Consumer complaint received 2021-01-26
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mom signed a contract for A HOUSE in XXXX with a closing date on or before XX/XX/2020 I was going to co-sign for her Ms. XXXX ( the mortgage person ) and her daughter ( whom neither are realtors ) offered to sell my mom 's house for {$1000.00} and list it " FOR SALE BY OWNER '' They took horrible pictures and were supposed to put on XXXX instead they put it on XXXX. 
She couldnt figure out how to get it on XXXX and after we saw the horrible listing, we decided to list with an agent my mom had dealt with before I cant log in to the realtors portal any longer to see the contract or get a copy of the contract I had with the seller I dont have the exact dates so you can read on the listing about the exercise equipment I was gong to purchase for {$5000.00} I put down {$1000.00} earnest money {$500.00} for an appraisal and {$5000.00} for the exercise equipment. 
There was an application done in the beginning and a couple of items asked for here and there -the beginning of XXXX came and I forgot about a trip we had planned and was going to be gone on XX/XX/XXXX. 
Ms. XXXX ( the mortgage person ) was NOT ready for closing and this whole time was leaving the realtor in the dark since she and her daughter werent selling the house is what I am now thinking. 
She wasnt sharing ANYTHING with the realtor and I will be happy to share her information with you and she will be happy to confirm this information. 
The closing date changed again after this and Ms. XXXX KNEW when we were supposed to close and really didnt start working on this loan until the week of XX/XX/XXXX. 
Most days she wasnt reachable until after XXXX XXXX and some days you couldnt reach her at all. 
I can tell you every time she asked for a piece of paper if she said it once she said it a dozen times, she made the remark Someone REALLY doesnt want you to have this loan. Ironic isnt it?? 
She knew my mom was on vacation this week- she apparently thought it was closing day and called my XXXX-year-old mother Tuesday night and told her the news about the loan, my mom asked her what she should do and Ms. XXXX told her TAKE YOUR HOUSE OFF THE MARKET. 
Im sorry she is under contract for 6 months and this woman is telling an XXXX-year-old woman to break a contract?? Who does this? 
I called the realtor to find out what our options were after Ms. XXXX screwed us on this contract and I found out I lose the {$1000.00} earnest money and {$2500.00} of the {$5000.00} on the equipment, in addition the homeowner is going to sue us since this has taken TWO MONTHS to get an answer on the loancompliments of Ms. XXXX ( the mortgage person ) The morning after the Mortgage person created a company- they called and wanted to update my moms credit file!! 
What is wrong with these people? 
THIS ORDEAL HAS BEEN WORSE THAN A BAD NIGHTMARE! 
The mortgage person called my mom and told her the loan was denied for one reason and called me and told me my mom didn't qualify for the loan when I was the co-signer. 
This loan was supposed to close on XX/XX/XXXX. 
They declined the loan on XX/XX/XXXX NINE DAYS AFTER THE CLOSING DATE ON THE CONTRACT!! 
THE MORTGAGE PERSON NEVER LET THE REALTOR KNOW WHAT WAS GOING ON. 
SO, I lost {$1000.00} earnest money {$500.00} appraisal {$500.00} home inspection IN ADDITION {$2500.00} so that the seller wouldn't sue us for going past the closing date. WHICH WAS NOT OUR FAULT! 
IT WAS THE MORTGAGE COMPANY 'S FAULT. 
I am out {$4500.00} and they don't care The mortgage company did their little audit - started on XX/XX/XXXX and I was just sent the results after I asked for them several times. 
see her results ... ... ( see below ) Cinde Law XXXX wrote on Wed, XX/XX/XXXX at XXXX XXXX An audit was done and there were no findings of any wrong doing or anything that would have changed the outcome of the denial. I hope you have settled with the seller AGAIN ... .THEIR MORTGAGE PEOPLE MISSED OUR CLOSING DEADLINE ... NOT US! 
AND/OR DENIAL TIMELINE ... NOT US! 
IN ADDITION ... .THEY WERE CHECKING OUR CREDIT SCORE ON A WEEKLY BASIS ... ..you know what that does to your credit score????? 
I am certain that one of the mortgage people are no longer with them after I complained about this situation to them as she is no longer listed on their website. So, I feel they did find in their audit that there was some wrongdoing. 
Their mortgage person wanted me to write a letter and lie about my business situation and I refused to do that and I feel that is why this loan was denied. 

This concerns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation