Consumer complaint received 2021-05-24
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im writing because on Friday XX/XX/XXXX I viewed a home at XXXX XXXX XXXX  XXXX XXXX XXXX, NC that was for sale with XXXX XXXX I advised that I love the home and I was interested in moving forward I explained to her I was on maternity leave but I was receiving XXXX for me and my son and I just got my award letter stating I was XXXX since XXXX plus I get child support. She advised me to contact the lender XXXX XXXX XXXX # XXXX which I did even though it was after XXXX XXXX  once I viewed the home. I contacted her ( this call was recorded on my app on my phone ) and explained everything to her and that my daughter is only XXXX XXXX  old but I still have my job on the military base at the XXXX  and I get around {$2600.00} in XXXX for me and my son. I advised that I can put {$10000.00} - {$15000.00} down right now because XXXX just gave me around {$17000.00} in back pay. I was willing to do what it took to get this home for {$200000.00} I even told her I will put {$50000.00} down through text message because Im getting more back pay anytime now. I advised her I was gon na pay off my debt and my credit will be in the XXXX it was XXXX before I got in debt and that was 2 years ago. I have nothing bad on my credit since I was XXXX XXXX XXXX I pay everything on time I have about 13 credit cards and installment loans. I advised I was gon na be able to pay off my debit plus put a decent amount of a down payment up to {$50000.00} if I had too. I love the home because it was in a cul-de-sac a police was across the street, the big closet spaces because I have a lot of shoes and clothes, it has 3 bedrooms plus a bonus room I have a XXXX XXXX XXXX plus my son thats XXXX XXXX XXXX. It has a fence in back yard the kitchen was lovely I just loved this home once I set my mind to something I want I strive my best to get it. I advised her that I had no inquiries on my credit report and I was really proud about that I told everything up front truthfully. She said she can definitely help me as long as I pay off my debit at closing she told me she can get me a preapproval letter over the weekend because Saturday was the next day so just go ahead and fill out the application. So I got home filled it out even though I was tired from dealing with a newborn all day plus my son and I have XXXX as well as my son. I filled the application out and contacted XXXX in the morning on XX/XX/XXXX, to advise that I did the application because homes are going very fast know I wanted to put in my strong offer with my realtor I just met. Soon as she pulled my application she advised she could not help me through text messages because I was on maternity leave and we could revisit once I return back to work. That triggered me my XXXX, XXXX and my XXXX. I told her that was discrimination plus if she would told me that I would never ran my credit. I dont just run my credit she was confident that she could help me get this home on the weekend. She only was able to pull two credit bureaus because I had to unfreeze them all but for some reason one was still frozen. She did not tell me how much I qualified for and I still dont know after she told me she couldnt help me because I was on maternity leave. I asked was it my credit and she was like your credit is fine. I went through something like this when in was pregnant with my son thats now XXXX being discriminated against because of my children it trigger me and put me in a very dark place with XXXX  and severe XXXX all weekend with severe XXXX  XXXX. I did contact XXXX XXXX and XXXX XXXX panicking trying to get the hope since my credit was already ran I honestly couldnt think straight because so many things were effecting me. I advised XXXX XXXX and XXXX XXXX did it matter I was on maternity leave and they said no. XXXX XXXX did give me a preapproval letter for {$230000.00} but about time I got it, it was too late they stop taken offers on the home around XXXX XXXX. on Saturday XX/XX/XXXX. I feel discriminated against for having a child. I have just a right as a man to get a home or a woman with out children its my right to have children and to be on Maternity leave. I would be back at work about time the home closed. She had my hopes high and ran my credit and just like that told me Im on maternity leave when can revisit once your back at work with 2 bureaus information even advised her I would return to work sooner put {$50000.00} down to qualify. I been staying with my mother so I just really needed this home for me and my children they are my life. I had two XXXX  back to back before my daughter. I been through a lot and she act as if she could help me and then turn around and make me feel bad for having her and being on maternity leave. She told me after she pulled my credit and she couldnt help me that she was with her daughter like trying to brush me off. I kept texting anyway and she finally told me we can meet Monday but after she told me all those things I was feeling very XXXX and XXXX I dont want to meet with her it was too late the damage was already done to me. I dont even want to look at anymore homes or anything right now and I advised the realtor that even though I have a preapproval with XXXX XXXX but it was too late for that home. I just feel horrible and Im trying to get my therapist on the phone and my XXXX because this is the worst I ever felt in a long time and I even had to take my XXXX pills and I try not to take them because Im breastfeeding my daughter. My XXXX is XXXX so bad I can barely take care of my daughter or son the whole weekend and still today and its Monday. I really want this home for them not for me it was just perfect in a cul-de-sac and a police across street with fence in back yard and enough closet space in the master bedroom and bonus room it was a dream. I wouldnt even wasted my time running my credit or anything if she was gon na deny me for that home and not consider my job because I was on maternity leave only my XXXX and child support she knew it was the weekend and everything. I recorded her stating the night before she could help despite it being Saturday. I wouldnt of ran my credit right now if I knew I had to be working according to her. I really need these inquiries off my credit and something done for everything I went through and going through before I take further action. I have her recorded ( Not against the law in the state of NC to record ) and her text message. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with explanation