Consumer complaint received 2018-11-09
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I began the process to refinance my existing mortgage from a variable rate to a fixed rate product. I did some research and decided to go with Rocket Mortgage who claims that they are " Engineered to Amaze '' their clients. I did this with the help of my father, a Senior Vice President in charge of a mortgage division for a bank here in XXXX, now retired. 
I am a XXXX single woman, mother of XXXX children, with an impeccable credit history, liquidity and 40 % equity on my {$720000.00} home. 
The process was going quite well and we were ready for the " final steps '' and that is when the problems began. 
I got divorced in XXXX and I provided the divorce decree which stipulates the alimony and child support that I receive on a monthly basis. I provided my tax returns showing that taxes are being paid on this amount. In addition, as of XXXX of XXXX I am employed by XXXX XXXX here in XXXX in a management position with a decent salary. 
My ex husband is a XXXX XXXX and travel around doing conferences in the United States and XXXX XXXX. At the time of the settlement it was decided that he open a checking account with my signature so that I could draw my payment every month without having to go chasing him and tracking him down. It has worked successfully up to now and the sole purpose of this account is for that transfer to take place. I deposit that check into my personal account every month. His bank would not do an ACH into my account because although the alimony payment is constant, there is a variable component for the children 's expenses which vary month to month. Bank statements were provided to this effect. Our communication is limited to the children 's needs and have no access to each other 's finances or accounts. The underwriters at quicken which have been many, refuse to understand the situation and are requesting that i need to get his bank statements from his medical practice to show where the funds come from. It is very simple, it is stated in the divorce settlement agreement you don't pay you go to jail. As you can understand, we are not in a amicable situation to be asking for this information. What happened to the three " C 's '' of credit? Character, Credit Worthiness and capacity to repay. I feel that I have been taken for a ride either for the fact that I am a XXXX woman who they feel is trying to get away with something or they do not want to honor the rate that we negotiated and don't know what else to do to turn me down. 
We are in fact looking at a jumbo loan of {$430000.00}, 60 % loan to value. The whole situation is bizarre at what would seem to be a slam dunk deal. 
In reading the reviews for Quicken, I see many common complains where people get bounced around and they don't speak with each other resulting in situations such as mine. I would like my case to be investigated with all details we provided to the. My loan officer, who by the way, was on board from the very beginning was XXXX XXXX and he was very helpfu.

Company response to consumer: Closed with monetary relief