXX XXXX at XXXX XXXX see address on XXXX XXXX XXXX Policy. Sellers are XXXX and XXXX XXXX contact through listing agent. XXXX XXXX XXXX Oklahoma did the lift in XX/XX/XXXX never said if recommended scope back then. XXXX XXXX tells what happened, what fixed and what needs fixed. See Attachments for lift estimate and so on. If we can I 'd like direction to whom else this complaint can be forwarded to. I am well aware I signed documents but 130 plus pages in less than half hour of singing not sure what I was signing. Point is this house was falsely advertised and I want it to the standards it was advertised and I want this incorrectly installed tub drain damage fixed. I think between all of those involved they can be responsible for fixing this house so I have a house I believed I was being sold. The pictures show what was being advertised and then some show gradual cracking and what I 'm dealing with now. I have tons but this is all I can attach right now. I do n't believe that ethically I should be bound to sucking this up as a lesson in buying a house without an inspection as I believe to secure a loan one should be done to assure it can be secured. I also believe things were rushed as you will see confirmed on XXXX 's email with her contact information. I have attached documents with contact information for all I have mentioned and have assess and denied, fixed and bid, bid and where I am.

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