Consumer complaint received 2018-11-20
Company: Aurora Financial, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 ; I applied for a mortgage loan with Aurora Financial at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX. 
My credit score is XXXX and my debt to income ratio was very low so I was immediately prequalified. 
An appraisal was ordered by Aurora Financial on XX/XX/2018 and the Appraisal report was received on XX/XX/2018, showing the home value to be {$300000.00}. 
On XX/XX/2018, XXXX XXXX at Aurora Financial provided a commitment letter stating that I was approved for the appraised loan amount and closing was set for XX/XX/2018. 
I was assured by Mr. XXXX that underwriting has approved me, no further documentation was needed, and I was cleared to close. The only thing they needed was proof that I gave notice to my current landlord and that I would have no further financial obligations as of XXXX XXXX. 
I provided the requested notice, and made Mr. XXXX aware that I will have no place to live if this loan gets denied last min. He assured me that wouldnt happen and everything was set for closing on XXXX XXXX. 
On XX/XX/2018, I received an phone call from XXXX XXXX stating that his Auditor, XXXX XXXX, needed to see proof that my XXXX Income would continue for at least 3 years. 
I immediately sent him a copy of my Benefits Award letter  which indicated that my XXXX would continue and also outlined the nature of my XXXX in detail. 
I followed up with a phone call, and he said that Miss XXXX needed more explanation regarding the nature of my XXXX and the associated codes. 
On XX/XX/2018, I received a follow up email from XXXX XXXX, asking for copies of my Physician reports. 
That night I sent a detailed reply stating that I believed Aurora Financial is discriminating against me based on my XXXX status since the loan was pre-approved and the loan was cleared to close until the moment Miss XXXX received my XXXX Award Letter outlining the Nature of my XXXX. 
On XX/XX/2018, I received an email from Miss XXXX, stating that she believed the house is only worth {$220000.00} despite the fact that the official appraisal came in at {$300000.00}. 
I replied via email that same day, and offered hard proof of the homes worth. I also mentioned that she had a copy of the appraisal before my commitment letter was issued and didnt have a problem with the appraised value until after receiving my XXXX Award Letter. 
On, XX/XX/2018, the day of closing, I contacted the closing attorney and found out through them that my loan was denied. 
I followed up several times with Aurora Financial requesting that they confirm the denial and the reason for the denial. 
I finally received a denial letter stating my loan was denied based on value. I challenged this with no further reply from Aurora Financial. 

I had excellent credit ( Score XXXX ) and a debt to income ratio well below the acceptable limits. I was forced to give up my apartment with the promise that the loan was fully approved. The value of the home was well established via an official appraisal before my commitment letter was issued. I was asked to provide detailed information regarding the nature of my XXXX and to surrender confidential physician reports. The loan was fully approved and cleared to close until I provided my XXXX Award Letter. It is blatantly clear that I was denied based on illegal discrimination.

Company response to consumer: Closed with explanation