Consumer complaint received 2021-03-26
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted my current lender Amerimortgage back on XX/XX/XXXX regarding a FHA streamline refinance. I was dealing with XXXX XXXX. XXXX explained to me that my credit needed to be pulled and a minimum credit score of XXXX was needed. I explained to XXXX per FHA/HUD all FHA streamlines do not need a credit score. He was adamant that they do. However, he pulled my credit and I exceed Amerimortgage requirements. XXXX contacted me a couple days later on XX/XX/XXXX to tell me that he saw that I did a forbearance and that I needed to pay the partial claim out of pocket and that it could not be rolled into the refinance. That is a FHA /HUD requirement. Being that I am in the industry I know that not to be a FACT, just like the credit score requirement for all FHA streamline refinance. So I did my due diligence for XXXX and contacted HUD. HUD also confirmed that when you do a FHA streamline refinance there are 2 different type of streamline programs and one does not require a credit min, and you can definitely refinance your partial claim into a FHA streamline refinance. FHA/HUD also provided me with the article guidance for Amerimortgage. I forwarded the email to the loan officer XXXX XXXX, asked for him to review and follow up with underwriting or whomever needs to review the FHA guidance. I did not hear back from XXXX for 2 days. He responded back to me asking if I extended my forbearance. I was very unclear where that line of question came from since he is with Amerimortgage and he would know that I DID NOT extend my forbearance. My forbearance was from XX/XX/2020 I resumed my mortgage payments back in XX/XX/XXXXXXXX XXXX Amerimortage took several months before they completed my partial claim paperwork. Those are facts and he should be able to see payments have been made. When I answered his question with the same response as I am giving in this complaint and asked for a follow up on the refinance and rolling in the partial claim I have yet to receive a response. I explained to him back on XX/XX/XXXX that I was working with another lender and they were following the FHA/HUD guidance and it appears to me based on his quick uninformed answers there is some type of predatory lending. He was adamant that I am incorrect, and has not responded to my escalation. Amerimortgage has pulled my credit report and are doing nothing for me since they know I qualify for the credit score so now you are attempting me to disqualify my refusing to role in the partial claim and force me to pay thousands of dollars out pocket.! I have also called Amerimortagage since XX/XX/XXXX regarding a copy of my mortgage note. I have been told now 3 times since then a request would be put in and the turn around time is 1 business day. Each time I call to follow up mysteriously the request was closed because someone at Amerimortgage did not put the request in correctly. I called this morning and placed now the 3rd request and was told the turn around time is 1 business day. I continue to explain to the representatives that I needed this document, and I needed it today XX/XX/XXXX. But, yet I am told it will take another 24 hours due to their incompetency twice before.

Company response to consumer: Closed with explanation