Consumer complaint received 2019-01-23
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I applied for a home with DHI and was approved with a closing date of XX/XX/XXXX. I then got laid-off from my job on XX/XX/XXXX, but already had another job lined up and therefore immediately I notified my loan officer including the offer letter which included my income. I sent it to her on XX/XX/XXXX. I wasn't notified until XX/XX/XXXX from the loan officer ( 10 days before closing ) to advise she wasn't going to be able to approve the loan because my DTI. I was distraught. I then called her back several times and she did not answer work or cell. Therefore, I sent her an email asking what was I to do because I had no where to go at that point and why wasnt that caught when I sent the information to her which would have alotted me enough time to rescind the 60day notice, considering I had to put in a 60 day notice to vacate and it was too late to reverse it at that point. I never received a response from the loan officer which then prompted me to send her another email which asked her why my child support income could not be considered. She then replied to that email stating " she could use the child support if it was 6 months ''. I already mentioned I only had 3 months so I knew she was basically telling me there was nothing she could do for me. I then reached out to my realtor and she directed me to another lender that she knew would be able to help me. I contacted the lender and he got on it right away and got me an approval with my 3 months child support. On XX/XX/XXXX the loan officer from DHI reached out via email stating she could now use 3 months. I knew immediately she was trying to steal the loan back but I already made the decision to work with the new lender who was able to help willingly. I advised her I decided to move forward with the lender and asked for her to transfer the loan to the new lender. I never heard anything from her and a week passed and she had not yet transferred the loan which delayed me in closing. Me, my realtor and new lender had to jump through hurdles to get in contact with staff at DHI to have the loan transferred. Once they transferred the loan on XX/XX/XXXX they submitted a denial which blocked other lenders from working with me. I am now homeless with no place to live with my XXXX children. I have made several attempts to get the loan transferred without the denial ( which is not valid ) and appears to be an deceptive act as they was trying to take the loan back. I also asked for manager, VP and director contact information and have not received any response. They have drug my through the dirt hindering my ability to get a FHA loan when I am qualified for the loan. Their unfair and unethical behaviors has damaged me and my family tremendously. They made me pay them {$450.00} for an appraisal then turned around and blocked the lender from being able to close me on the house. I have lost many nights of sleep, cried a river and have not been able to eat a meal since this has taken place. This by far is the worst lending company to work with. I would not recommend DHI for any lending purposes.

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