Consumer complaint received 2019-11-07
Company: Michigan Mutual, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX loan officer NMLS # XXXX, AZ # XXXX MiMutual Mortgage AZ BK # XXXX XX/XX/2019 is the first time we contact her on XX/XX/XXXX we had our first appointment where she provide us with the information we needed to buy a house for the first time. We proceed to give her our information that she requested my wife and i. as soon as she enter all our information in her system she immediately confirm to us that we are approved to buy a house, and during this process she said she will tell us what to do in order to get the house. some of her advises include to have a 1099 signed by my wifes employer, clean our credit, and change my wifes payroll from am XXXX  XXXX to be in a regular employee with payroll in which she said we needed to raise the amount made weekly from {$500.00} a week to {$1.00} per week to this action my wife responded to her ( XXXX XXXX ) if this was legal to do, her answer was that this was her way to get the house and that it wont be any problem. We did what she asked for and she also mentioned that we will only need to be in this high payroll for only two weeks. As soon she got the pay stuff she reached out to a Realtor to start showing us properties because we were already approved to which situation we were very exited since it was gon na be our first time to get a house 6 weeks later XX/XX/XXXX to be exact she asked us to be back in the high {$1400.00} payroll again which we did and we went ahead and gave her 2 more pay stuffs. 
she also told us that we needed to give a downpayment of {$3000.00} dollars only to which we asked how she got that exact amount, she said thats the way she does her job We finally found a house we liked the price for the property was {$290000.00} and this is located at XXXX XXXX XXXX XXXX XXXX, Az XXXX. 
She suggested to offer more for the house to make sure we get it, She suggested to offer {$20000.00} more for the house a few days later she said that our offer was accepted and that the final price for the house was {$300000.00} We proceed and paid {$250.00} for an appraisal of that house, we also went to the tittle company and paid the amound of {$1500.00} to XXXX XXXX XXXX  XXXX. At this point we were already exited for the new house and put our 60 day notice in the apartments we used to live beacuse she told us that no later than XX/XX/2019 we should be ready to move in. We did told her that we needed to be out of our apartment by the XXXX of that month. In XX/XX/XXXX she called us and told us that we are no longer approved that the only way to be approve now was finding a cosigner, We literally cried for days because of the frustration and because we were played by this person it was devastating for us still is our dream is to have a house for our kids for our family and she just did this to us and we feel she needs to be sanctioned punish whatever it takes so no more families go thru this horrible deceive The realtor that helped us ( XXXX XXXX XXXX XXXX XXXX ) was very good and when he found out about this he was also XXXX off with her and her boss Cuz her boss was covering her too his name is XXXX XXXX If any questions you can reach us anytime thru email or phone XXXX XXXX XXXX XXXX XXXX XXXX Please help us help other people not to go thru this we would really appreciate if we can get updates on all this case thank you very much.

Company response to consumer: Closed with explanation