Consumer complaint received 2021-09-08
Company: OVM FINANCIAL, INC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around the XXXX of XXXX, I talked to a guy on the phone about applying for a home loan. XXXX XXXX, He seemed really nice and eager to help at first. once I started filling out my online loan application and he ran our credit it seemed as if he lost interest. I reached out to him on the XXXX of XXXX via email and text and didnt get a response so i decided to call. 

His conversation was a little different did'nt seem as enthusiastic as he did just a day or so before. He said that our credit needed some work. Mine was at a XXXX and my husbands was at a XXXX, he said my husbands needed to be a XXXX as well if we wanted to be elidgiable for the first time homeowner assistant grant. 

I explained to him that I had been told that most company 's want you to be at a XXXXXXXX XXXX XXXXXXXX Told me for his particular complany we would both have to be at a XXXX. I told him that we had already taken the first time home buyers class and that our certificate would soon expire. He said we could just take it again and it's not that hard. 

A few days later I spoke with a realtor one that was not associated with XXXX XXXXXXXX I explained to him my issue and he said he could help me. The realtor told me that he also uses that particular company and that he could see if the lender he uses could pull my application. The lender was able to pull my application and He also told the realtor all we would need was a XXXX. He also said that since XXXX  XXXX was the lead lender on my application he coud'nt switch me. 

I started to feel like maybe we were being discriminated against. I also felt like XXXX  XXXX, was raising the bar for people of XXXX  and trying to hender us from getting a loan with his financial institution, Espically after being told from someone else with the same company that we only needed a XXXX. 

On XX/XX/XXXX I was on XXXX and a few names and faces appeared as " people you may know '' I saw XXXX XXXX XXXXs name and I clicked on the picture. I soon realized it was the lender that I had talked to back in XXXX. He had a lot of information on his page about his financial instituation. 
Upon scrolling down the page I soon came to a picture that XXXX  XXXX had posted about his grand college years. The first picture that stood out was a picture with a group of people and one had on XXXX face! I immediately felt sick to my stomache. That picture seemed to confirm my suspicions about us being discriminated against. XXXX XXXX, did'nt mind posting a XXXX picture on the same patform that he uses to promote the business that he works for. It would seem to me that someone that has been employed with a company for over 30 years would have work assosiates that were aware of this XXXX content, and would inform him that that kind of thing is hurtful and unacceptable not only to people of XXXX but to their company. 

That same day on XX/XX/21, I reached out to another lender from the company XXXX XXXX XXXX XXXX I asked him about what XXXX score I would need to be approved for the first time homebuyers down payment assistance program, after doing a little research he told me possibly a XXXX but it could fluxuate depending on a few things. I then replied to him " so a person would not have to have a XXXX to qualify for your company overall and he said not necessarly. 

I then told XXXX XXXX, about my dealings with XXXX XXXX I told him that I felt as if I was being discriminated against and I also told him who I was talking about and I told him it would better for the company if Mr. XXXX, took down his post. 
Even athough the post has since been removed I have a screen shot of it. I knew I needed to reach out to someone concerning this matter outside of the company so this would'nt be swept under the rug. I have looked at other complaints from this company and it seems the main ones are from people of XXXX.

Company response to consumer: Closed with explanation