Consumer complaint received 2021-06-23
Company: Supreme Lending
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I switched careers to make a positive impact in my Oklahoma community during the COVID-10 pandemic. I began working as an XXXX XXXXXXXX for XXXX XXXX XXXX using CARES Act dollars, and now Emergency Rental Assistance Program dollars, to keep Oklahomans housed who have been impacted financially by COVID-19. My Nana passed away from XXXX on XX/XX/XXXX, then in XXXX I found out my landlord has other plans for the house I am currently living in, so I needed to move by XX/XX/XXXX. On XX/XX/XXXX I applied for a mortgage loan through Supreme Lending and XXXX XXXX because Supreme Lending states they specialize in helping XXXX XXXXXXXX  secure mortgage loans. I was pre-approved, and received a letter from XXXX on the Supreme Lending letterhead. After receiving that, I began looking at houses with my realtor and also scheduled open houses and online tours. I toured 44 homes in person and made 4 offers before I found the one and made an offer and it was accepted on XX/XX/XXXX. As I mentioned, my Nana passed away in XXXX and she helped raise me with my mom, and when I walked in the house and saw the crushed red velvet wallpaper with gold accents, I knew it was her speaking to me. I proceeded with the inspection on XX/XX/XXXX and it went great. Then, Supreme Lending said the appraisal was scheduled for early the next week, either XX/XX/XXXX and XXXX and everything was on track for me to close on XX/XX/XXXX. XX/XX/XXXX passes, no word from XXXX and she's not responding to my realtor. XX/XX/XXXX she contacted me saying she needs more documentation and to send it to her, which I had already done. Then she was unresponsive again for a few days, then requested the documentation be sent to her personal email and for me to apply for a mortgage loan at a different company because she was leaving. I contacted my realtor, then called Supreme Lending at a different office to speak to someone. I spoke with XXXX XXXX, who is the branch manager and oversees their territory. He was unaware XXXX was leaving and asked to call me back, which he did a few hours later. He apologized and said Supreme Lending would make it right because it was her fault. I told him I was under contract on a house and was expected to close on XX/XX/XXXX, which he was surprised by because XXXX did not upload any documentation with my contract or inspection to my file. He asked me to send it over, and my realtor did so. XXXX sent over an extension of the closing date document to be signed stating my closing had been pushed to XX/XX/XXXX and again they were sorry. I signed the document and thought everything was okay, only delayed. A few hours later XXXX had someone else call me to tell me since I have not been a 1099 XXXX XXXXXXXX for two years, I was not pre-approved and should have never received the letter and they can not help me buy my dream home. I asked about them making it right and what XXXX did and there were no more apologies. XXXX was terminated for leaving and trying to take clients with her, she also took my confidential information and who knows how many other people 's so she could try and get credit at her new employer, XXXX XXXX. Now, I am without a home on XX/XX/XXXX and am missing out on buying my first home because these two people strung me along and made promises and assurances they had no intention of keeping. I am considered self-employed, even though I work at a non-profit serving those impacted by COVID-19 and helping keep people housed in 75 of Oklahoma 's 77 counties. I want to be able to buy my first home and make a home for myself like I help other people do every day. Instead of telling me about the federal requirements of 1099 employees, XXXX chose to pre-approve me and offer me a letter. Her dishonesty, stringing me along, and taking my personal information with her has had substantial negative impacts on my life, as well as my XXXX  health.

Company response to consumer: Closed with explanation