Consumer complaint received 2018-09-17
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Good Day My Name Is XXXX XXXX XXXX I've recently purchased a home in XXXX moving from XXXX back so my family could help whenever needed. My hands and wrist are at times not corporative. It will take a whiel to write this. I signed my documents on the home a day or so before the sellers signed, as I was in town and had to go back to XXXX to close on the house there. I was assured this was done all the time and very normal, though not in XXXX. I did a walk through of the home the day before I signed to get measurements. It did not occur to me that a detailed walk through to check everything that was suppose to be repaired and in working condition as it was inspected by XXXX XXXX XXXX who gave it an all clear basically. Even after reading the so called termite report that was only XXXX for the sellers and Out of XXXX, XXXX which takes me by a huge surprise. Not to mention when I asked for all the work orders that was suppose to have been done before taking ownership, the electricians paid copy with nothing on it but added 2 GFIC outlets, but the date was XX/XX/XXXX, several days after I signed and had already moved in. I mention this because the day I moved in the double ovens on the wall in kitchen were not working at all and still not. My realator came over with an electrician she uses to check the circuit breaker, and it was fine he said. I was told that the Ovens could be repaired and the previous owners would pay, this I denied, simply because the previios owner was not honest with me or reports on any level, so using someone that would be sent over from them to take them out and try to repair would have been a nightmare. There is no way this home was inspected for bugs or practically anything. The day I moved in I wouldn't even sleep for fear of the abundance of roaches and other small bugs all in the house, garage, attic ( which I still have not cleaned out ) This went on for days, I used bombs in the attic, garage, sprayed the outside and inside several times, sweeped up the dead and Prayed it would get better, which after about 10 days it did and a lot of bug control. This house had been a complete wreck upon move in. One wall had 2 holes and its ship lack so repairs are not easy on this, the previous owners said the owners before them had a TV there, but again why wasn't this disclosed. Also on another wall in Living room a Very large hole in wall with a cable hanging out, I do not remember the excuse on that one. But it was never told to me and it was covered, more holes smaller here and there. Master Bath a complete, not sure how to describe it, holes where attempts to cover with caulking but didn't stay, I had asked for any and all outside wood on the house to be replaced before move in. None of this was done. The relators came over when I wasn't home and walked around the home and said they didn't see anything that needed replaced, as usual you have to look closer. I was concerned that water had been dripping out of the attic down the wood under the gutter on back side above AC unit, so I asked for the work done on this Unit as well, because I had asked and it was recommended that it be cleaned. Since my dad does HVAC for a living commercially in XXXX XXXX I asked him to come over and check the AC unit in the attic. Upon doing so it was discovered that the pan under the one in the attic was all rusted out and has holes in it leading the water to drip through to secondary drip and following the path down the side of the wood from attic to outside, and this entire area was soaked and saturated with water for a while. The outside vent was bent back to allow drying if it will even get that far. The wood is soaked inside through out. how they never saw this was a complete, no words can describe how I feel. I looked at the report the AC company gave the previous owners when they had it checked out per my request. It states everything was fine and no recommendation for any repairs, all checks are ok, but they added gas to it R22. How does a professional sign off on this when it clearly was not ok, and the wood was drenched from attic to the water standing on the outside vent and dripping constantly which it now has a pipe that drips the water to the ground temporally but is not a fix, and it pours out constantly. So I could be looking at Mold or fungus if this dries out soon. Beyond the Ovens not being in working order at move in and still have not been replaced, yes I know I denied their offer to repair them simply because everything that had not been told to me or missed by the Inspector completely ad been a complete nightmare. The exterminator invoice has nothing on it but XXXX paid, and was done on XX/XX/XXXX18. Mentions a side fence that has some infestation but does not tell what, and there is a huge workshop in back yard, its all fenced in together and no inspection or anything was done on it and by looking at it inside and out it had a termite problem but nothing about treatment or anything, wasn't even told it was on a separate electrical system also billed separately. The day I was coming to move in they left this place a wreck, it was disgusting and I had asked for professional cleaning also. My mother and my realtor came over to check things out before I arrived and the realtor called din a cleaning crew to re clean the house. First I don't know how the inspector missed all the things that were wrong youd have to be blind, the ovens just happened to stop working when they moved out, not buying it. They also knew about the condition of the AC and had to know the wood was saturated and would needed to dry and treat for mold or mildew, and replacing a few pieces. As the the heating and air company should of been 100 % honest of their report and went on notice that the pan was rusted, holes, and draining by secondary drain option through a pipe that looked new, down the wood and out a vent leading outside. I paid XXXX for the house. To replace the ovens and have it installed Im looking at over XXXX plus if the repairs needed to the wiring behind them or the hook up. maybe more. The wood that has to be replaced, treated, and an AC unit that needs replaced and has a false service list. To miss everything wrong he would have had to be, well just didn't go in the attic, and it wasn't cleaned because their were weeds covering the outside unit. to replace, repair wood, and treat for Mildew or  other if needed could get over XXXX that's depending if when it finally dries out there isn't any mold. They also were asked to fix the garage door, as it sometimes slams against the motor when opened, but not all times, the latch comes loose and re aligned. But of course denied anything was wrong with it and when my realtor came to look of course it did not do it, yet a couple times later slam. This is scary as if you go to close and it goes that fast and doesn't stop it could injure myself or another badly. I was told that everything had been done that was on the list, yet found out after moving in that it just wasn't so. Holes in walls is one thing, non working ovens is a little different, the previous owner said he had replaced something on them when they moved into the house, and guessed it probably went out again, so repairing it again especially at their age, with someone they would send I just cant trust that. The whole thing with the AC unit, the wood, the leak the rotted pan, and a 100 % pass by the company is far different. I can't afford to do all these repairs and pay my bills. The inspector is got to be blind or just didn't do a complete inspection, and how the building out back was missed completely is a complete, again no words. I haven't spoken with my realtor since she was here with an electrician to check the box, which he said everything was fine yet I have outlets that do not work in house. It was told that the previous owner was some sort of contractor or worked for one and he did all the electrical in the house, which you can tell it wasn't professionally done, their are barely any outlets in the house to begin with so they need to work, the outside lights are suppose to cut off and back on when something crosses them, they all stay on at night so I am having to replace them as well. I just do not understand how and it being a VA Loan all this was missed, wrote up falsely, and orjust completely skipped. I am XXXX XXXX   XXXX and unemployable and this is an outrage. We go with VA loans to prevent being stabbed in the back and run all over, supposedly getting a better rate with good score, yet that didn't happen. This has been the worse nightmare ever and still going. Someone is responsible for the AC problems, the wood, repairs, the ovens not even sure how to handle that one. There has been too much dishonesty going around since I bought it and I need help. I have no idea how to handle this, and my XXXX and XXXX is really bad due to this. All these people involved did a disaster job on repairs, and overlooking the shape of things in front of them, and it makes me think if anyting was actually checked to begin with. They are in breach of contract because of the AC unit. I wanted it checked out and they agreed and the report is false. There is also the ceiling fan in Maser room, it had been hanging down and is determined that they shoved a couple pieces of wood up in the ceiling above it to try and make it stay, looking closer there is hole in ceiling around it and everything has to be repaired and replaced as well.

Company response to consumer: Closed with explanation